Transcription of Handwriting in EFTA00128994-EFTA00129012
Posted: Sun Apr 26, 2026 12:22 am
{Page 1 - EFTA00128994}
Tammy Hill-McFadden 7/12/19
attorneys Kristen Doolittle - labor + employment
Brian McCafferty - WB lawyer
over 18yr [illegible] started at BOA
Jack
Georgia
Jack
- 7.5 years
loan officer
asst bm
op manager
KYC compliance officer
tne to Chase, Fidelity - contract positions
2008- PB - sr operations specialist text audit
in loan ops
KYC manager
AML compliance officer
[illegible] representative - mort. loans, investments, then
to op manager, asst BM, temporarily BM
retail...she went in
{Page 2 - EFTA00128995}
2008 - Deutsche Bank - DB Securities
cert AML
cert U of Cambridge
2008
w loan ops - ensure collateral for loans
vault then went to NY to Jacksonville - Sandy
hurricane
2010 - KYC manager position - managed 8-10 people
review KYC docs from client aboarding[?] team
valid docs
FS, AI, etc. submit to retrieval system
trade accts
fixed income
- equities
made decision to proceed, onboarding team would then
be notified
sec 326
patriot act
name, address, SSN, etc.
rejection - failure to provide info in sufficient time
her group was final decision
RM pressure - all the time
brokers say need this done by 2 oclock
she would reply w email
explaining issue + protection
{Page 3 - EFTA00128996}
DBT CA NY brokers -
KYC manager - 3.5 to 4 years - 2 managers in FI + sec
about 50 people total
Jacksonville - KYC, AML legal compliance in her
former bldg.
ultimately her group reported to New York
her group was part of DB securities
S+O FI
equities
Paul Kennaugh - NY
Steve Heffinger - VP
Elenita Escobar - AVP
her - KYC manager
workload - book log
there was pressure to get things through, did they go
around? Sure, they go above her. not sure if
successful
{Page 4 - EFTA00128997}
initial KYC + that was it. Not sure unless there was
new account request
small trust - type of business, in[illegible] docs,
FS do not support wealth app from RM
she did individuals - not companys [sic] usually
[illegible] 2010-2014 - those jobs went to India, she
was di[illegible]
New York would put pressure on you - none she can recall
conduct - Z[illegible] in NY, she was SR Up
in KYC job
can't remember names or regions
2014 - AML rule, compliance officer, interviewed in NY
+ got position
manager to her was Clarrisa Delafuente, UP of
transaction monitoring in NY
reported to NY, she was
not manager
private bank clients, 2 sat in JX +
2 in NY
astronomical volume
{Page 5 - EFTA00128998}
RM's duty was to monitor DD of clients
monitoring process started when they received alerts
suspic acc. system
system - melavante[?] compliance suite, called it prime
actimize - monitored draud activity
norcoms
sr. management set parameters for the system
amount, country, etc.
Sheri Quigley - UP - NY (took over in 15 for Clarrisa)
reported to Wayne Salit - Dr
never really questioned the parameters, could see some
but not all
Sheri disseminated work to the team
RM would be brought in if more info needed
cases - monthly basis
alerts - bi weekly basis - trigger in the system,
review it, case reconciliation or not
Sheri would then approve their reccommendation
all done in the Melavante system
{Page 6 - EFTA00128999}
Sheri makes decision on case or alert, then
(sr. management) goes to her.
alert comes in - should be looked at right away
they were busy
alert did not stop activity
if case recommended
alert - Sheri gets batch - disseminates to
staff based on...she doesn't know how
goes through DD process, look at acct. in system to
make sense, Tammy would then [illegible] search, look into
it using judgement
they had deadlines - 30 days
initial team - Tammy, Almarie worlds - Jx
Ying Wang, Yang Wong - NY
most wish went to JX - not sure why
eventually 2 more
almarie transitions, Michelle gabriel comes in
+ then Kevin Wilson
Dany Friedman
Cripa Apal
all 4 in JX
{Page 7 - EFTA00129000}
6 at one point, not sure how but she of course
told Sheri she needed more help
Sheri - not diligent, not competent
there were times when Sheri would instruct to
do something not part of writen policy
email or phone notified
example, Dec 2015 - 102 pep cases she
discovered - taken back be they were
pending in [illegible] status. "cyber space"
someone needs to change status
from open to [illegible]
status - open, waved [illegible]
typical
if she get a new case she
can see previous decisions
typically nothing is deferred - no real reason but she
had ability to use deferred
if so, only a few days
{Page 8 - EFTA00129001}
how she came across
working a case, see's [sic] previous months in
profile
Clarissa - prior to Sheri, went on ML, she
gave her formula to check case statuses
she saw previous cases in deferred so logged in
+ say 102 individual peps, who knows
how many cases
emails Sheri, asks/tells her about pep cases
Tammy assumed oversight. asked her what she needed
to do
Sheri, 2 hours later, starts rejecting her
other work to make her life difficult, all [illegible]
which was rejected productivity # goes down, bonus
driver, etc.
