By JAMES VERINI
Published: November 10, 2010
One night in July 2003, a little before midnight, a plainclothesN.Y.P.D. detective, investigating a series of car thefts in upper Manhattan, followed a suspicious-looking young man with long, stringy hair and a nose ring into the A.T.M. lobby of a bank. Pretending to use one of the machines, the detective watched as the man pulled a debit card from his pocket and withdrew hundreds of dollars in cash. Then he pulled out another card and did the same thing. Then another, and another. The guy wasn’t stealing cars, but the detective figured he was stealing something.
Indeed, the young man was in the act of “cashing out,” as he would later admit. He had programmed a stack of blank debit cards with stolen card numbers and was withdrawing as much cash as he could from each account. He was doing this just before 12 a.m., because that’s when daily withdrawal limits end, and a “casher” can double his take with another withdrawal a few minutes later. To throw off anyone who might later look at surveillance footage, the young man was wearing a woman’s wig and a costume-jewelry nose ring. The detective asked his name, and though the man went by many aliases on the Internet — sometimes he was cumbajohny, sometimes segvec, but his favorite was soupnazi — he politely told the truth. “Albert Gonzalez,” he said.