4,946 Documents: Janet Young, J.P. Morgan VP Who Banked Epstein

Get the full documents delivered to your inbox — subscribe to the InvArchives newsletter.

Young's name surfaces across correspondence, financial records, and email chains spanning 2010 to 2014. The documents — part of the SDNY's mass seizure of Epstein's communications and financial files — show her operating as the institutional point of contact between J.P. Morgan's private banking desk and the network of fixers, lawyers, and associates who managed Epstein's money.

The Banker Behind the Accounts

Young held the title of Vice President, Private Bank, at J.P. Morgan's Delaware office — 500 Stanton Christiana Road, Newark — with NMLS license number 832072. She worked alongside colleague Gina Magliocco and reported within J.P. Morgan's private client services team.

Her primary institutional counterpart in the Epstein network was Richard Kahn of HBRK Associates Inc., the financial intermediary who routed requests from Epstein directly to her desk. Documents show their correspondence was frequent and operational — account balances, wire confirmations, and overdraft alerts exchanged in real time.

In a June 2011 email logged as EFTA00674734, Young wrote directly to Epstein's personal email address: "Mr. Epstein, Attached is the Credit Reference Letter that you requested for Financial Trust, Inc. Please let me know if you require any further assistance on this request." Epstein immediately forwarded it to David Mitchell of Mitchell Holdings LLC, 815 Fifth Avenue — suggesting the letter was being used to establish credit or identity verification for a third party.

Overdrafts and Associates

A recurring pattern in the documents is Young's role monitoring accounts held by Epstein's associates — individuals whose accounts J.P. Morgan flagged for overdraft but who did not respond to the bank's communications directly.

In May 2012, Young emailed Kahn about an account overdraft of just $2.06 belonging to a person identified as "Nadia" (EFTA01985664). "The O/D for Nadia is very small and I really just need a response," she wrote.

Kahn forwarded the flag to Epstein: "Nadia's checking account is in overdraft by 2.06. JP Morgan tried to contact her and I called and emailed her as well. Should deposit 2.06 into her account to make this go away?" Epstein's reply was four words: "what would you like rich to do?"

By October 2012, a similar pattern recurred. Young contacted Kahn about a second account — number ending in 9065 — that had been in overdraft for 11 days, with a balance of negative $91.92 (EFTA00876633). Young copied Bella Klein on the alert. Kahn then escalated to Epstein: "Not sure if you are aware of overdraft... Bella has called her 2x this morning with no response. Should I wire to account with overdraft or check with her on where she wants funds sent?" Epstein replied: "check."

From Shell Companies to Yacht Sales

Young's role extended beyond routine account management. In July 2013, she confirmed receipt of a $35,465 wire into a J.P. Morgan account held by Darren K. Indyke PLLC — Epstein's longtime personal attorney (EFTA00873279). The wire was identified as a 20% deposit for the sale of a vessel called the Midnight Express.

Kahn described the transaction to Epstein: "We received the 20% deposit for Midnight Express sale of 35,500 less 35 incoming wire fee (which I will have JPM wave) = 35,465. I am trying to coordinate inspect date as contract allows for within first 10 business days." Young confirmed the funds had landed: "The $35,465.00 arrived today in the above account."

The same month, documents show Young providing a second Credit Reference Letter — this time again for Financial Trust, Inc. — a shell structure Epstein used across multiple financial relationships. No public registration for Financial Trust, Inc. has surfaced in connection with Epstein's known entities, suggesting it may have been used solely as a credit identity vehicle.

The $290 Million Question

J.P. Morgan exited its banking relationship with Epstein in 2013, the same year as the Midnight Express wire. In 2023, the bank reached a $290 million settlement with Epstein's victims — the largest financial institution payout tied to his crimes. A separate lawsuit filed by the U.S. Virgin Islands alleged that J.P. Morgan's private banking division had knowingly processed payments related to sex trafficking over more than a decade.

The documents seized by the SDNY now show the mechanics of that relationship from the inside. Young's name appears across 4,946 records — as the institutional anchor between J.P. Morgan's private banking desk and the men and women managing Epstein's daily financial operations. Whether she was aware of the full nature of those operations has not been established.

J.P. Morgan has not publicly commented on Young's specific role in the Epstein relationship. Her NMLS license record places her at the Delaware private banking office through at least 2013.

What the Documents Show

Taken together, the seized files construct a portrait of how institutional banking infrastructure was embedded in Epstein's day-to-day operations. Account alerts routed through Kahn to Epstein. Credit letters issued on request. Wire confirmations sent to lawyers. Each document, individually routine — collectively, a detailed record of how Epstein's financial world functioned inside one of the world's largest banks.

Federal prosecutors seized these records as part of the SDNY's 2019 investigation. The full archive — 1.3 million pages — is available through InvArchives.

All individuals mentioned are presumed innocent unless proven guilty in a court of law.