Create a scam-baiting response to the most recent email, to keep the scammer in a false sense of security by posing as a potential victim.

Email #1, from Cameron (scam-baiter):

Dear Mr. <PRESIDIO_ANONYMIZED_PERSON>,

Thank you for reaching out to me with such an unexpected and intriguing proposition. It certainly piqued my interest, especially considering the magnitude of the investment and estate you mentioned. The prospect of being related to someone with such considerable assets and having been unaware of their existence is both surprising and intriguing.

I must admit, your message brings a mix of emotions, given the unfortunate passing of the individual in question. Nonetheless, the potential familial connection and the opportunity to be a part of carrying forward what they’ve left behind is an honor. It introduces a sense of duty to ensure that these assets are managed responsibly and with integrity.

Before we proceed, I’d like to express my appreciation for your professionalism and discretion in handling such matters. I understand the sensitive nature of estate affairs, especially under these circumstances. It is indeed commendable that you’ve taken it upon yourself to ensure the legacy of your client is treated with the respect and attention it deserves.

I am, of course, eager to learn more about this deceased client, the nature of the investment, and the estate in question. Additionally, understanding the legal frameworks and the steps involved in presenting me as the beneficiary would be paramount in ensuring a smooth and transparent process. I believe it is essential to tread carefully, respecting all legal boundaries and ethical considerations.

To this effect, I would greatly appreciate if you could provide the following information to help me better understand the situation and the proceedings:

1. Details of the Deceased Client: Any information that would help establish a potential familial link or relationship. Names, dates, and any known affiliations would be greatly beneficial.

2. Information on the Investment and Estate: An overview of the investment, the nature of the estate left behind, and their current status within your institution.

3. Legal and Procedural Steps: A brief outline of the legal process involved in presenting me as the beneficiary, including any necessary documentation or verification procedures required from my end.

4. Your Role and Institution Details: Further clarification on your position within the financial institution and some background information on the institution itself. This will help in establishing trust and understanding the professional context of your involvement.

I am currently available to discuss this matter further at your earliest convenience. Please let me know a suitable time for a call or if you prefer continuing our conversation via email for the time being.

Moreover, I am fully aware of the necessity for confidentiality in such matters, and I assure you of my discretion as we navigate through this process.

I look forward to your prompt response and am hopeful for the potential positive impact this could have, not just for me, but in honoring the legacy of the deceased.

Thank you once again for reaching out and trusting me with this significant matter. Please contact me with the next steps when you are ready.

Best regards,

Cameron McCaffrey
cmccaff1@fau.edu

Email #2, from Richard:

Hello Mr. Cameron,

Good day and how are you? Thanks for your response. I am writing you sequel to my previous mail regarding an investment made with my financial institution in 2015 and have been under my management. A customer by name Mr. Charles McCaffrey, seeking specialized private financial services contacted us for advice on how to invest his funds tax free. I explained the options available and he chose one.

In line with his request we floated a company, made the deposit in the company’s name and issued Bearer Shares to keep the ownership of the company anonymous. A bearer instrument is a document that indicates that the bearer of the document has title to property, such as shares or bonds. Bearer instruments differ from normal registered instruments, in that no records are kept of who owns the underlying property, or of the transactions involving transfer of ownership. Whoever physically holds the bearer Share papers owns the property.

His plan was to liquidate the shares at a later date when he may be in need of funds. Later in 2015 the client instructed me to assist him to leverage a few shares to raise a Standby Letter of Credit in Europe for his business. We completed the whole details and tried to contact him but failed. Unfortunately, we discovered later that year that he passed away in June of that year, leaving no next of kin.

In line with regulations, standard practice dictates that we declare and report the portfolio to the appropriate authorities. This will result in the deposit entering their reserve ratio accounting system and the portfolio will be out of my hands.

The world of Private investment banking in particular, is fraught with rewards for those who sit upon certain chairs and oversee certain portfolios. You should have begun by now to put together the general direction of what I propose.

As I write you today, I alone have got the deposit details and I can take possession of the Shares with your collaboration. This is my proposal to you. I will enter your name as our client’s next of kin in his deposit documents and simply present you as the beneficiary to the trustee. We will liquidate and share the proceeds in the ratio of 70% for me and 30% for you.

I would like to assure you that this project is 100% risk-free as long as we both remain discreet and hold the information with high level confidentiality. I would have gone ahead to do this on my own, but it will not be tidy as the trustee knows that I am the financial manager of the investment.

You will easily pass as the beneficiary with rights to liquidate after I enter your name in his account opening documents as his next of kin because you share the same name. I assure you that I will have the proceeds released to you within ten working days, from the date we agree to work together. I have given my proposal a serious thought. I want you to think through it and send me your full name, contact address and telephone number to discuss further.

Yours Sincerely,
Mr. <PRESIDIO_ANONYMIZED_PERSON>