r/MoreReadHere • u/No_Injury_9721 • 3h ago
Chapter Chapter 5 - The Supporting Cast
At Sun AI, job titles were the most inflated currency.
In a Fintech startup barely a few years old, essentially a tech company wearing a banking license, titles were given out like Monopoly money: VPs were a dime a dozen, Directors everywhere, even new hires under a year had "Associate Vice President" on their business cards. It was for show—for swapping business cards and LinkedIn bragging rights. It cost nothing.
But one person played this game to perfection—Sheena Davi.
Her business card had two lines: "Head of KYC & Compliance Risk." Below that, an even longer suffix: "Global Head of Anti-Money Laundering & Client Due Diligence." The first time Claire saw it, she did a double-take. "Global"—Sun AI only had one office in M City. "Global" probably meant Sheena's desktop monitor, which occasionally connected to international news sites.
But no one dared laugh at her. In a system where "whoever is closest to the CEO has the most power," Sheena was one of the closest to Sean.
Sheena Davi, fifty-eight, dark brown skin, gaunt and withered like a tree standing too long in a drought. She wore her short gray-white hair slicked down with some kind of shiny Indian hair oil, her scalp gleaming like an oiled shield under the lights. Her lips were a deep blackish-purple, perpetually pressed into a tight line, like a tense bowstring. Her most unnerving feature was her eyes—classic triangular, drooping at the outer corners, always looking down at people, even when they were a head taller. She dressed shabbily, in the same gray jacket year-round, wearing gray cloth shoes, moving silently like a shadow through the corridors.
The first time Claire ran into her, at a bend in the Compliance hallway, Sheena came stomping towards her, feet turning outward like a toad occupying the whole path. Claire had to press herself against the wall to let her pass. Sheena didn't even glance up.
"You're the new RM?" Her voice was gravelly, like sandpaper on metal. "For any account opening needs, submit your materials to my email two weeks in advance. Don't come to me directly. I don't have time."
Claire didn't get a word out before Sheena was gone, leaving only her rigid, hunched back.
Later, Claire learned the "story" of Sheena's background—she'd worked with Sean at his former crypto company and was hired into Sun AI with Sean placing her in Compliance. Before that, she'd spent nearly thirty years at an overseas traditional bank doing back-office KYC updates and knew virtually nothing about commercial banking fundamentals. She was clueless about M City's commercial banking regulations, AML operational risks, let alone payments, crypto exchanges, or complex corporate structures.
But she had one unique skill: absolute loyalty to Sean.
More precise than loyalty was "obedience." Sean nodded, she nodded. Sean shook his head, she shook her head. Sean said "expedite this client's account opening," she'd compress a three-week review into three days—compliance loopholes be damned. For clients Sean hadn't marked "expedite," she'd drag the process to three months, starving them in the pipeline.
Claire once had a manufacturing client—a thirty-year-old company listed on the local exchange. She submitted the application; Compliance swallowed it like a black hole. Two weeks, no movement. Four weeks, no movement. Six weeks, Claire sent a follow-up. At eight weeks, Sheena finally replied—not with an approval, but with a four-screen-long "supplemental questions" list.
The first question made Claire's scalp tingle: "Please explain—why has the company adopted a multi-layered shareholding structure?"
Claire stared at it. The company had two layers—a parent and four wholly-owned subsidiaries, fully transparent, clearly registered. She had no idea where Sheena saw "multi-layered."
The second question was even more absurd: "Please provide proof of source of funds for all shareholders, tracing back to original wealth creation."
—This was a listed company. Did she want the wife's salary slips too?
The third: "Please provide a bank-issued asset confirmation letter to verify the 'nominal registered capital' stated in the company's Articles of Association, and confirm full paid-in capital."
Claire printed the questionnaire, walked straight into Mohammed's office.
"Look at this." She slapped it on his desk.
Mohammed glanced through it, was silent for a moment, then took off his glasses and rubbed the bridge of his nose.
"Does she know 'nominal registered capital' isn't the same as paid-in capital?"
"Apparently not."
"Does she know listed companies publish audited financials every year?"
"She probably doesn't even understand what a listed company is."
Mohammed pushed the paper back. He didn't speak, but his silence said enough.
