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Ava "Ace" Carter
Age: 32
A mastermind of financial fraud, Ava built a Ponzi scheme empire by manipulating credit lines, banking systems, and digital loopholes.
Power Move: She operates an all-female collection team that seduces, pressures, or eliminates anyone who refuses to pay.
Conflict: Reese is a longtime consultant who secretly envies her dominance and plots against her through Karen.
FRONT STORY
Ava "Ace" Carter – The Queen of Plastic
Front Story (Current Status in Plastic Empire)
Ava Carter, better known as "Ace", is the undisputed queen of credit fraud in Chicago. She runs an elaborate Ponzi scheme that lures in wealthy investors and street hustlers alike, promising high returns on fake business ventures. Using her expertise in hacking, identity theft, and financial manipulation, she controls a sophisticated network of fraudulent accounts, shell companies, and offshore holdings.
Her operation is airtight—money moves digitally, not on the streets, making her nearly untouchable by traditional law enforcement. Her all-female enforcement team, "The Sirens," ensures debts are collected, whether through seduction, intimidation, or lethal force.
Strategic Power: Unlike drug dealers or gang leaders, Ava operates in the corporate shadows. She doesn't just steal credit; she manipulates banks, businesses, and real estate to launder billions.
Conflict with Reese Goodman: Reese, an OG consultant-turned-rival, resents Ava’s control over the South Side economy. He secretly funds his sister Karen’s sabotage team, hoping to dismantle Ava’s empire and re-establish himself as the true kingpin.
Law Enforcement Threat: Unknown to Ava, one of her own, Mocha, is an undercover cop feeding the Feds her financial blueprints.
BACK STORY
Early Life (The Hustle Begins)
Born and raised on the South Side of Chicago, Ava learned the game early. Her father was a local hustler who ran check fraud schemes, and her mother worked in finance, unknowingly teaching Ava how the banking system really works.
By 16, she was running her own scams, using stolen credit cards and fake IDs to buy high-end merchandise and resell it.
At 18, she pulled off her first major scheme, scamming a local bank out of $50K using a fake business loan.
College Years (The Transition to Digital Crime)
Instead of selling drugs or boosting cars, Ava saw a bigger opportunity—digital fraud. She enrolled in business school but never planned to graduate.
She learned about high-frequency trading, cryptocurrency, and offshore laundering, using her school’s resources to build a network of ghost businesses.
At 22, she dropped out after making $1.2 million in a credit card fraud ring.
Building the Empire
Partnered with hackers and former Wall Street insiders to perfect financial fraud on a national scale.
Created fake luxury investment schemes, convincing wealthy clients to invest in businesses that never existed.
At 27, she launched her biggest operation: a multi-million-dollar Ponzi scheme, moving money so cleanly that banks unknowingly legitimized her fraud.
The Move to Power
With money comes enemies—local gangsters, scammers, and even law enforcement started noticing her rise.
Hired The Sirens, her all-female enforcers, to ensure payments and erase liabilities.
At 30, she became untouchable—until Reese Goodman re-entered the picture.
Key Conflicts & Power Moves
Karen Goodman wants her gone. Reese’s sister sees Ava as an unworthy queen and builds her own team to take her down.
Law Enforcement is closing in. Mocha, her own crew member, is a planted Fed agent.
Her Ponzi scheme is reaching a breaking point. If one high-profile investor realizes the scam, her whole empire could collapse.
Ava must stay ahead of Reese, law enforcement, and her own team to remain the queen of plastic.
