In Victorian England, no woman --- not even a brilliant economist like Reina Martin --- is allowed to open her own bank account. Together with her mentor, the powerful banker William Farlow, Reina will build the first all-women’s bank, where women can manage their own financial security. But soon she is shocked to discover that her enigmatic butler, John Pembroke, is an undercover police detective. He’s been assigned to investigate Farlow, who’s suspected of financial crime on a scale so massive that it could destabilize the British economy. Pembroke needs Reina’s expertise for a high-stakes nighttime heist to obtain incriminating evidence. Now she faces the agonizing choice of betraying her mentor or turning her back on thousands of working-class families who stand to lose everything.

Three lonely people. Three lives at the crossroads. Three people who are about to discover that Christmas is the time of year when anything is possible, and when wishes have a way of finding the path home…