she thinks its intentional - she emails wayne about 2hr later
+ tells him the situation
she thinks she (Sheri) was extremely upset
Peps are high risk, should be immediate
{Page 9 - EFTA00129002}
No
she thinks she know about pep cases
Ying in NY, sat next Sheri, placed them
into deferred status
didn't talk to him about it.
No
Clarissa - counts them
Sheri - no
peps were 1st + foremost, the day basically busy so
timely
Wayne no response to her - she goes to HR
+ tells them - Francesca Benson
HR opens up investigation, early 2016
Joseph Acedebo Dr of anti financial crime tells him
in person, ill [sic] look into it, You will
support Wayne or Sheri. She told him about bully issue
also
{Page 10 - EFTA00129003}
Sheri - Tammy used email when bc she did things outside of
written police
she would do it
but say, per Sheri...
Joe allowed her to still let Sheri do her
reviews, all downhill
Prior to 16 - great reviews
gen aware
core of excellence
wild spot light
2016 review - end of year
she says don't ever do that again once she saw
the as per...comment - this was in an email
Sheri would make her do a case narrative
private bank - they couldn't file SAR, first a narrative
+ Sheri would decide if a SAR or not, that's
Sheri's process, not in manual
SAR international database
compliance officer should decide, not
her boss
managing director makes decision to [illegible] you, never knew if it went or
not
Doug Sloan/Wayne as well
{Page 11 - EFTA00129004}
in private bank she couldn't see FI[illegible] or not, even
in the past
Peggy McGarvey - sat near Sheri
usually ended up going to RM for more + it's fine
no one ever said no directly, but she could tell
it was sense it wasn't going
anywhere
they sat in room together
she didn't see [illegible] from other institutions
peps had to be reviewed by Wayne for new clients, Sheri
did wristing - 102 were existing
Tammy's team felt the same way she did but
she was vocal, she thinks feared retaliation
{Page 12 - EFTA00129005}
Not sure who HR interviewed
no wrong doing determined - 1 year
closed after 2016 performance review
retaliation continued until 2018 - terminated
review 2016 - very detailed, unusual
alarming key words, never seen, inconsistent
never a review like that
after she went to HR, she asked for a transfer
out b/c she hasn't seen much
FYI: 2015 - sheri to her - great
asks to go to KYC - applies for old position, nothing
her former boss [illegible]...she thinks that was the plan
Drs in London decided not to hire her for jobs
late 2016 - Kushner acct from a
case
his LLC
she sees suspicious activity, she tells
Sheri, she says do a case narrative.
She does, Sheri says unfounded, brushed off
{Page 13 - EFTA00129006}
transactions were majority cryptocurrency - she
couldn't validate origination + recipient
the flow was easy to see there was an issue
Kushner - Real Contrad[?], LLC
she tells Sheri about a Russian individual, etc.
googles him, made up page, person was listed as
[illegible] off real contrad. [illegible] + all
looged bogus. he wasn't on Kushner site
as employee
no pic - just avatar
Somewhere in USA
she presses - Sheri says goes to rm - Rose/Rosa
30 days or so time span
protocal is for RM to use info and decide...NOT
to client
RM goes to client, Kushner + co they said
things about your son etc
all documented
Tammy - she still recommended acct gets closed
{Page 14 - EFTA00129007}
case was closed
in AMC world she was
able to file initial SAR
paying employees in cryptocurrency, never a
flow like that - mindboggling
July/August 2016 flow
not sure if Kushner or Trump were in 102
Wayne + Sheri were involved in Real Canter talks in
all emails
timeline - kushner 11/2016-Dec 2016 [illegible]
within a few days later, Francesca says Sheri wants a
meeting w/ her
meeting - productivity low, are you happy
Sheri - phone
Erica prada - he w/ her
never b4 as a blan
during this meeting, Tammy realized Sheri
knew about her HR complaint.
