Lillian Chebet Siefken🇰🇪❤️🇺🇸

Born Kenyan.A diplomat living in America.Old pic of late President Arap Moi and My Dad late Arap KOSKEY in the African shirt ! Rugby,cooking and tech!

[Unicus @UnicusResearch]

🚨PSA: We are building a map of direct lending PC funds, line by line, down to each borrower, then tracing each exposure back to the company's fundamentals for our deep dive research.

We are looking into the loan books, not the headline news. If it is useful to you, access below.

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

This one took me to endowment! 5mil$ then Zimbabwe to Nigeria! Then name wrapped fraud ! On eth collateral damage user! 🤷🏾‍♀️👀 then tied to recently android removed 2024! Then !👇🏾👇🏾 ohhhhh… custodial abuse Kenya !
Offers similar swap cellular services .. smells like the bots infested case am dealing with ! 🤦🏾‍♀️

Bank insider fraud ! Cross border!

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

@kshaughnessy2 Let me search this fucket! Smells like custodial abuse ! Account take over!

[kristen shaughnessy @kshaughnessy2]

$2.7 Billion in Suspicious Cash Flowed Through Tiny UK Fintech Before Regulators Shut It Down

Bloomberg reports a UK payments company funneled more than $2.7 billion, mostly for just 14 high-risk clients, before regulators seized it over money laundering red flags.

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

Ujingaville 🇺🇸 edition! 🤦🏾‍♀️🤣

Feels like Kenya just changed ZIP codes. 👀

Today’s episode: “Wait… what?!” 🍿
@KoskeyGladys

[Comet @cometwtf]

A 28 year old paid $18,000 to invent 4 MILLION fake customers. JPMorgan paid her $175 MILLION without checking a single name. Then paid another $100 MILLION for the lawyers who put her in prison.

> Charlie Javice founded Frank in 2017 at 24 years old.

> A platform that helped college students apply for financial aid. It worked. Just not at the scale she was about to claim.

> By 2019 she was on Forbes 30 Under 30 and by 2021 JPMorgan wanted to acquire her.

> The bank offered $175 MILLION but on one condition: prove you have the customers you say you have.

> Frank had fewer than 300,000 real users.

> Javice paid a data science professor $18,000 to generate a list of 4.25 MILLION fake students. Fake names, fake emails, fake birthdates and even fake income levels.

> JPMorgan signed the check without verifying a single one.

> She personally walked away with $29 MILLION and a managing director title at the largest bank in America.

> Then JPMorgan tried to send marketing emails to Frank's supposed 4 MILLION customers.

> 70% bounced.

> An engineering director testified that the week before the deal closed, Javice asked him to help fabricate the numbers.

> He refused and she told him: "We don't want to end up in orange jumpsuits."

> She was arrested in 2023. While out on $2 MILLION bail awaiting trial, she became a Pilates instructor in South Florida.

> In March 2025 a jury convicted her on all four counts bank fraud, securities fraud, wire fraud, and conspiracy.

> Sentenced to 85 months in federal prison and was ordered to pay $287.5 MILLION in restitution.

> Then the final twist. Because the acquisition contract had made her a JPMorgan employee, the bank was legally required to cover her entire legal bill. It exceeded $100 MILLION.

> The judge told JPMorgan they had "a lot to blame themselves" for not checking before signing. Then sentenced her anyway.

She paid $18,000 to fake 4 MILLION customers and sold the lie to the largest bank in America. JPMorgan paid $175 MILLION for the company. Then $100 MILLION for the lawyers who sent her to prison.

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

1993- Jan 2022. 🤬🤦🏾‍♀️ Every road seems to loop back to the same place. Y’all have been busy. 👀🍿

At this point, I’m starting to wonder whether some of these high-profile crackdowns are more about the headlines than the follow-through. 🤷🏾‍♀️

@SECGov @DOJCrimDiv @TheJusticeDept @FBI @EACCKenya @KCBGroup @KeEquityBank @Absa @AbsaKenya @WilliamsRuto @realDonaldTrump @FINRA

“Thanks @ChrisMurphyCT for laying out your perspective. It made me revisit my own records and ask more questions.”

🎭 SATIRE 🎭

“Need a license to steal? ☎️ Dial 1-800-WHITE-HOUSE… ballroom entrance.” 🤦🏾‍♀️🤣

2025 Starter Pack
📞 1-800-WHITE-HOUSE
🚪 Ballroom entrance
🎩 Dress code: Black tie
💼 Accountability: Not included.

“Apparently the VIP entrance is by the ballroom…” 🍿

#crossboarderfraud
#propertyrightslaw
#accountability
#transperacy
#nasdaq
#NSE

@KoskeyGladys things I have found 👀🤦🏾‍♀️

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

Roll call! 📢🤣

If blockchain receipts could talk… 🎤

“We didn’t create the coins—we just kept the receipts!” 😎📜

Transparency over drama. The chain remembers. ⛓️😂

#Blockchain #Crypto #ReceiptsDontLie

Or, if you’re replying to Kristen:

@kshaughnessy2 🤣 After learning about stress tests, I think we need a “Reality Stress Test” too.

