At pension fund investment company Lochmill Capital, a typical work day is upended when a gang of violent thieves burst in and force Zara and her best friend Luke to execute their demands.

DCI Rhys is determined to find out who would want to steal billions of pounds of ordinary people's pensions, but as a recently relapsed gambling addict, Rhys must keep his own money problems at bay while dealing with the secret agendas and competing interests at the center of this far-reaching crime.