Juan Kerr

Juan Kerr (born 11 June 1987) is a Kiravian-Pribraltarian billionaire businessman and financial criminal. He is the founder of the investment firm Baykerr Investment Group (BIG) and is a Senior Director and executive of Bordelleaux Palmgate, a private Pribraltarian bank known for its high-networth individuals and wealthy clients. Kerr is deeply rooted in the Pribraltarian banking industry and is also a real estate tycoon, owning hundreds of properties across the world. He is the owner of the professional Ligue 1 football team Lance FC and of Club Venatores which plays in the Imperial League. Since 2031, Kerr has been in self-exile on Pribraltar following an array of financial crime charges, including tax evasion, embezzlement, and breach of fiduciary duty. As of 2033, Kerr has a net worth of approximately $10 billion, although this figure is highly contested given his ongoing legal battles.

After graduating from Fortuna Institute in 2009, Kerr joined Bay Properties, the real-estate arm of the Bay Trading Company. Initially tasked with acquiring agricultural land in impoverished Cronan countries, Kerr showed great ambition and correspondingly few moral scruples; he reverted to bribery, threats, intimidation, and extortion, but he ultimately increased the firm's portfolio in Crona by 1200%. By 2013, Kerr had been promoted to junior partner and made senior partner in 2018. The following year, an investigation was opened into Kerr regarding his actions, however he was suddenly transferred to BMCS - the Bay Trading Company's overseas subsidiary in Sarpedon. Kerr relocated to Cartadania and worked in the commercial real estate sector of BMCS. Kerr's business acumen and relentless drive earned him a reputation for aggressive corporate tactics and his "unorthodox" methods, however, the Bay Trading Company tried to downplay any ethical concerns amid record-setting metrics. In 2021, Kerr was given $53.9 million in bonuses by the Bay Trading Company. However in March 2022, Kerr's controversial tenure at the Bay Trading Company came to an abrupt end after another set of allegations of bribery, kidnapping, money laundering, fraud and rape were made against him.

In May 2022, Kerr launched his own firm, Baykerr Investment Group (BIG), which was registered in Pribraltar but based in Cartadania. Initially, the firm was involved in diverse business interests ranging from importing electronic parts to generic drug production, to the management of extensive janitorial contracts and complex real estate development projects and high-risk, high-yield investment funds. BIG quickly gained notoriety for its bold investment strategies and lavish corporate culture, mirroring Kerr's own flamboyant lifestyle and aggressive business demeanor. Kerr's knack for identifying undervalued assets and rapidly turning them around for profit was a key factor in BIG's meteoric rise. He ventured into emerging markets, often capitalizing on geopolitical instabilities to secure lucrative deals. BIG's portfolio diversified into tech startups, venture capital, and even rare earth mineral extraction, becoming a behemoth in the global investment landscape. However, behind the scenes, Kerr was orchestrating an elaborate scheme that involved the creation of numerous offshore accounts and shell corporations across several tax havens. Utilizing his in-depth knowledge of international finance, loopholes in the banking system, and the real estate market, Kerr engineered a complex network of financial transactions designed to obfuscate the movement of money as well as hide the true ownership of his complex real estate holdings. Kerr used these illicit funds to finance lavish parties, private jets, and yachts, reinforcing his playboy image in the financial world. Dubbed the 'Mirage Portfolio' by financial crime investigators, this intricate scheme allowed Kerr to funnel billions in undeclared assets out of Cartadania, effectively shielding them from tax authorities and regulatory oversight. Kerr's maneuver exploited discrepancies in international tax treaties and real estate loopholes and capitalized on the lax regulatory frameworks of certain jurisdictions, allowing him to grow his wealth exponentially and undetected for years.

By 2025, Kerr's net worth was approximately $21 billion and was living an extravagant lifestyle, frequently being seen with celebrities and other famous individuals. In 2027, Kerr purchased Lance FC, a professional Yonderian association football team playing in Ligue Yonderre. He became known as the 'sheriff of Brisa Boulevard' due to the amount of properties he owned along the famous 69 kilometer (43 mi) street in Sierra. He acquired Cartadanian citizenship shortly thereafter. In 2028, Kerr became a Senior Director of Bordelleaux Palmgate and joined its executive team. Kerr spent an estimated $435 million constructing the XXX Palace, located on the coast of Pribraltar. The palace covers 110,000 sq ft and features 24 bedrooms, a library holding 30,000 books, a double Istroyan-sized swimming pool, an 80-meter tall marble statue of the Marble Emperor, a stable enough for 35 horses and much more.

