We all crowded around the monitor.

The destination account was registered to a shell company called Albatross Holdings.

The bank was located in Zurich, Switzerland.

“He had this all set up weeks ago,” Arthur said, his voice laced with disgust. “The accounts, the routing numbers, the shell company.”

“He was waiting for the right moment to empty the joint account,” Reed agreed. “And he thought your signature on the authorization form was the final piece.”

“But the form was a dummy,” I said.

“Exactly,” Reed said. “We routed his login to a mirrored server. He thinks he’s looking at the real banking portal.”

“So where is the money right now?” Chloe asked.

“It’s in a secure holding ledger,” Reed explained. “The real bank never actually released the funds. But on Lucas’s screen, it looks like the transaction is processing normally.”

“How long will he wait before he realizes something is wrong?” I asked.

“Usually, a high-value international wire takes about ten to fifteen minutes to show a preliminary confirmation,” Reed said. “He’s probably staring at his screen right now, waiting for the status to change from pending to approved.”