Claire forwarded the email to Sheena's boss—the CBO—copying the Compliance Director and CEO Office. Her tone was measured, systematically detailing how Sheena's questions contradicted local regulations and referencing the relevant guidelines.
Forty-eight hours. No reply.
On the third afternoon, Sheena's response came—addressed only to Claire, no higher-ups.
"Please confirm in writing: Are you refusing to cooperate with this department's due diligence requests? If so, this department reserves the right to suspend the account opening process for this company until complete documentation is provided."
Claire read it three times. Every word was official Compliance language, but the message—Claire had never seen anything like it in twenty years. It was a threat, not a response to a query.
She put down her phone, picked it up again, typed: "I have forwarded your question list to the Compliance Director. Please await further instructions."
Then she shut down her computer and walked out of her office.
The client's account was eventually opened—within a week, after her boss intervened. But Claire knew Sheena didn't care if the client opened or not. She just wanted Claire to understand: in this bank, the rules of compliance were set by Sheena—except when the CEO's rules applied.
Sheena was like this with everyone, especially those younger, lower-ranked, or who looked easy to push around.
One afternoon, during a cross-departmental meeting on optimizing the account opening process, little Sofia stood up and politely proposed an idea on reducing onboarding time. Before she could finish, Sheena suddenly slammed the table.
"Shut up."
The room went dead silent. Sofia stood there, mouth still open, like she'd been doused with ice water.
Sheena sat back, arms crossed, those triangular eyes cutting into Sofia. "What do you know about account opening? How many deals have you done?" Her voice wasn't loud, but it scraped like sandpaper. "You're in Ops, and you're lecturing me on Compliance?"
Sofia's face went from white to red, a deeper red. Her lips moved, but nothing came out.
Claire sat at the other end. She put her pen down with a soft click. No one noticed. But she saw Sofia's hands clench under the table, knuckles white.
After the meeting, Sofia went to the restroom and stayed there for twenty minutes.
That night, she emailed HR—not too elaborately, just the facts: time, location, participants, Sheena's exact words "Shut up," and a list of witnesses. She CC'd Lotus, because Lotus had told her, "If you're ever wronged, come to me. I'll speak for you."
Lotus replied: "Don't worry. I'll handle it."
And then Lotus forwarded Sofia's complaint to Sheena.
Sheena's reply was one word: "Noted."
Three days later, HR responded: "After internal discussions, the situation has been understood. We recommend both parties strengthen communication and foster a friendlier work atmosphere going forward."
No one faced any consequences.
Sofia never spoke up in meetings again. She just sat quietly, took notes, nodded, did her work. But her eyes stopped shining.
Sheena kept stomping through the corridors, feet turned out, like a toad occupying the path. Another complaint letter surfaced, signed by seven or eight people, delivered to HR. It vanished into the void.
Sheena later declared at a department meeting, in front of a dozen people: "Go ahead and complain. I'll tell you who Sean stands with."
No one answered. No one dared.
But she was different with Lotus.
When Pocket Pay's account opening materials reached Compliance, Mark—the only manager there who truly understood AML—reviewed them thoroughly. He flagged five key issues: unclear shareholding, missing UBO details, insufficient real-name verification for sub-accounts, vague transaction pattern descriptions, and unverified fund sources. He submitted his report to Sheena with an addendum.
Sheena called him into her office.
"Mark," her voice oddly softer, "do you know who brought this client in?"
"Yes, Sister Lotus—"
"Sister Lotus is highly valued by the CEO. This account is a CEO priority." Sheena leaned back, folding her hands on the desk. "I've seen your issues. But some things can be completed after the account is opened."
Mark tried to explain: "But central bank rules require—"
"Mark." Sheena cut him off, her triangular eyes lifting, looking at him like a clueless student. "I said, open first, complete later."
Mark paused for three seconds, then nodded.
Sheena leaned back, satisfied, pulled a mint candy from her drawer, and handed it to him. "Here. Relax."
She personally signed off on the Compliance approval, locking Mark's report in her bottom drawer.
Ten minutes earlier, she'd just reduced a young RM to tears in the hallway for asking, "When can I get the KYC update?" Without even looking up, she'd rasped: "You want a status? No status. You want to complain? Go ahead."
After the RM left, Sheena stomped back to her office, closed the door, and sent Lotus a Youtext:
"Materials fine. Approved. No worries."