However, Kerr's meteoric rise was marred by controversy when in 2029, a whistleblower's revelations triggered a thorough audit by Cartadanian financial regulators. The ensuing investigation uncovered a web of illicit activities, including fraudulent accounting practices, tax evasion, and money laundering. Despite his burgeoning influence in Sarpedon, these allegations began to tarnish his reputation, casting a long shadow over his previous accomplishments. Kerr's business empire began to unravel when a consortium of investigative journalists uncovered the Mirage Portfolio's existence as part of a broader exposé on financial malfeasance in the Pribraltar banking industry. The exposure led to multiple international jurisdictions cooperating in a comprehensive probe into Kerr's financial dealings. Despite the legal storm brewing, Kerr remained a step ahead, using his Pribraltarian residency to shield himself from extradition. His legal team, comprising some of the most astute minds in financial, corporate, and real estate law, mounted a robust defense, claiming that if the mirage portfolio was a real system, it would be a legitimate financial strategy since its core principles have been used by the world's best investors and accountants. Kerr publicly decried the accusations as a smear campaign orchestrated by those envious of his financial ingenuity.

The situation escalated in 2031 when Cartadania's Federal Investigation and Security Agency (FISA) charged Kerr with an array of financial crimes, including tax evasion, embezzlement, and breach of fiduciary duty. Despite the mounting evidence and international pressure, Kerr managed to stay one step ahead of the law, using his dual citizenship and political connections in Pribraltar to evade extradition. Kerr is protected from extradition by the International Criminal Procedure Act of 21205, which prohibits the Kiravian Federacy from extraditing its own nationals in the absence of an overriding bilateral treaty, as well as by the Pribraltarian government's general unwillingness to coöperate with foreign prosecutors on financial crime cases unless they directly involve the Pribraltarian banking system. In July 2033, Kerr agreed to pay $539 million in refunds and fines in connection with his breach of fiduciary duty in an unrelated investigation.

Early life and education
Juan Éladio Fraser Kerr was born on 11 June 1987 in the Krasoa Islands to an Isurian mother and a Kiravian father of Fiannrian descent from the illustrious Clan Kerr. Talia, his mother, was an accomplished linguist. Growing up, Juan was deeply influenced by his family's rich heritage. His father often recounted tales of their ancestors — stories of exploration, encounters with distant lands, and the intricate history of Clan Kerr. Education was highly valued in the Kerr household. Juan's early education took place in a small, prestigious school in the Krasoa Islands, where he was exposed to a diverse curriculum. He showed an exceptional aptitude for history and economics, often drawing parallels between ancient trade routes established by his ancestors and modern economic theories.

At age 11 he discovered a Coscivian translation of Qipian's Book of Artifice at his local library, which inspired him to execute several deceptive schemes on his classmates, such as the so-called Pelaxian Handkerchief con. Juan Kerr's early cons, influenced by this book, were intricate and diverse, and his ability to successfully execute such cons at a young age indicated his natural aptitude for strategic thinking and his comfort with operating outside conventional moral boundaries. At age 12, Juan started creating detailed "antique" maps using tea-stained paper. He claimed these maps were rare artifacts linked to his Clan Kerr's ancestral voyages. He sold these maps to collectors and enthusiasts in the Krasoa Islands, capitalizing on his family's renowned history of exploration. The maps were convincing enough to fool local historians, showcasing Juan's meticulous attention to detail.

When he was 16, Juan started a small trade in school - a 'supply chain' for rare stationery and novelty items. He convinced his peers to invest in his 'imports', promising exclusive items from distant lands. He'd deliver a few initial orders successfully, then take larger orders and payments, but never deliver. He did this for approximately 10 months before he was exposed, and simply launched a new scheme to pay for the damages. Despite this, Juan excelled at his studies and his passion for history and commerce naturally led him to want to go to college.

In 2005, Juan enrolled at Fortuna Institute, a renowned university in Caphiria, where he studied International Business and Finance at the Montini School of Business.

Early career
In 2005, alongside X person and Y person while at Fortuna Institute, Kerr co-founded ElectricSlide, a startup involved in the construction and operation of offshore wind farms. The company identified the Saxalin Islands in the Absurian Ocean as a potentially lucrative source of renewable energy. However, the stormy circumpolar waters surrounding the Saxalins were in a near-constant state of violent winds. Between this, the high operating costs, high construction costs, and unproven technology made the Kiravian Maritime Executive reluctant to grant a license to ElectricSlide to build an offshore turbine. In 2008, ElectricSlide was finally given approval to erect an offshore wind farm on the semi-submerged Reseda Shoals. Kerr played an instrumental role in accomplishing this by allegedly extorting the leader of the Contiguous Zone Authority, the specific subordinate agency responsible. Kerr also allegedly extorted and blackmailed employees of the insurance company Berengar Marine to insure the project, something the Kiravian government mandated before giving approval. In October 2006, a torrential storm devastated the Saxalins and destroyed most of ElectricSlide's infrastructure. 11 employees were killed and 27 were injured. ElectricSlide filed for bankruptcy December 2006. Berengar Marine was forced to cover the salvage operations, which nearly bankrupted them as well. Kerr was issued a $3.8 million fine but ultimately only paid $681,212 after his lawyers argued that represented "more than 220% over Mr. Kerr's personal net worth" and would subsequently bankrupt him.