CONFESSIONS OF A
MONEY LAUNDERER by Kenneth Rijock
Financial Crime Consultant, for World-Check
Confessions of a Money Launderer - Part 15
15 January 2007

What is a day in the life of a money launderer? I've read plenty of those "day in the life" stories in UK trade magazines when it comes to compliance professionals, but nothing is ever written about how laundrymen spend their typical workday. I am therefore reconstructing a typical day in my life during that period. Whilst there are, of course, operations that contain a high degree of financial or personal risk, money launderers do lead, for the most part, normal (though stressful) professional lives. In fact, they strive to blend in with the mainstream, routine flow of the business world, often performing far more legitimate work than illicit criminal acts. In fact, it is their legitimate persona that allays suspicion, and allows them to successfully manipulate bankers, bureaucrats, public functionaries and naive businessmen.

Sharp money launderers want to appear to be:

  • Inconspicuous.
  • Somewhat boring. 
  • Not overly bright or threatening.
  • Neither excessively ambitious nor controversial. 
  • Just another typical professional.

Perhaps a bit of background is necessary before we walk through the workday. During the years I was involved in laundering activities, I lived first in a 1920s Spanish-style home in historic Coral Gables, an upscale bedroom community of Miami that had the advantage of being adjacent to the international airport. The home had Cuban tile, hardwood floors, a fully functional fireplace (rare for the tropics), and was located on a quiet street near the country club. I decorated it with Jamaican and Colombian Art, and comfortable furniture. An anonymous residence is important when you are engaged in illicit activity, for conspicuous consumption in any form attracts the attention of law enforcement, and the last thing you want is to be noticed. Only a new navy blue BMW out front distinguished it from the other period homes in the neighborhood. 

It was also conveniently close to the residence of a major client with whom I would work for years, and who would later, to my chagrin, whilst facing a life term of imprisonment, give the authorities evidence against me that would result in my indictment and arrest. In that business, I was technically on call for clients, meaning that I might need to run over there without notice, so being four blocks away was a plus. It was also the first place I saw personal computers used in support of criminal operations, in 1980 or 1981. 

Back to the house; there was yours truly, my police detective girlfriend, and her two teen-aged children. I didn't start out with a ready-made family, as the children resided with their father, but, after one summer-long visit, they were here to stay. Typical American family, you say, Lawyer and police officer, we barbecued on weekends, children in religious schools; who would believe that some of the occasional visitors were drug kingpins and that I was involved in major money laundering.  

My next home was a high-rise condominium with a spectacular view of Biscayne Bay, located on the part of the Brickell Avenue Financial District that was residential. Having lived in that building a few years before, whilst leading a legitimate life as a commercial lawyer, I was drawn back there for the amenities, including one of the city's best private clubs on-site. Inasmuch as it was a high-security building, with many professional residents, the chances of standing out were slim, provided you didn't do anything crazy to get yourself noticed. 

My avocation at that time was Miami's signature Art Deco style, meaning period furniture and furnishings, accessories and details that one could only pick up at antique shows, speciality furniture stores, and out-of-the way shops all over the world, some of whom did not even know what it was they were selling. It had become my passion, and I set about decorating the apartment as if it was 1939. Eventually, I was purchasing and restoring original furniture and accessories myself. When one is always worried about meeting an early and untimely end because of one's career choice, having a hobby helps to relieve the day-to-day stress of that life.

Whilst traveling in Europe on money laundering errands, I quickly learned to make detours into the antique quarters, looking for rare prizes. Some of my clients were into art and antiques also, but for a darker reason; to hide their ill-gotten gains in obscure, but extremely valuable, pieces that they could vend anywhere in the world, but which could travel in their baggage or automobile boot without raising any attention.

But I digress; now that you have a picture of my digs, next week we'll go through my workday.

The facts and opinions stated in this article are those of the author and not those of World-Check. World-Check does not warrant the accuracy of any facts and opinions stated in this article, does not endorse them, and accepts no responsibility for them.

Read more in this exciting series

Confessions is on holiday, but read earlier chapters here
Confessions of a Money Launderer - Part 69
Confessions of a Money Launderer - Part 68
Confessions of a Money Launderer - Part 67
Confessions of a Money Launderer - Part 66
Confessions of a Money Launderer - Part 65
Confessions of a Money Launderer - Part 64
Confessions of a Money Launderer - Part 63
Confessions of a Money Launderer - Part 62
Confessions of a Money Launderer - Part 61
Confessions of a Money Launderer - Part 60
Confessions of a Money Launderer - Part 59
Confessions of a Money Launderer - Part 58
Confessions of a Money Launderer - Part 57
Confessions of a Money Launderer - Part 56
Confessions of a Money Launderer - Part 55
Confessions of a Money Launderer - Part 54
Confessions of a Money Launderer - Part 53
Confessions of a Money Launderer - Part 52
Confessions of a Money Launderer - Part 51
Confessions of a Money Launderer - Part 50
Confessions of a Money Launderer - Part 49
Confessions of a Money Launderer - Part 48
Confessions of a Money Launderer - Part 47
Confessions of a Money Launderer - Part 46
Confessions of a Money Launderer - Part 45
Confessions of a Money Launderer - Part 44
Confessions of a Money Launderer - Part 43
Confessions of a Money Launderer - Part 42
Confessions of a Money Launderer - Part 41
Confessions of a Money Launderer - Part 40
Confessions of a Money Launderer - Part 39
Confessions of a Money Launderer - Part 38
Confessions of a Money Launderer - Part 37
Confessions of a Money launderer - Part 36
Confessions of a Money Launderer - Part 35
Confessions of a Money launderer - Part 34
Confessions of a Money Launderer - Part 33
Confessions of a Money launderer - Part 32
Confessions of a Money launderer - Part 31
Confessions of a Money launderer - Part 30
Confessions of a Money Launderer - Part 29
Confessions of a Money Launderer - Part 28
Confessions of a Money Launderer - Part 27
Confessions of a Money Launderer - Part 26
Confessions of a Money Launderer - Part 25
Confessions of a Money Launderer - Part 24
Confessions of a Money Launderer - Part 23
Confessions of a Money Launderer - part 22
Confessions of a Money Launderer - Part 21
Confessions of a Money Launderer - Part 20
Confessions of a Money Launderer - Part 19
Confessions of a Money Launderer - Part 18
Confessions of a Money Launderer - Part 17
Confessions of a Money Launderer - Part 16
Confessions of a Money Launderer - Part 15
Confessions of a Money Launderer - Part 14
Confessions of a Money Launderer - Part 13
Confessions of a Money Launderer - Part 12
Confessions of a Money Launderer - Part 11
Confessions of a Money Launderer - Part 10
Confessions of a Money Launderer - Part 9
Confessions of a Money Launderer - Part 8
Confessions of a Money Launderer - Part 7
Confessions of a Money Launderer - Part 6
Confessions of a Money Launderer - Part 5
Confessions of a Money Launderer - Part 4
Confessions of a Money Launderer - Part 3
Confessions of a Money Launderer - Part 2
Confessions of a Money Launderer - Part 1
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