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Show BANK INVESTIGATOR E. P. MOXCY NEMESIS OF DlSHON-EST DlSHON-EST FINANCIERS, Finds Study of Loans and Ditcounts Infallible Means of Detecting Crookedneta Examined Books of Walsh and Morse. Philadelphia. Tho name of tho man who makes tho torpedo that sinks a battleship seldom goes down In history his-tory with that of tho man In command of tho Bhlp that fired It. Yot the trade of the maker may bo no less Interesting Interest-ing than that of tho man lu gold brnld and brass buttons. Charles J. llonaparte, nttorney gen-ernl gen-ernl of the United States, and William II. Hldgely, comptroller of tho currency, cur-rency, Jointly gavo tho orders for the construction of tho evidential torpedoes torpe-does that wrecked tho first-class cruiser, tho Charles W. Morso or Now York, and Its slBtor ship, tho John 11. Walsh of Chicago. Kdward P. Moxey mndo tho tdr-pedoos. tdr-pedoos. Ho Is precisely tho Bort of man ono' would expect to find In other business. Ono associates tho occupation oc-cupation of clinching great criminals with a certain stermtcsj, a certain gruffncHs, and, perhaps, a certain rug-gcdness rug-gcdness of physique. Mr. Moxoy possesses pos-sesses nono of these attributes. At tho ngo of 60 It seems to havo become be-come plain to him that ono might as well laugh In tho midst of tho hardest day's work. So ho laughs with his wholo faco and eyes. And tho smallest small-est man ho ever sent to tho pcnlten- tlnry would not bo afraid to moot him nloao In a dark alley. .For while ho Is moderately tall, ho Is Immodorately thin; and his iron-gray whiskers and hair show that his muscular powers long since passed their zenith of development devel-opment Hy nppolntment Mr. Moxoy Is a national na-tional bank examiner, but ho docs nothing noth-ing except Investigate banks that havo failed under suspicious circumstances. And catching a hanker who has robbed his own bank Is ln somo rosDccts llko cntchlng a burglar who has robbed It each has only a limited number of ways of committing tho crime. In tho-caso tho-caso of tho burglar the policeman on tho beat looks first at tho doors and wlrldows as being tho most prob-ablo prob-ablo means of gaining access to tho vault. And for n llko reason, Mr. Moxey Idoks first at tho loans and discounts. dis-counts. "If tho books and papers of a crooked crook-ed banker have not been destroyed," says Mr, Moxey, "they oro bound to show him up. They may bo falsified, and they may bo cunningly comply cated and mixed up, but they can bo' unrnvcled, It is all a mattor of tlmo. The record of crime Is there no man can keep tho affairs of a bank ln his hoad. All that Is necessary 1b to find the knots and untlo them. Why, 1 Investigated In-vestigated a bank a little while ago In which three little pencil dots almost al-most Imperceptible placed before certain cer-tain items, both ln tho debit and credit accounts, gavo mo tho key to the wholo affair, I discovered that Items tnus marked wero to be disregarded, not added to tho totals." nut tho Investigation of a crooked bank seldom .ends with tho scrutinizing scrutiniz-ing of tho concern's records. The crooked banker, so Mr, Moxoy has observed, ob-served, has a way of becoming dom- Inantly Identified with many other interests, in-terests, This Is why ho acquires a string of banks to briny ln tho money that he wants to uso Tor something some-thing cIbo. In working up tho case agalnBt John It. Walsh of Chicago, Mr. Moxoy examined the books of 18 corporations. cor-porations. ....... Strangely enough, this ma"whoe wnrk has brought him so closely Into relationship with dishonest bankers, seldom speaks to one of them, "Sometimes," said he, "a banker (hat ( have caught will como to mo and confess everything; sometlmos ho will declare only that ho .meant no wrong, But more frequently they do not seek 3ic, and, of caurso, I do not seek them. ( never spoke to John It. Walsh. I never spoko to Morse.' Hut I don't aeed to speak with them to know what kind of men they aro. Their books tell." Mr. Moxey docs not regard Morse as i great criminal, except In tho senso that he committed his crimes on n big icale. Ho says ho showed no unusual cleverness In what he did, and his devices de-vices tor covering up his crookedness voro tho same old tricks that aro usually usu-ally employed. |