Beyond Fiction: The Banking Scandal
Before becoming an author, I spent forty years in the banking industry, rising from teller to Vice President at institutions like Wells Fargo, Bank One, and JPMorgan Chase. In 1996, I uncovered a $100 million certificate of deposit fraud scheme, triggering an eight-year legal battle. I ultimately prevailed.
The decades of documentation I preserved became the foundation for my forthcoming memoir, CERTIFIED FRAUD: A Texas Banking Scandal — currently seeking representation.
I began my journey as a novelist at age seventy, discovering a passion for storytelling that resulted in the Eve Morgan series. Whether writing truth or fiction, I am drawn to exploring the hidden mechanics of power and the pursuit of what is right.
Today, I live in Fairfield, Texas, with my husband, Lee. Our lives are enriched by our children, grandchildren, and a great-grandson. My faith in God has been the steady anchor throughout every chapter of my life — through the scandals I uncovered and the stories I now share with the world.
Books by Susan Kirgan
My work spans three unique paths: intense psychological suspense seen in the Eve Morgan series, and raw narrative nonfiction rooted in my banking history within my memoir, Certified Fraud. Separately, I delve into a brighter perspective with The BFF Bucket List, a humorous fiction novel celebrating long friendship. Across grit or comedy, my tales probe the weight of truth and the resilience of the soul.
CERTIFIED FRAUD: A Texas Banking Scandal
Narrative nonfiction memoir — currently seeking representation
In 1996, I was a Vice President at Wells Fargo in San Antonio when I uncovered a Certificate of Deposit fraud scheme that ultimately involved more than $100 million across forty-seven banks. The bank had placed me as gatekeeper of the very accounts driving the scheme. What followed was not vindication but an eight-year fight — one that took me into the offices of the FBI, the FDIC, and the Assistant U.S. Attorney, and ended in February 2004 when I was finally cleared by the Office of the Comptroller of the Currency.
CERTIFIED FRAUD is built on twenty-nine years of contemporaneous records: OCC correspondence, board resolutions, settlement agreements, and recovered emails. It is the story of one woman's refusal to look away.
Forthcoming. For agent and editor inquiries, please use the Contact page.
The Eve Morgan Trilogy
Eve Morgan is a morally complex vigilante pharmacist who becomes a police officer. Across three novels, she works the line between the law and her own sense of justice — and learns how easily one can be sacrificed for the other.
Psychological thrillers — available now
CLOTHED AND AFRAID
The BFF Bucket List, Book One
Adventure has no expiration date.
Seventy-two-year-old Sadie Crenshaw has spent nineteen years watching survival contestants suffer from the comfort of her recliner. Then, on margarita night, she says the obvious out loud: she and her three lifelong best friends should try it themselves.
The network agrees to a senior special edition of Unclothed and Afraid. Sadie has one nonnegotiable condition. They stay fully clothed.
Her first mistake comes before filming even begins. Newly licensed and far too confident, she flies the group to Louisiana in her Cessna, and a storm forces an unscheduled landing deep in the swamp. By the time they reach production, they’ve already gone accidentally viral.
Now Sadie, Kay, Diane, and Lynne must survive twenty-one days of bugs, hunger, rising water, questionable producers, and a rival team of twenty-somethings who have abdominal muscles, a supplement line, matching cheekbones, a combined fear of carbohydrates, and no common sense.
Survival, it turns out, may depend less on youth than on friendship, gumption, and knowing when to ignore the people in charge.