警語
🛑 聲明與警語本書為虛構作品，故事中的金融機構、監理單位、制度名稱、風險指標與交易代碼均為改寫或抽象化設計，
雖參考真實金融監理與內控流程的精神，但不代表任何真實法規、文件或機構立場，亦不構成專業意見、法律意見或合規指引。
書中所述情節僅為故事需要，請勿將其作為新聞事實、內部資料或真實流程的依據。
中文簡介
《裂縫協議》是一部結合銀行職場、反洗錢調查與數理推理的懸疑小說。故事以台灣金融體系為背景，主角吳祺倫是一名看似平凡的銀行從業人員，卻在例行的交易覆核中，意外發現交易資料的快照與正式報表之間出現矛盾。他開始懷疑內部有人操控數據，讓巨額資金在「制度縫隙」間消失。隨著調查深入，他被捲入一場涉及跨境洗錢、內部共謀與監理黑洞的金融迷局。小說強調技術細節（統計檢定、程式自動化、AML/EDD規範）與人性博弈，既是數理推理，也是對職場異化的冷峻描寫。
English Synopsis
Crack Protocol is a suspense novel set in the world of banking, anti-money laundering (AML) compliance, and mathematical reasoning. The protagonist, Chi-Lun Wu, a seemingly ordinary credit officer, stumbles upon discrepancies between transaction snapshots and the bank’s official AML reports. His discovery hints at an internal scheme where billions are siphoned through regulatory loopholes. As Chi-Lun probes deeper, he finds himself entangled in a high-stakes conspiracy involving cross-border laundering, insider collusion, and systemic blind spots in financial oversight. Blending technical accuracy (statistical testing, automation scripts, AML/EDD procedures) with psychological tension, the novel portrays not just a financial thriller but also a stark reflection of workplace alienation.
