It was a typical morning at my office: I had my café con leche (that’s Cuban coffee with milk) in hand and was reviewing a fraud detection report, which indicated someone tried to apply for a yacht loan using a stolen identity. The analyst who sent me the report said Ana, one of our loan officers, submitted an electronic application for Roger, a customer, for the purchase of a 33-foot, $300,000 “go-fast boat.” Go-fast boats are the infamous, cigarette-style boats popular in the 1980s for smuggling drugs into South Florida.