{Page 15 - EFTA00129008}
4/2017 she transitions out to AFC compliance officer
requested KYC at first but Joe said no, this
is your opportunity
she thinks no KYC b/c it was part of plan...
culture...issues + concerns get discarded +
brushing things under the rug
example?
during, Wayne no more manager or Sheri
Marla L head or internal SAR, Sheri reports
to her now
Marla Liconta AFC + Sar
head
basically she is still in the mix of
the same people
applied for previous 12 or 16 jobs...
former boss - her manager said he never
saw her resumes
{Page 16 - EFTA00129009}
Joe hires Josh Blazer[?] as director, gives him
responsibility
she told him numerous times its bad for her,
she wants out, what about other jobs. instant
unsuccessful from HR
Josh - 1 on 1 - she tells him she isn't happy, some
things, numerous applications
she was there 8 months, 5 managers within 3 mo's
team of 10 or so
she would still be there if she shut up
deutsche corresponding [illegible] nothing
she gets a message to come down stairs, went to
car, put purse,
low performance, productivity
erin + Josh = they were reading from something
she pressed and asked for a copy gave her
bottom part about benefits, top part said [illegible]
{Page 17 - EFTA00129010}
Hotton Hillan [?] - 17 review, says inconsistent
they also sent a her alerts for 49 days which
impacts her productivity
consensus was basically don't submit SAR,
there would be pushback + they all get
together + would talk about what you
submitted
not sure what happened to the 102
no DB/ousnit[?] from her
filed with osche, WB w/ Rivera + Sec
other clients
Jeffrey Epstein - continue Jax team wanted to terminate
his accounts b/c of representational
2015 - brought up concerns
emailed Sheri - she said she no longer wanted
his accounts, asked to have the redistribute
{Page 18 - EFTA00129011}
he would send wires to a person in France,
google says owned a art gallery
xfers to young ladies based on google search
maybe 20s
Sheri's reply was he served his time, PB
wouldn't close his accounts
rm was rose.
her team
yes Rosemary U?
Darin Mcinke [sic] - Epstein's lawyer, internal SAR was
filed by a colleague
Aug/Dec - late 2016
Federal Reserve was in the bank at the time w/
Sheri
"as per" - statement ...that was her confirmation
{Page 19 - EFTA00129012}
She did review Trump cases
old post office portfolio she would review
she didn't get a sound origin of the funds
systems didn't touch
1 entity to pay for a loan
pull her pay that, pull here pay that
Sheri's narrative was always emailed to
Sheri...revised version if necessary goes into system
https://www.justice.gov/epstein/files/D ... 128994.pdf
Tammy Hill-McFadden 7/12/19
attorneys Kristen Doolittle - labor + employment
Brian McCafferty - WB lawyer
over 18yr [illegible] started at BOA
Jack
Georgia
Jack
- 7.5 years
loan officer
asst bm
op manager
KYC compliance officer
tne to Chase, Fidelity - contract positions
2008- PB - sr operations specialist text audit
in loan ops
KYC manager
AML compliance officer
[illegible] representative - mort. loans, investments, then
to op manager, asst BM, temporarily BM
retail...she went in
{Page 2 - EFTA00128995}
2008 - Deutsche Bank - DB Securities
cert AML
cert U of Cambridge
2008
w loan ops - ensure collateral for loans
vault then went to NY to Jacksonville - Sandy
hurricane
2010 - KYC manager position - managed 8-10 people
review KYC docs from client aboarding[?] team
valid docs
FS, AI, etc. submit to retrieval system
trade accts
fixed income
- equities
made decision to proceed, onboarding team would then
be notified
sec 326
patriot act
name, address, SSN, etc.
rejection - failure to provide info in sufficient time
her group was final decision
RM pressure - all the time
brokers say need this done by 2 oclock
she would reply w email
explaining issue + protection
{Page 3 - EFTA00128996}
DBT CA NY brokers -
KYC manager - 3.5 to 4 years - 2 managers in FI + sec
about 50 people total
Jacksonville - KYC, AML legal compliance in her
former bldg.
ultimately her group reported to New York
her group was part of DB securities
S+O FI
equities
Paul Kennaugh - NY
Steve Heffinger - VP
Elenita Escobar - AVP
her - KYC manager
workload - book log
there was pressure to get things through, did they go
around? Sure, they go above her. not sure if
successful
{Page 4 - EFTA00128997}
initial KYC + that was it. Not sure unless there was
new account request
small trust - type of business, in[illegible] docs,
FS do not support wealth app from RM
she did individuals - not companys [sic] usually
[illegible] 2010-2014 - those jobs went to India, she
was di[illegible]
New York would put pressure on you - none she can recall
conduct - Z[illegible] in NY, she was SR Up
in KYC job
can't remember names or regions
2014 - AML rule, compliance officer, interviewed in NY
+ got position
manager to her was Clarrisa Delafuente, UP of
transaction monitoring in NY
reported to NY, she was
not manager
private bank clients, 2 sat in JX +
2 in NY
astronomical volume
{Page 5 - EFTA00128998}
RM's duty was to monitor DD of clients
monitoring process started when they received alerts
suspic acc. system
system - melavante[?] compliance suite, called it prime
actimize - monitored draud activity
norcoms
sr. management set parameters for the system
amount, country, etc.