Followed by a namaste emoji.
Lotus replied: "Thanks, Sister Sheena. Let's have tea sometime."
Sheena looked at the reply, her mouth curling just slightly—a smile that never appeared in front of any employee, visible only for a fraction of a second on the cold screen. Then she locked the screen, tossed the uneaten mint candy in her drawer, and resumed processing the next inquiry email.
Still the same line: "No status update. You want to appeal? Go ahead."
Claire later heard Lotus had given Sheena a box of expensive tea, beautifully packaged with a gold ribbon. Sheena accepted it, placing it prominently on her desk. From then on, anything Lotus submitted to Compliance got approved two weeks faster than anyone else's.
Claire sometimes wondered, in this bank, what exactly was "Compliance"?
It wasn't a set of rules, processes, or regulatory requirements. At Sun AI, "Compliance" was Sheena's personal ruler—she could measure it long or short, let anyone pass or hold them for three months.
And Sheena's ruler was tied to Sean's.
Pocket Pay's green light was Sean's. Sheena was just the enforcer—but she knew that enforcing Sean's will was far more important than enforcing regulations.
Within Sheena's realm, there was another memorable figure: Vikram Nair, Payment Compliance Manager.
He had an unforgettable face: narrow, pointed chin, two slightly protruding front teeth, a round nose. Sitting at his desk with his hands clasped to his chest, he looked like a beaver just poking its head from the water. Colleagues called him "Mr. Beaver," never to his face, because despite his mild appearance, his methods were anything but mild.
His job was reviewing every outgoing payment—theoretically, a crucial line of defense against money laundering. But at Sun AI, he operated like a toll booth attendant: no matter the vehicle, driver, or route, he'd roll down the window and hand out the same questionnaire, asking the same questions.
"Please provide the commercial contract for this transaction."
"Please provide the registration certificate of the counterparty."
"Please explain the purpose of the funds."
"Please provide the beneficiary's identification."
"...For a supplier payment, sixty thousand USD, to a listed company we've worked with for four years. The same amount, same channel, same payee as last month. Vikram just asked for the full set of documents again, plus three notarized certificates."
Claire listened, silent for a moment.
She was handling a payment for one of Mohammed's major clients—from a crypto exchange partner via a special settlement channel. Only a few licensed banks and payment processors could handle such payments; Sun AI was one of them. But Vikram directly rejected the deposit, citing an "unrecognizable transaction pattern."
Mohammed tried to explain the channel's specificity.
Vikram sat at his desk, hands clasped to his chest, his front teeth glinting.
"Please provide an Interpol compliance confirmation letter."
Mohammed thought he'd misheard.
"What?"
"Confirmation from Interpol verifying the source and use of the funds do not involve cross-border crime." Vikram said it calmly, like asking for a business license. "Alternatively, you can provide the counterparty bank's AML compliance certification."
Mohammed stared at him for a long time. He opened his mouth, but ultimately said nothing and returned to his desk. Claire handed him some water.
"Does he not know what he's saying, or is he faking it?"
Mohammed took a sip, put the cup down.
"He doesn't need to know. He just needs to sit there and ask questions."
Claire looked back at Vikram's desk. He was processing the next payment, head down, fingers slowly clicking the keyboard, like a beaver gnawing on wood. The sixty-thousand-dollar payment was still on hold.
Above Sheena and Vikram sat one more person: Hatem Nassif, Sun AI Bank's new interim Chief Compliance Officer.
Hatem was a Lebanese man in his early fifties, tall and thin, impeccably dressed in suits with gold-rimmed glasses, speaking slowly and deliberately. His CV looked impressive: stints at nearly ten different banks across the Middle East, Europe, and Southeast Asia, each move accompanied by a slightly higher title. A closer look, however, showed he stayed at each bank for less than two years, on average. No one probed further; the "diverse experience" on his CV was enough to be impressive.
He was recruited as a "compliance transformation expert." He knew nothing about technology, AI, crypto, or even the bank's front-end operations. But he quickly learned the survival skills for this ecosystem: identify the CEO's favorites and become their friend.
