“Mrs. Lenzi, please calm down. I don’t mean any harm to you or your husband. I just want to talk to you . . .”
“Talk? I talked to you for a minute on the phone, and now look. You fucking break in here . . . you have no idea . . .” She was crying now. The sound of her ragged breath got closer, as if she’d pressed her face against the door. She was pounding on it now. “Please, please, just go away. Please, you have no idea how he gets . . . how angry he is, just because I gave you his number. He’s crazy. Please.”
This was not going well, either. I didn’t know what demons my questions had unleashed in the Lenzi household, but I thought of what Alan Burrows had said to me, about making people relive nightmares. And I thought, bitterly, of my reply. I’ll be discreet, I’ll be quick, and I won’t be heavy-handed. Shit.
“Maybe I can help him, Mrs. Lenzi. I’ll put my card under the door. Call me. Please.”
“Help him? Help him?” She was hysterical, almost shrieking. Her voice was coming from lower down now, like she had sunk to the floor. “What the hell are you going to do? Get the bank to take him back? Make the fucking mortgage payment for him? Make him stop drinking?” Her words dissolved into sobbing and I thought I’d lost her, but she gulped some air and came back. “Please, just go away, please . . . we were hanging on, we were making it, and now . . . please, just leave him alone. If you want to help—let him be.” And then her sobbing found a second wind, and I lost her completely.
I had a long wait for the subway at Clark Street, plenty of time to feel lousy about what I’d done to Lenzi and his wife, and to think about where to go from here. Something had happened to Lenzi, something bad enough that the mention of Nassouli’s name made him crazy. Mrs. Lenzi might know what that something was, but if she did, she wasn’t going to tell me. She was terrified of Lenzi’s rage, and that their life was coming apart. Nothing good would come of pressing them any more.
I could make some guesses based on what little they had said. Lenzi had worked at a bank. And two years ago, maybe earlier, the bank had fired him. But which bank, and why was he fired? I thought about Arroyo Systems, and the kind of software they developed. Trading systems. For FX, money markets, and derivatives. Lenzi had come to Arroyo less than two years ago, having previously worked in banking. Maybe what qualified him to sell Arroyo’s software was prior experience in those markets. It wasn’t much of a theory, but it was one I could test.
Trading in over-the-counter instruments, like the ones Arroyo’s system was meant to handle, is a person-to-person business. And working on a desk that trades in those markets is a little like living in a small town. Everyone knows everyone else, and, while they’ll pretend otherwise, everyone gossips. If Lenzi worked in that world, as a trader or a salesman or a broker or in some other capacity, other players might know him. I had a player in mind.
It was just past four, things should be wrapping up. I got off the subway at the Wall Street stop and walked a couple of blocks east and a couple of blocks south. I called from outside the building.
“Klein. Liz March,” she said brusquely.
“It’s your brother.”
“The embarrassing one?” she asked, laughing.
“That’s me. Got a couple of minutes? I’m downstairs and I need a favor and I’ll pay for it in coffee,” I said.
“Hang on,” she said, and put her hand over the phone and yelled something at someone. “I’ll meet you at that place on William Street. Give me ten minutes.”
I went around the corner and took a table and ordered a coffee and waited. Half an hour later she strode in. She was wearing a black pants suit, with a neon orange blouse underneath. Her hair was tied back with a band the same orange color.
“Wow,” Liz said. “Twice in less than a week. This must signal something. Maybe the coming apocalypse. After Ned’s go at career counseling, and David’s kind words, I figured we wouldn’t see you for another year or so.” She ordered some complicated latte thing.
“You wouldn’t have, except I need something from you,” I said. She smiled. “You ever hear of a guy named Mike Lenzi?” Liz thought about it.
“Skinny, dark-haired guy? Thinks he’s Joe Pesci in Goodfellas ?” she asked after a while.
“That’s him,” I said. “Where do you know him from?”
“I don’t, really. Just know of him. He ran the short-term interest rate desk at Plessey Guaranty for a bunch of years. Used to see him at the Robin Hood dinners. He’d always drink too much and chase anything in a skirt. Kind of an asshole.”
