Simple answer, Mark Holliday.... with the co-operation and complicity of Standard Chartered Bank. Commissions and charges levied on transactions of this magnitude are sweet music to commercial banks. The Big Four South African banks, by closing Oakbay accounts last year, believed that they had sanitised themselves and their consciences; fat chance. Any South African with an IQ knows that State Capture horror could not have happened without the involvement of The Big Four Banks. They are as responsible for this disaster as the Zuma Cabal and the Guptas.