Irving Picard is on the warpath. Mario Tama / Getty Images / AFP
Irving Picard is on the warpath. Mario Tama / Getty Images / AFP

Madoff clawback claims highlight moral dilemma



Irving Picard, the lawyer who is liquidating Bernard Madoff's estate, went on the warpath this month.

He sued to recover US$50 billion (Dh183.65bn) from investors in the disgraced financier's Ponzi scheme who got out of it with profits, and the spotlight quickly turned to the banking powerhouses from which he wanted money: UBS, JPMorgan, Citigroup and HSBC, among others.

They were on the hook, he alleged, for tens of billions of dollars after putting money with Madoff and coming away with profits, even though they presumably had no idea the whole thing was a sham.

Less noticed, though, were the scores of smaller investors from whom Mr Picard wanted restitution, including a smattering of former Madoff clients from the Gulf. Also little noticed amid the bluster of blockbuster charges against some of the world's biggest banks were the tricky moral questions inherent in the suits.

There is no denying that Mr Picard and the other lawyers trying to get money for victims of Madoff's scheme have a legal basis for doing so. Such clawback cases are fairly common in the prosecution of white-collar fraud in the US. But the moral foundation of those laws seems somewhat less sound.

The guiding principle of the suits seems to be that since Madoff's swindle was a fraud, people and institutions who made money from it - even unwittingly - were on the receiving end of ill-gotten money. They should therefore have to disgorge it. It's the same way the US justice system treats stolen property: if you unknowingly buy fleeced goods, you have to return them to their rightful owners even if you didn't know they were hot items.

That is a flawed principle as it applies to the Madoff case, though, insofar as it fails to recognise the equal culpability - or lack thereof - of all investors in the scam. If you're going to go after investors who got in and got out years ago with a profit, it would seem you need a finding that they were more guilty than the people left holding the bag. Prosecuting the innocent doesn't seem fair, after all. And yet there is little evidence that investors who said sayonara when they were billions of dollars richer had more knowledge that Madoff's hedge fund was a flimsy house of cards.

Of course, there is an argument to be made that what Mr Picard is doing is absolutely equitable. If we presume all investors were equally unaware of the scam, they should all share equally in any losses suffered because of it. And because the people who kept their money in until the bitter end suffered most, they should get some compensation from those who exited with profits.

That's a rational justification for Mr Picard's cases. But a settlement along those lines would still be imperfectly equitable. Investors who left Madoff's scam years ago took their money out without ever considering that they might be asked to give it back. And many of those investors certainly used those funds to make other investments - investments that may have lost value or are tied up in assets that are hard to sell. They bought houses, cars, office buildings, shares in private-equity funds and other hedge funds that are undoubtedly tough to liquidate.

The problem is that if Mr Picard's cases succeed, they risk creating a new class of victims instead of distributing profits from the fraud equally among its dupes. Would such an outcome be fair? Not exactly.

Yet if Mr Picard takes another tack and tries to apply a greater degree of culpability to some Madoff investors, the already complex case will become all the more tangled. He would have to argue either that big banks and other investors were wilfully blind to the scheme - that they would have uncovered it if they did a full investigation - or that they knew it was a fraud and went along with it anyway. He can't have it both ways.

"If you're saying on the one hand that the banks knew about it, they were reckless, they knew what was going on, and at the same time they were wilfully blind, you have an inherent problem in the lawsuits," David Berg, a lawyer and best-selling author, told Bloomberg Television recently. "But he'll overcome that."

Despite the questions that still linger about the fairest denouement for the world's biggest financial fraud, what's clear so far is that Mr Picard's strategy is bearing fruit. Union Bancaire Privee, a Swiss bank that counted investors from the Middle East among clients it steered into Madoff funds, reached a $500 million out-of-court settlement with the trustee this month, although it did not admit guilt. The widow of Jeffry Picower, a major investor in Madoff's funds, later reached a record $7.2bn settlement with Mr Picard.

Fundamentally, everyone wants investors who lost money to Madoff to be given as much of their money back as possible. As the legal cases swirl, though, it's important not to lose sight of the ethical questions they raise. How justice is administered for Madoff's victims, after all, could have wide-ranging effects on how investors in many future fraud cases are treated. Given the globalisation of finance and investing, such cases are likely to affect the rights and legal responsibilities of investors everywhere, including many in the Gulf.

The White Lotus: Season three

Creator: Mike White

Starring: Walton Goggins, Jason Isaacs, Natasha Rothwell

Rating: 4.5/5

The%20specs%3A%202024%20Mercedes%20E200
%3Cp%3E%3Cstrong%3EEngine%3A%20%3C%2Fstrong%3E2.0-litre%20four-cyl%20turbo%20%2B%20mild%20hybrid%0D%3Cbr%3E%3Cstrong%3EPower%3A%20%3C%2Fstrong%3E204hp%20at%205%2C800rpm%20%2B23hp%20hybrid%20boost%0D%3Cbr%3E%3Cstrong%3ETorque%3A%20%3C%2Fstrong%3E320Nm%20at%201%2C800rpm%20%2B205Nm%20hybrid%20boost%0D%3Cbr%3E%3Cstrong%3ETransmission%3A%20%3C%2Fstrong%3E9-speed%20auto%0D%3Cbr%3E%3Cstrong%3EFuel%20consumption%3A%20%3C%2Fstrong%3E7.3L%2F100km%0D%3Cbr%3E%3Cstrong%3EOn%20sale%3A%20%3C%2Fstrong%3ENovember%2FDecember%0D%3Cbr%3E%3Cstrong%3EPrice%3A%20%3C%2Fstrong%3EFrom%20Dh205%2C000%20(estimate)%3C%2Fp%3E%0A
Fixtures
%3Cp%3E%3Cstrong%3EWednesday%2C%20April%203%3C%2Fstrong%3E%3C%2Fp%3E%0A%3Cp%3EArsenal%20v%20Luton%20Town%2C%2010.30pm%20(UAE)%3C%2Fp%3E%0A%3Cp%3EManchester%20City%20v%20Aston%20Villa%2C%2011.15pm%20(UAE)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EThursday%2C%20April%204%3C%2Fstrong%3E%3C%2Fp%3E%0A%3Cp%3ELiverpool%20v%20Sheffield%20United%2C%2010.30pm%20(UAE)%3C%2Fp%3E%0A
Specs

Engine: Dual-motor all-wheel-drive electric

Range: Up to 610km

Power: 905hp

Torque: 985Nm

Price: From Dh439,000

Available: Now

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”