Sheri Quigley - UP - NY (took over in 15 for Clarrisa)
reported to Wayne Salit - Dr
never really questioned the parameters, could see some
but not all
Sheri disseminated work to the team
RM would be brought in if more info needed
cases - monthly basis
alerts - bi weekly basis - trigger in the system,
review it, case reconciliation or not
Sheri would then approve their reccommendation
all done in the Melavante system
{Page 6 - EFTA00128999}
Sheri makes decision on case or alert, then
(sr. management) goes to her.
alert comes in - should be looked at right away
they were busy
alert did not stop activity
if case recommended
alert - Sheri gets batch - disseminates to
staff based on...she doesn't know how
goes through DD process, look at acct. in system to
make sense, Tammy would then [illegible] search, look into
it using judgement
they had deadlines - 30 days
initial team - Tammy, Almarie worlds - Jx
Ying Wang, Yang Wong - NY
most wish went to JX - not sure why
eventually 2 more
almarie transitions, Michelle gabriel comes in
+ then Kevin Wilson
Dany Friedman
Cripa Apal
all 4 in JX
{Page 7 - EFTA00129000}
6 at one point, not sure how but she of course
told Sheri she needed more help
Sheri - not diligent, not competent
there were times when Sheri would instruct to
do something not part of writen policy
email or phone notified
example, Dec 2015 - 102 pep cases she
discovered - taken back be they were
pending in [illegible] status. "cyber space"
someone needs to change status
from open to [illegible]
status - open, waved [illegible]
typical
if she get a new case she
can see previous decisions
typically nothing is deferred - no real reason but she
had ability to use deferred
if so, only a few days
{Page 8 - EFTA00129001}
how she came across
working a case, see's [sic] previous months in
profile
Clarissa - prior to Sheri, went on ML, she
gave her formula to check case statuses
she saw previous cases in deferred so logged in
+ say 102 individual peps, who knows
how many cases
emails Sheri, asks/tells her about pep cases
Tammy assumed oversight. asked her what she needed
to do
Sheri, 2 hours later, starts rejecting her
other work to make her life difficult, all [illegible]
which was rejected productivity # goes down, bonus
driver, etc.
she thinks its intentional - she emails wayne about 2hr later
+ tells him the situation
she thinks she (Sheri) was extremely upset
Peps are high risk, should be immediate
{Page 9 - EFTA00129002}
No
she thinks she know about pep cases
Ying in NY, sat next Sheri, placed them
into deferred status
didn't talk to him about it.
No
Clarissa - counts them
Sheri - no
peps were 1st + foremost, the day basically busy so
timely
Wayne no response to her - she goes to HR
+ tells them - Francesca Benson
HR opens up investigation, early 2016
Joseph Acedebo Dr of anti financial crime tells him
in person, ill [sic] look into it, You will
support Wayne or Sheri. She told him about bully issue
also
{Page 10 - EFTA00129003}
Sheri - Tammy used email when bc she did things outside of
written police
she would do it
but say, per Sheri...
Joe allowed her to still let Sheri do her
reviews, all downhill
Prior to 16 - great reviews
gen aware
core of excellence
wild spot light
2016 review - end of year
she says don't ever do that again once she saw
the as per...comment - this was in an email
Sheri would make her do a case narrative
private bank - they couldn't file SAR, first a narrative
+ Sheri would decide if a SAR or not, that's
Sheri's process, not in manual
SAR international database
compliance officer should decide, not
her boss
managing director makes decision to [illegible] you, never knew if it went or
not
Doug Sloan/Wayne as well
{Page 11 - EFTA00129004}
in private bank she couldn't see FI[illegible] or not, even
in the past
Peggy McGarvey - sat near Sheri
usually ended up going to RM for more + it's fine
no one ever said no directly, but she could tell
it was sense it wasn't going
anywhere
they sat in room together
she didn't see [illegible] from other institutions
peps had to be reviewed by Wayne for new clients, Sheri
did wristing - 102 were existing
Tammy's team felt the same way she did but
she was vocal, she thinks feared retaliation
{Page 12 - EFTA00129005}
Not sure who HR interviewed
no wrong doing determined - 1 year
closed after 2016 performance review
retaliation continued until 2018 - terminated
review 2016 - very detailed, unusual
alarming key words, never seen, inconsistent
never a review like that
after she went to HR, she asked for a transfer
out b/c she hasn't seen much
FYI: 2015 - sheri to her - great
asks to go to KYC - applies for old position, nothing
her former boss [illegible]...she thinks that was the plan
Drs in London decided not to hire her for jobs
late 2016 - Kushner acct from a
case
his LLC
she sees suspicious activity, she tells
Sheri, she says do a case narrative.
