She started toward him, her heels clicking on the tile floor. “I’m Emma Toussaint,” she said, holding out her hand as she got closer. “How may I help you, Mr. Santos?”

Up close, his magnetism was even stronger. She found herself holding her breath as his dark eyes passed over her in a practiced way. She’d become accustomed to the evaluations of South American males, but the way this man’s gaze scanned her body was different. It left her feeling strangely vulnerable. His touch added to the sensation. As they shook hands, it enveloped her with a sizzling heat.

“I’m here to open an account.” His voice was low and melodious with a hint of something she couldn’t place. “I understand you handle the customers with…special needs.”

“I’m in charge of the currency department, and I’m also the vice president of the expatriate accounts.” She answered carefully. “On occasion I do help with other areas.”

He glanced toward Felicity. The young woman was facing her computer screen with a look of such studied involvement, it was obvious she wasn’t missing a word. He turned back to Emma with an amused expression. “Perhaps we could go into your office and I could explain further?”

It wouldn’t be the first time a good client had walked in off the street. Never one to turn down an opportunity, Emma nodded, then led the stranger into her office, stopping beside Felicity to order coffee for them both. A moment later Emma was sitting behind her desk and Raul Santos was seated in front of her.

He wasn’t really her type, but he was an attractive man. Bronzed skin, dark eyes, black hair that gleamed. He was over six feet and clearly not a local. Emma found herself intrigued. Other available men had been in her office since her divorce, but something about this one was different. Maybe it was his intensity. Maybe it was the way he was looking at her with his dark gaze. One way or the other, despite her attraction to him, or maybe because of it, he made her uneasy. She shivered once before she could stop herself and spoke quickly to cover her interest.

“What brings you to Banco Nacional, Mr. Santos?”

He rested his hands on the arms of the chair and looked at her. “Everyone knows about El Banco,” he said with a shrug. “It’s the only game in town, isn’t it?”

“Well, there’s a Lloyd’s down the street and El Centro, too, but we’re the best.”

“In your opinion.”

She smiled. “In the opinion of all our customers, I’m sure. We are the most successful.”

“Doesn’t that depend on how you define success?”

“I define it as do most of our clients-by a large return on their investments.”

“That’s what I’ve heard,” he conceded. “And what I’d like, as well.”

“So we were recommended, then?”

He nodded. “Yes.”

She waited for more-a name, a hint of some sort-but he wasn’t going to give it to her. Felicity brought in the coffee, and when she left, he spoke again.

“It doesn’t really matter why I chose your bank. What’s important is the account I’d like to open.” Ignoring the coffee, he pulled a long black wallet from the inside pocket of his suit. The leather looked smooth and expensive; it matched the rest of him. He withdrew what appeared to be a printed check and pushed it across Emma’s desk, along with a business card showing his addresses and phone numbers. “I’ll be doing some trading. I think that should cover it.”

Emma made no move to pick up the check, but she looked down at it. Drawn from a bank in El Paso, Texas, it gave an amount of seven figures. Before the decimal point. She reached for her phone and hit one button. The door to the office opened immediately, Felicity on the threshold.

Emma motioned her inside, then handed the secretary the check and the card. “Please take care of the paperwork for this.” She glanced at the man across the desk. “Will you wait or shall I messenger the documents to you later?”

“How long will it take?”

The bigger the check, the shorter the time. “Ten minutes, maybe fifteen,” she said.

“I’ll wait.”

Felicity nodded and hurried away, a tight grasp on the check as she disappeared out the door. Emma turned back to the man in front of her. Usually she had no trouble visiting with her clients, but for some reason, Raul Santos left her not quite knowing what to say. It felt strange. She hadn’t been tongue-tied in years, especially without knowing why.

“What brings you to the area, Mr. Santos? Are you from Bolivia?” Lame, Emma, really lame.

“I grew up in Texas, but I’ve been living in Washington until recently. I moved here to do business. I’m an importer.”

Shocked into silence, Emma kept a mask of polite interest on her face. Importer? The answer was a standard reply in some circles, but the last one she’d expected from this man. He’d definitely not struck her as being involved in the drug trade, but that was the euphemism everyone in Santa Cruz used for the narcotraficantes. “I see,” she finally said. “An importer…”

“That’s right. I import money.” He paused.