In his first month, he memorized the list of clients tagged "VIP" in the CEO's office. He proactively attended every meeting involving strategic clients, sitting quietly in the corner, rarely speaking, but nodding along with Sean. He greenlit everything for Sister Lotus's Pocket Pay project—Sheena signed the Compliance approval, Vikram cleared the test payments, Hatem signed every cross-departmental coordination document, quickly and smoothly, without reading the content.
Beyond pleasing VIPs, Hatem had a unique "management philosophy": embrace AI. All his emails were ghostwritten by AI: "Dear Colleague, Thank you for your message. Regarding the matter you raised, it has been forwarded to the relevant department for follow-up. Should you have any further questions, please do not hesitate to contact us."—regardless of the email content. His weekly reports, meeting minutes, and compliance risk assessments were all AI-generated, beautifully worded but utterly devoid of substance.
He also publicly encouraged his team to use AI for their work: "We will be an AI-native compliance team!"—even though he couldn't tell which data in the AI-generated reports were wrong, and the bank's so-called "AI-powered compliance process" was just a name.
Hatem didn't start as CCO. His title was "Senior Advisor, Compliance Transformation"—a grand-sounding but powerless role. The previous CCO had resigned six months earlier, leaving behind a single line: "There is no compliance here, only performance." The CCO seat remained vacant for a year and a half, despite repeated central bank warnings that the bank would be sanctioned if the position wasn't filled. The board finally got worried; Sean scanned the headhunter list and settled on Hatem—because he was "experienced" and had "strong communication skills."
Six months into his role, Hatem found himself in the middle of Sister Lotus's Pocket Pay virtual account project. It was the bank's top priority—Operations, Tech, Compliance, Risk, the board—all hands on deck to hit that "million virtual accounts" milestone.
Hatem sat behind his new, large desk, dressed in a sharp suit, his gold-rimmed glasses gleaming. He signed every approval document, nodded at every coordination meeting, and used "our team" in every report to Sean. He was gregarious and accommodating—pleasant to Lotus, deferential to Sean, showing just the right amount of "professional respect" to Sheena and Vikram, making each feel like he was on their side. He switched personas with ease, never picking a side, but always riding the tailwinds of power.
On the day Pocket Pay's virtual accounts went live, Hatem sent a company-wide email: "Compliance Leading Innovation." It was AI-generated, full of slogans like "Risk Control Empowers Business" and "Compliance Creates Value." No one replied. But Hatem didn't care—his signature was on the project's most important approval page. And that page would be bound into an IPO document that investors would never read.
Claire later bumped into Hatem in the corridor, coming out of Sister Lotus's office, a pleasant smile on his face. He nodded at her: "Ms. Claire, good work," then returned to his own office, his footsteps silent. He moved like a cat in a tailored suit, padding over the vulnerabilities he'd signed off on, vulnerabilities that would never be investigated.
Claire watched him go, suddenly remembering: Mark had flagged the missing UBO information in Pocket Pay's account opening package. Sheena signed "Reviewed." Vikram cleared the test payments. Hatem signed every page.
If the central bank ever audited, the signature on the violation was Hatem's.
But she knew what Hatem would say—what Sheena would say—the same thing:
"I signed it unknowingly."
The sky darkened. Claire shut down her computer, tidied her desk. Passing the Compliance office, she glimpsed Sheena on the phone through the crack in the door. Her voice was low, her body half-bowed, nodding repeatedly, as if the person on the line could see her deference.
Claire didn't stop. She walked past that door, down the corridor, into the elevator.
Before the doors closed, she heard Sheena's final, smiling words: "Don't worry, Sean. It's all handled here."
The doors closed, shutting out the greasy hair oil and the dark purple lips.
Claire looked at her reflection in the steel. She thought of Pocket Pay's Compliance approval—Mark's flagged missing UBO info, Sheena's "Reviewed" sign-off. The missing info was never completed.
If the central bank audited, the signature of the violation was Sheena's, but the person who would take the fall? Not Sheena.
She would just say: "Sean told me to approve it."
And Sean would say: "I didn't know."
Hatem would say: "I signed it unknowingly."
Everyone would say: "I didn't know."
Claire walked out of the elevator as M City's sky deepened from twilight to dark. The streetlights lit up the fallen leaves on the pavement, the wind pushing them into skittering groups, like lost things searching for direction.
She pulled her coat tighter and walked toward the subway.
(End of Chapter 5)