The Hidden-Transfer Sheet: 12 patterns to spot on a statement page.
What hidden money looks like on a bank statement, the check that finds it, the innocent readings, and the document to ask for next. Every rule and case is cited.
Twelve patterns hide in bank statements. Each one has a check you can run in a sorted list, a set of fair readings, and one thing to ask for next. The sheet puts all twelve on one page.
The patterns: the same amount days apart, small fees that point to an asset, the account nobody listed, cash just under $10,000, activity after the date that should have stopped it, personal bills on the business account, the off-ramp to a payment app, the gaps, a new name close to a key date, the drain before the date, payments to insiders, and what the tax return knows.
Each check starts the same way: every transaction from every account in one list, sorted. On a small production that takes an afternoon. On a big one, that list is the work. The sheet is free. We ask for an email so we can send the next check when it is ready. No sequence, no calls.
Built for a New York litigation practice.
The account nobody listed
- On the page
- "ONLINE TRANSFER TO CHK ...9021" or "TRANSFER TO SAV XXXXX7730." Banks often print the last four digits of the other account on the transfer line.
- The check
- Write down every account ending that appears in a transfer description. Compare each to the accounts on the sworn statement of net worth, the fiduciary's account or the debtor's disclosure.
- Fair readings
- An account closed before the statement date; an account disclosed elsewhere under a business or a child's name.
- Ask for
- Statements for each unlisted ending, from the first month it appears to the present, and the account-opening documents.
- Why it matters
- Matrimonial disclosure is compulsory: "there shall be compulsory disclosure by both parties of their respective financial states" (DRL 236(B)(4)(a)), made on a sworn statement of net worth (22 NYCRR 202.16(b)). An account that receives money but isn't listed is the first thing to ask about.
Fixed-fee offline analysis of financial productions for New York litigators and forensic accountants. Every figure cited to its page and line in 72 hours.