“Know what happened to him?”
“I know he left Plessey a while back—couple of years ago. I don’t know where he went.”
“Know why he left?” Liz shook her head.
“I can probably find out. Want me to make a call?” I nodded. Liz took out her phone.
“This guy works for me,” she said as she punched the number. “He’s been around forever, and he knows everybody.” She waited for the call to go through. “Bobby, it’s me.” She listened for a moment. “Yeah, yeah, that’s right. No more than five hundred basis points.” She listened some more. “That’s bullshit. He’s full of shit, and he’s ripping us off, and you tell him I said so. And tell him he better think hard about this if he ever wants to deal with us again.” She paused. “Fine, fine. Different topic. Remember Mike Lenzi, used to be over at Plessey? He left there, what, two years ago?” She looked at me and nodded her head as she listened. “Yeah, an asshole. You know what happened to him?” Bobby spoke for a while and Liz listened, nodding. “You’re the best, Bobby. I’ll be up in a couple. You want anything?” She hung up.
“Says Lenzi left there about two years ago, under a cloud. Some sort of malfeasance, but Plessey was very hush-hush about it. Of course, there were rumors. Bobby heard something to the effect that Lenzi had been giving away the store—disclosing position information— supposedly for years. Apparently Lenzi cut himself a deal so that he left all his stock and options on the table, and in return no charges were pressed. And neither side talks to anybody about anything ’cause it’s too embarrassing all the way around. Bobby says Lenzi’s not in the markets anymore. Thinks he’s hawking some second-rate trading software. You owe Bobby a decaf skim latte, by the way.” I paid up.
It was nearly six when I got off the subway at Fourteenth Street. The rain and wind had spent themselves, and in their wake the night was cold and clear. I was weary and stiff and wired from too much coffee, and, as I walked up Seventh Avenue, I couldn’t shake the image of Lenzi’s wife, a woman I’d never seen, crumpled by her front door, crying. I didn’t tell myself that I’d had to do it, that trading her pain for information was part of the job, that I was acting in my client’s best interest. Why bother, when it would lack all conviction? Shit.
But what I’d learned from her and her husband, and from Liz and Bobby, was enough to paint a picture. Michael Lenzi had been one of Nassouli’s pet traders. He was in Nassouli’s pocket fifteen or so years ago—that’s how Burrows had known him—and he may have been doing favors for Nassouli right up until MWB closed. Around two years ago, somebody had tried to squeeze him. They’d had proof of his dealings with Nassouli, the sort of proof Nassouli kept in his personal files, and they’d threatened Lenzi with disclosure. Lenzi had said shove it, or something to that effect, after which a package had been delivered to his management at Plessey. Then it was good-bye, Mike, don’t forget to leave your money at the door, and you’ll never work in this business again.
My picture had lots of white space in it, though, and Lenzi was the only guy I knew who could fill in the gaps. Only he could tell me what they had on him, how they’d contacted him, and what they’d wanted. Only he could confirm that someone had, in fact, tried to squeeze him. Or, he could tell me that my picture was bullshit—that, after who knew how many years of favors for Nassouli, Lenzi’s management had finally caught on and canned his ass.
I stripped off my clothes, changed into running stuff, and ra
n five miles in thirty-eight and a quarter minutes. After that, I went to the gym and pushed some steel around until my arms were quivering and I felt vaguely nauseated. Then I went home, showered, ate two cartons of yogurt, and fell into an empty sleep.
Chapter Fifteen
“Let me fill that,” Lisa Welch said. She took my glass and moved serenely across the slate floor of her sunroom, into the adjoining kitchen.
She was a calm, almost ethereal woman with straight, straw-colored hair that fell halfway down her back. She had an open, fine-featured face and, though December was closing in, her prominent cheeks and broad forehead were tanned an attractive golden color. Her large eyes were an odd shade of blue that changed with the changing light—from gray to nearly violet. Her mouth was broad, and in repose fell into a faint, sad smile. She was five foot seven and maybe a hundred and twenty pounds, including the change in her pockets. She wore jeans and a sleeveless blue T-shirt that said “Sanibel Dive Shop” on the front. Her arms were firm and lightly tanned. She was about my age.
