Warning: Spoilers ahead for Steal
Zara (Sophie Turner) is having a run-of-the-mill bad day, hungover from yet another night out and tasked with showing the new intern around at her dead-end job at London’s (fictional) Lochmill Capital, a pension investment company. But things are about to go from bad to nightmare, as a group of armed robbers wearing unsettling facial prosthetics descend upon Lochmill. Zara finds herself at the center of the heist, and is forced at gunpoint to transfer a staggering £4 billion in people’s pension monies into the robbers’ accounts.
That’s largely what happens in the electric first episode of Prime Video’s Steal, created by S.A. Nikias. Though there’s a twist: Zara actually knew this was coming. She was recruited by her co-worker Luke (Archie Madekwe) and embroiled in a scandal she couldn’t have prepared for. Zara was told it would only be a hack, not a full-blown heist that would attract national attention. Through the final five episodes of Steal, Zara finds herself at great risk. She’s determined to clear her name, stay alive, and uncover who the mastermind of this grand heist is.
Let’s break down the twists and turns of Steal’s ending.
Zara’s discovery
Zara has long suspected someone else at Lochmill besides herself and Luke was involved in the heist. In the penultimate episode, she discovers it’s Milo (Harry Michell), who recruited Luke, who in turn recruited her. She was dragged into the heist because, according to Milo, Zara is “the biggest mess in the office,” stuck in her job and drinking every weekend. She’s deeply unhappy, he explains. Nobody would bat an eye if she were killed and staged to look like a suicide, as she’d buckle under the pressure of pulling off such a feat. In short, she’d make the perfect fall guy. The news crushes Zara, but she realizes Milo isn’t the mastermind behind it all—he’s only ever spoken to the person online. Milo was given £20 million, while she and Luke were given £5 million each.
In the finale of Steal, Zara finds Morgan (Andrew Howard), one of the armed robbers, in her house, with a tied-up Luke in her living room. To save their lives, Zara says she can get Morgan another £20 million to escape with. She just has to get it from Milo. They go to Milo’s, and he gives up the code wallet, but to access it, they need the codes for it, which he’s stashed at the Lochmill offices. Milo tries to be a hero, trying to use pepper spray on Morgan, but Morgan stabs and kills him.
At Lochmill, they get him everything he needs to get the money, but it’s not enough. He wants Luke and Zara dead, too. Luke attacks him, saving their lives. DCI Rhys (Jacob Fortune-Lloyd), who’s fallen for Zara, has arrived, but gets shot trying to help Zara. Chaos ensues as the other robbers show up to get Morgan. A firefight breaks out, and Morgan kills all of the other assailants.
Zara could make her escape, but there’s a problem: Morgan has her codewallet with her £5 million. She sneaks up behind him with a taser and attacks him. But she also wants to know why the heist took place. Morgan tells her to ask her police friend, dismissing her as a “f-cking office girl.” Furious, she drives the taser into his neck, delivering a lethal amount of electricity. The police finally arrive, and Zara (along with Rhys and Luke) survives.
Later, a newscast reveals that Milo is now the fall guy. His death was framed as a suicide, the same plot they had planned for Zara. Luke is glad it’s all over, but Zara is still determined to uncover why it all happened. Meanwhile, she and Luke give their codewallets to MI5 in exchange for keeping them out of prison.
The real mastermind behind the heist
Zara tries to tie up loose ends, going to Rhys to ask if he was involved—she cannot get what Morgan said to her out of her mind. He vehemently denies any involvement, saying he’s unable to pay his spiralling gambling debts and he lost his job to boot. How could he have possibly engineered a multi-billion-pound heist with nothing to show from it? But when Zara leaves, Rhys races back to his house and goes through his files from the case. He looks stunned, as if he’s finally figured it all out.
Zara goes to Lochmill to pick up her things as a final goodbye, and notices the police are there. The intern tells her that the money has been returned. Before she leaves, Rhys comes up the elevator, saying he knows who’s responsible.
The culprit and mastermind behind the heist is financial investigator Darren Yoshida (Andrew Koji). As Rhys explains, there was a pattern of Darren getting privileged information, and then the criminals just so happened to learn that same information. He also turned down two different cases to be assigned this heist—he had never turned down a case previously, Rhys discovered. Rhys believes that for Darren, it was just a twisted opportunity for Darren to test his own skills; “a fireworks show,” as he puts it. It was meant to be victimless, according to Darren, but people died in the process, nevermind the trauma inflicted on countless people.
More than just a test, Darren wanted to expose the deep-seated corruption in the financial industry. The heist was designed to expose tax havens and how things are rigged against the vast majority of people. “Our system doesn’t work for 99% of us,” says Darren, “yet we’re all forced to pay into it, except for the ones at the very top. The only ones who really benefit from all this are the ones who choose to opt out. And tax havens are how they do it.”
He did return every penny to the pension, but Darren still has £10 million in a codewallet that he’s taken from tax havens. He implores Rhys to take the money, to pay off his spiralling debts, and to make the world a better place—as long as he doesn’t turn him in. Zara urges him to turn down the money and turn Darren in, which he does, regrettably.
Darren is devastated, but Zara has one last trick up her sleeve. In her box of work supplies is the codewallet that Darren used to pay Milo for the heist, with a staggering £20 million pounds. Though she gave her codewallet with the £5 million, Zara stashed Milo’s, since nobody knew it existed. It was a big risk, but it paid off big time. She reminds Rhys of advice he imparted to her: “Worry about losing and you’ll play badly. And then you’ll lose. This is our winnings, Rhys.” The two walk away from Lochmill Capital with a renewed sense of hope. What’s to come for them, he asks Zara.
“I don’t know,” Zara responds. “Something exciting.” For the first time in Zara’s life, there’s a sense of genuine calm. And with £20 million, there’s little doubt that there’s plenty of excitement in their future.
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