They told me she was just an unidentified vagrant brought into Bayfront Medical Center at 2:00 AM.
The revelation about Hannah’s family trust being used as Higgins’s collateral added a chilling new dimension to his villainy. But it also pointed a very clear finger at Roger Daugherty. He was the Chief Risk Management Adjuster. He must have known about the fraudulent loan.
Barred from the hospital, I couldn’t access internal records directly. So, I turned to a lifeline: a former colleague in hospital accounting, a quiet, efficient man named Mr. Jenkins, who owed me a favor from a particularly complex tax season. I emailed him, vaguely referencing “discrepancies in legacy asset valuations” and asking for any recent personal audit trails for key “risk management personnel.”
A day later, an encrypted email landed in my inbox. No explanation, just a series of attached files. Mr. Jenkins had delivered.
I opened the documents, my heart thudding. It was Daugherty’s personal financial audit from the last five years. Page after page of legitimate income, standard investments. And then, there it was.
Hidden among dozens of numbered accounts was a recurring deposit, routed through an obscure offshore entity. The source was listed as “B.G.V. Holdings,” short for Bayfront Global Ventures – Higgins’s shell company.
The deposits weren’t salary or bonuses. They were transfers, structured to avoid scrutiny. A detailed breakdown showed Roger Daugherty had received a 15% private equity stake in Higgins’s offshore shell company.
Fifteen percent.
In exchange for this steady stream of illicit income, Daugherty had been signing off on fraudulent risk reports for years. He had effectively shielded Higgins’s criminal enterprise from any internal audit, making Bayfront appear financially sound while its funds were being siphoned away. And, of course, he had been instrumental in concealing Hannah’s medical mistreatment, her “disappearance” five years ago, and her recent “charity intake.”
The paper trail was undeniable. This wasn’t just Daugherty being a coward; he was an active, financially incentivized participant in Higgins’s scheme. His greed had blinded him, making him a willing accomplice to embezzlement, fraud, and attempted murder.
I printed out the relevant pages, the crisp sheets of paper feeling like iron in my hands. The full scope of the extortion ring was now clear, documented, and irrefutable. I had the physical logs from Sister Clara, Beatrice’s corporate ledgers, and now, Daugherty’s personal financial corruption.
It was enough. More than enough. The evidence was overwhelming, a complete picture of betrayal and criminal intent. I just needed to figure out how to deliver it.
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