I heard her bare feet pad across the wide plank floors of her kitchen. I heard her open the fridge and pour water from a pitcher. I heard her open the oven to check the bread baking inside. The phone rang, and I heard her soft, even voice speaking, though I couldn’t make out the words. An indolent chocolate Lab named Jesse slept near the wrought iron and glass table where I sat, and I heard him sigh heavily.
While I waited for Lisa, I watched her children play on the big back lawn, just beyond the stone patio that lay outside the sunroom. There were two of them—a boy and a girl, ages five and three, blond-haired, blue-eyed, broad-faced, long-limbed, like their mother. The girl seemed to have something of her mother’s serenity. She was feeding two baby dolls in a toy stroller, and occasionally wheeling them around the patio. The little boy was more frenzied. He was climbing and jumping all over a backyard playground, doing imaginary battle with pirates, or robots, or robot pirates . . . it was hard to tell.
It was Thursday afternoon, and a warm day for late fall, in the low sixties. Birds twittered softly, and between their singing and the warmth of the sunroom, and the mild breeze through the open windows, and the muted sounds of the children’s play, and Jesse’s slow, heavy breathing, and the aroma of baking bread, and the gentle murmur of Lisa’s voice, the whole place exerted a powerful soporific effect. Some cookies and milk, and I’d be ready for nap time. But that’s not what I’d come for.
I’d spent yesterday morning winnowing down my list of names. Of the two Steven Bregmans left on my list, only the one in Pound Ridge was in finance. And of the three Nick Welches, only the departed Mr. Welch, late of New Canaan, fit the bill. I’d spent yesterday afternoon making contact with Steven Bregman and the widow Welch, and convincing them to see me.
My story to Bregman was the same as I’d used with Lenzi: his name had come up in connection with a confidential investigation, and I wanted to meet and ask some questions. He’d reacted predictably: wary silence, wary curiosity, a wary, grudging acquiescence. I’d told the same story to Lisa Welch, except with her husband’s as the name that had come up. Her response surprised me.
“I thought this was over with,” she’d said. “I got the check four months ago, and I thought that was it. My lawyer told me that was it.” She wasn’t nervous or upset, just puzzled. So was I.
“Mrs. Welch, I have no clue what you’re talking about,” I said.
“You’re not from Connecticut Mutual?” she asked after a moment.
“No, ma’am.”
“Oh . . . I apologize,” she said, and agreed to see me.
New Canaan and Pound Ridge are neighboring towns, separated only by the state line, and I’d arranged my meetings for the same afternoon—Lisa at two, Bregman at five. I’d risen late this morning and gone for a run. Then, clean-shaven and breakfasted, and dressed in black pants, a maroon polo shirt, and a gray sweater, I’d picked up my rental car. It was 12:45 when my Taurus and I set off.
Getting out of the city was the usual hell—lunatic traffic, cratered streets, highways that ended without warning, road signs written by liars and idiots. I took 95 North, itself a nightmare of construction and careening trucks, and got off in Darien. Then I took 124 through the pristine, suburban splendor of Darien, and into the pristine, suburban splendor of New Canaan. The terrain grew hillier and the traffic lighter as I drove, and the houses and their properties grew larger.
The trees were bare in New Canaan, just as they were in New York— but they were much neater about it. Behind the artfully tumbled stone walls, the high-priced landscapes were brown and faded and buttoned up for winter. Leaves had been blown, bagged, and hauled away, perennials had been cut back and blanketed in straw, shrubs were swaddled in burlap, and deer fencing was strung. Lisa Welch lived off of 124, on a road that climbed up a ridge and went from hardtop to washboard about a mile before it got to her place.