“You’re stress-testing a spreadsheet instead of the bank.” 🤦🏾‍♀️📊

(Satire, of course. 😅)

#ReceiptsDontLie
@CoinbaseMarkets @coinbase @krakenpro @krakenfx @KrakenDesktop @cbventures @CoinbaseSupport @CoinbaseInsto @BinanceUShelp @BinanceUS @BNBCHAIN @cz_binance @BittrexExchange @bitget @Bybit_Official @BybitAfrica @BitPay @PayPal @cryptocom @Gemini @okx @ku_koin @enjin @EbakusNetwork @THORChain @poapxyz @KCBInKenya @KeEquityBank @trondao @Grayscale @GrayscaleETC @GoldmanSachs @CBKKenya @JPMorganAM @WellsFargo @Barclays @Absa @AbsaKenya

Mom @KoskeyGladys

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

@kshaughnessy2 You mean to say they’re actually given a test? 🤣 All this time I thought it was audit day—deep analysis of what actually happened! 🤣🤷🏾‍♀️

Me: 👇🏾

“You’re stress-testing a spreadsheet instead of the bank.” 🤦🏾‍♀️📊

Fed: “According to our model, you’ll lose $87 billion.”

🏦 Bank: “Our spreadsheet says we’ll be just fine.”

🙋🏾‍♀️ Me: “Cool. Now let’s see what happened when depositors actually started pulling billions out in real life.” 🤣💥

#LipaDeni

Sometimes I wonder if this is how the finance world works. 🤣 Based on what I’ve experienced in my own case, it can feel like the real problems only show up after the fact. 👀 These days I don’t put blind trust in every report or credit bureau entry—I always want to verify the underlying records. Seen enough to know it’s worth checking.

🏦 Bank: “We passed the stress test!” 🎉

📉 Economy: “Here’s some real stress.”

🏦 Bank: “…”

📞 Bank: “Get collections on the phone.” 🤣🤣🤣

Finance! Wah! 🤣 Never a dull moment.

Thanks for your posts—they really make me think! 😍

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

@kshaughnessy2 🎤🎤🎤🎤

[kristen shaughnessy @kshaughnessy2]

“Morgan Stanley caps withdrawals at private credit fund after rising pullout requests”

Reuters reports Morgan Stanley’s $7B private credit fund is getting slammed with withdrawal requests again

Reuters says 11.6% of investors want out of the North Haven ‌Private Income Fund this quarter, which is slightly higher than Q1 requests.

But the bank is capping exits again and only honoring 43% of those asks.

About half of the latest requests reportedly came from investors who had been unable to fully cash out earlier.

[FBI Director Kash Patel @FBIDirectorKash]

“Ibrahim Khaldoon Hilmi is charged with one of the biggest Medicare scams in history - allegedly orchestrating a massive $3.7 BILLION scheme to defraud Medicare. He’s been on the run since May of 2025 - but we got him.

Thanks to outstanding work from FBI Miami, the Justice Department, and our partners in Turkey, Hilmi was apprehended overseas and after a Foreign Transfer of Custody, he is back in the U.S. to face justice.

This is yet another massive win for this FBI’s war on fraudsters with the White House Task Force led by VP Vance - and a monumental victory for the Trump administration showing that any criminal actor who steals from the American taxpayer will be caught, no matter where they try to hide.

Special thanks to Ambassador Tom
Barrack who continues to be an invaluable partner to us - this case could not have been accomplished without his tireless work.

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

@FBIDirectorKash Word🎤🎤🎤🇺🇸🧐😆

[kristen shaughnessy @kshaughnessy2]

@DarioCpx Trade settlement is not enforced anywhere.
Our markets are flooded with counterfeit shares.
Regulators need to follow the money/sell tickets.
Happens in commodities and equities

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

@KCBInKenya @KeEquityBank @JPMorganAM @jpmorgan lipa deni !
Mom @KoskeyGladys

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

You’ve been warned!

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

Lipa deni !

@LidoFinance

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

Lipa deni!!!! 🤬

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

Ujingaville! At the DeFi community! Daylight robbery from MEVs since day 1! Liquidity starter kits come with theatrical drama if you get caught. 🎭🪳🐕 #DeFi

🤦🏾‍♀️🇺🇸🇰🇪📢

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

🥰🥰

[Lillian Chebet Siefken🇰🇪❤️🇺🇸 @CLK54Original]

Ask me anything! 🇰🇪🎤🇺🇸🤭🤷🏾‍♀️