“And export goods.”

“You must be good at it.”

He smiled for the first time and something-a quick unexpected reaction-tumbled around inside her chest. “I’m good at what I do, Ms. Toussaint. Very good.”

She nodded, uncertain what to say next. Surprisingly he kept the moment from being awkward by turning the conversation to her. “What about you? What brought you to Santa Cruz?”

She hadn’t expected the question from him, but Emma had dodged it so many times she had a pat answer ready. “International banking is my specialty. I wanted an opportunity to see the system work.”

“Why here? Couldn’t you have done that in the States?”

“I would have spent too many years back home working my way up. I came into Nacional and was quickly promoted to the vice presidency of expatriate accounts. That wouldn’t have happened in the States.”

“So you’re good at what you do, as well.”

His gaze was dark and unrevealing, but had a pull she couldn’t deny. “Yes, I’m good at it,” she replied, mimicking what he’d said about himself.

“Very good.”

“Then we’ll be a great team.”

His words held an undercurrent of something that only increased her uneasiness, but she smiled. “Undoubtedly.”

A few minutes later, Felicity returned with the papers. He scanned them quickly, then signed them without questions, obviously familiar with the legal terms. When he finished and rose, Emma escorted him to the door of her office. He stood closer to her than she would have liked, but people did that in South America. She’d learned to live with it. However, being this near to Raul Santos made her all too aware of the custom.

“I’ll be traveling a lot, but my base will be here, in Santa Cruz.” He smoothed a hand down his tie, his fingers strong-looking. No ring. “I’d like to get to know the city. I know it’s not part of your job, but could I entice you to dinner this evening to learn more about it?”

He’d managed to surprise her again. “I-I have an engagement already,” she said.

“That’s too bad,” he said. “Perhaps another time?”

Her pulse quickened even though she instinctively knew she should stay away from this man. Something told her he was dangerous. She couldn’t afford to upset him, though. She inclined her head and repeated his words. “Another time…”

He acknowledged her answer with a smile, but she wondered if the expression conveyed his true feelings. “I’ll be in touch.”

She watched him leave, then went back into her office. A second later, a movement outside her window caught her eye, and she walked over to the tinted glass. Raul Santos stood on the corner beside the Quechua woman. He was smiling at her and her child, holding out his hand. The Indian woman snatched at what he offered and ducked her head. A moment after that, he headed down the sidewalk.

Fascinated, Emma looked on as the beggar opened her palm and counted the bills the man had given her. It took her quite a while.


THE ENTRANCE to the restaurant was hidden behind a brick wall and iron gate. When Emma climbed from the car William Kelman had sent her, a valet ran out to the street, unlocked the gate and escorted her into the inner garden. By necessity, Bolivians had tight security, especially in the wealthier neighborhoods such as this one. In fact, Candelabra didn’t even look like a dining establishment, so perfectly did it blend in with the surrounding homes. The first time Emma visited, she’d thought the cabdriver had made a mistake and dropped her off at someone’s house.

She followed the valet over a small rock-lined walkway bordered by tropical plants. The largest, a beautiful bird-of-paradise, trembled in the night breeze, its red and yellow blooms striking even in the dim lamps near the door. When she stepped into the entrance to the restaurant, she could hear the muted sound of diners.

The maître d’ greeted her by name.

“Señorita Toussaint, how beautiful you look tonight!”

Emma smiled at the dark-haired man and replied in Spanish, “Estefan, you flatter me, as always. How are the grandchildren?”

He beamed. “Very well, as always, señorita. Thank you for asking.”

Leading her to the table, he continued his chatter until she was seated. “Señor Kelman called and said he would be a few minutes late. He begs your pardon and has ordered champagne for the table.”

Emma seriously doubted that William Kelman had ever begged for anything. Her attention focused, however, on the waiter who had appeared at the maître d’s side and was already opening a bottle of champagne. “None for me,” she said, putting her hand over her glass.

She hadn’t noticed until now, but Estefan already had a flute in his hand. He brought it around and placed it in front of her. It was full of a shimmering gold liquid. Bending closer to her, he rotated the glass to line it up with her plate. “Ginger ale,” he pronounced. “¿Está bien?”