Dilip Joshi 1 The spreadsheets didn’t scream. They whispered. Subtle inconsistencies in formatting, curious repetition in transaction references, and the strange appearance of a dormant offshore subsidiary—“VKL Capital Holdings (Cayman)”—that had shown no activity for nearly four years suddenly blinking back to life with a $212 million transfer flagged under “legacy adjustments.” To most eyes at Vincent & Klein Bank, it would have passed as routine. But Tarun Vaidya wasn’t most people. A forensic accountant trained to read patterns, Tarun spent his days in the dim, soulless cube on the 17th floor of the Mumbai head office, cross-verifying compliance sheets…