The house was an old colonial with white clapboards, black shutters, and a shiny red door. It sat close to the road, on several acres of lawn, mature trees, and stone walls. It was not a huge house—four bedrooms, I guessed—but it had been meticulously renovated and updated. The double-hung windows were new and set with insulated glass. The plasterwork and wainscoting were unblemished. The floors were bird’s-eye maple and perfectly laid. Halogen lights were mounted unobtrusively in the ceilings. The kitchen was outfitted with the latest high-end appliances—clad in the same cherry wood as the cabinets. And the security system was state of the art. The decor was simple, comfortable-looking, and expensive.
She’d told me to call her Lisa and ushered me through the kitchen and into the sunroom, where we’d watched her kids play outside and where she’d told me a little about Welch. He’d been fourteen years her senior. They’d met at a wedding—a cousin of hers had married a friend of his. They’d known each other less than a year when they’d gotten engaged. She’d quit her job as a preschool teacher, and they’d moved to Connecticut right after the honeymoon. They’d been married just six years when he died. He was, she said, a devoted father, and active in the church and local charities. It was a second marriage for him. The first had ended a decade before—no kids. Lisa had never met number one and didn’t know where she lived. She glided across the sunroom and set the water glass down in front of me and folded herself back in her chair.
“I don’t know how much I can tell you about Nick’s business, John. He didn’t bring it home with him. We didn’t talk about it much, and I didn’t know the people he worked with.”
“No socializing?”
“No. Work just wasn’t an all-consuming thing with him, not while I knew him.”
“It used to be?”
“Oh, yes. When I first met him, it was his life. But his priorities changed.”
“How so?” I asked. She smiled a little.
“He found other things. More important things. Like his family, like being a part of the community.”
“Big change,” I observed. She smiled again, but said nothing. She sat with one leg tucked beneath her, motionless except for her eyes, which followed her children.
“He’d been with his firm a long time?”
“Yes. He’d spent his professional life there. Over twenty years.”
“Ever hear of MWB—Merchant’s Worldwide Bank?” I asked. She shook her head. “How about Gerard Nassouli, or Bernhard Trautmann?” Lisa thought for a moment and shook her head again.
“As I said, I didn’t know a lot about his work.”
I drank some water. Outside, far away, a dog yipped. Jesse sighed, but did not stir. Lisa was perfectly still. The ball of her right foot rested lightly on the stone floor. It was a nice foot, tanned and high-arched, with well-kept toes. Silence settled over us like dust, and it was only with some effort that I spoke again.
“Lisa, forgive me for asking, but from what you said on the phone I wondered if there’d been problems with your husband’s life insurance.” She turned her head to look at me, he
r eyes a slate gray.
“We did have some, yes,” she said.
“They paid off on the policy, what . . . four months ago, you said?” She nodded. “That’s over a year after your husband passed away.” Another nod. “That’s a long time.” She looked down at her longfingered hands, resting lightly on the edge of the table.
“They had questions,” she said, softly. “It took them a while to satisfy themselves.”
“What kind of questions?” She pushed her hair back behind her ears and cleared her throat.
“They didn’t come out and say it, not right away, but they wondered if Nick hadn’t committed suicide,” she said. She let out a deep breath.
“Why did they think that?”
“I really don’t know, John. There was something about an exclusion period, and they said something about statistics, and the boat’s service records . . . I don’t know. Neither the police nor the Coast Guard shared their doubts.” Jesse was dreaming, about chasing something or being chased. He growled and snuffled and whined, then settled back down. A slow, regular pulse beat in Lisa’s long neck. She was otherwise motionless.
“What did you think?” I asked. She looked at me and then turned back to her children.
“I thought the suggestion was offensive and obscene, John,” she said evenly. “My husband would never have taken his own life. Never.” Her little girl pushed her stroller up to the French doors and waved at us. We waved back. “I don’t know much about my husband’s life in the time before we met. I never cared to. We were focused on the here and now, and on the future. I know he wasn’t happy, back then. I know he was a . . . different person. Maybe not always a good person. But Nick changed his life when we met—for the better. He found his center, John, in being a husband and a father, in the church, in the volunteer work he did. He’d worked hard to find that. He would never have thrown it away.”
“There’d been nothing odd in his mood, in how he behaved, in the days and weeks before his death? Nothing that had happened at work?”
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