She does, Sheri says unfounded, brushed off
{Page 13 - EFTA00129006}
transactions were majority cryptocurrency - she
couldn't validate origination + recipient
the flow was easy to see there was an issue
Kushner - Real Contrad[?], LLC
she tells Sheri about a Russian individual, etc.
googles him, made up page, person was listed as
[illegible] off real contrad. [illegible] + all
looged bogus. he wasn't on Kushner site
as employee
no pic - just avatar
Somewhere in USA
she presses - Sheri says goes to rm - Rose/Rosa
30 days or so time span
protocal is for RM to use info and decide...NOT
to client
RM goes to client, Kushner + co they said
things about your son etc
all documented
Tammy - she still recommended acct gets closed
{Page 14 - EFTA00129007}
case was closed
in AMC world she was
able to file initial SAR
paying employees in cryptocurrency, never a
flow like that - mindboggling
July/August 2016 flow
not sure if Kushner or Trump were in 102
Wayne + Sheri were involved in Real Canter talks in
all emails
timeline - kushner 11/2016-Dec 2016 [illegible]
within a few days later, Francesca says Sheri wants a
meeting w/ her
meeting - productivity low, are you happy
Sheri - phone
Erica prada - he w/ her
never b4 as a blan
during this meeting, Tammy realized Sheri
knew about her HR complaint.
{Page 15 - EFTA00129008}
4/2017 she transitions out to AFC compliance officer
requested KYC at first but Joe said no, this
is your opportunity
she thinks no KYC b/c it was part of plan...
culture...issues + concerns get discarded +
brushing things under the rug
example?
during, Wayne no more manager or Sheri
Marla L head or internal SAR, Sheri reports
to her now
Marla Liconta AFC + Sar
head
basically she is still in the mix of
the same people
applied for previous 12 or 16 jobs...
former boss - her manager said he never
saw her resumes
{Page 16 - EFTA00129009}
Joe hires Josh Blazer[?] as director, gives him
responsibility
she told him numerous times its bad for her,
she wants out, what about other jobs. instant
unsuccessful from HR
Josh - 1 on 1 - she tells him she isn't happy, some
things, numerous applications
she was there 8 months, 5 managers within 3 mo's
team of 10 or so
she would still be there if she shut up
deutsche corresponding [illegible] nothing
she gets a message to come down stairs, went to
car, put purse,
low performance, productivity
erin + Josh = they were reading from something
she pressed and asked for a copy gave her
bottom part about benefits, top part said [illegible]
{Page 17 - EFTA00129010}
Hotton Hillan [?] - 17 review, says inconsistent
they also sent a her alerts for 49 days which
impacts her productivity
consensus was basically don't submit SAR,
there would be pushback + they all get
together + would talk about what you
submitted
not sure what happened to the 102
no DB/ousnit[?] from her
filed with osche, WB w/ Rivera + Sec
other clients
Jeffrey Epstein - continue Jax team wanted to terminate
his accounts b/c of representational
2015 - brought up concerns
emailed Sheri - she said she no longer wanted
his accounts, asked to have the redistribute
{Page 18 - EFTA00129011}
he would send wires to a person in France,
google says owned a art gallery
xfers to young ladies based on google search
maybe 20s
Sheri's reply was he served his time, PB
wouldn't close his accounts
rm was rose.
her team
yes Rosemary U?
Darin Mcinke [sic] - Epstein's lawyer, internal SAR was
filed by a colleague
Aug/Dec - late 2016
Federal Reserve was in the bank at the time w/
Sheri
"as per" - statement ...that was her confirmation
{Page 19 - EFTA00129012}
She did review Trump cases
old post office portfolio she would review
she didn't get a sound origin of the funds
systems didn't touch
1 entity to pay for a loan
pull her pay that, pull here pay that
Sheri's narrative was always emailed to
Sheri...revised version if necessary goes into system
https://www.justice.gov/epstein/files/D ... 128994.pdf