Reese and Finch's latest number is twenty-six year old Abby Monroe, who they expect will be the target based on basic information they have about her. She is a past honor student having received a degree in engineering. She worked the past year for Homes for Our Returning Heroes, a military charity that supports returning veterans financially, that job Reese and Finch surmise in honor of her brother who was killed in Afghanistan. She, however, left that job to work instead for the city planning department. Their belief that she will be the target does not diminish when they and Carter find out that she was fired from the charity for stealing, that she committed a minor theft while at the planning department, and that she is associated with a veteran name Shayn Coleman, who too has committed some major thefts of late. Abby seems like she has been trying to live off the grid for the past week, leading to their belief that she is running away from someone or something. When Reese and Finch catch up with Abby and Shayn and discover what they're up to, they have to decide what to do based in part on the illegal nature of their plan. Meanwhile, Donnelly offers Carter a temporary secondment into the FBI, with the job having the strong possibility of being permanent. The secondment is specifically to work on the "suited man" case, with Donnelly and his team getting new information about John and his whereabouts. Detective Beecher wants to pursue a relationship with Carter about which everyone seems happy except Fusco, who doesn't yet trust him. And Fusco keeps an extra eye out on HR's activities as he is worried about his own connection to Davidson's death.
- Open with video of a woman talking about the fact she's about to break the rules "in a big way." We see someone steal a motorcycle.
The latest number is Abby Monroe who had until recently worked for a charity for injured soldiers. They feel she's hiding from someone and Reese rushes out to find her.
Carter talks to a guy she's dating named Cal about Davidson and the tip she got about a cop killing him. The man has heard things about HR. Donnelly takes Carter aside and tells her his team is shifting priorities to the "man in the suit." They have information about who he is working for. He thinks Snow may have been recruited by the man in the suit. He offers Carter a temporary assignment with the FBI and believes it could turn into a full-time gig. Carter calls Finch to tell him the news.
Carter meets Reese at the Department of Planning. Apparently Monroe downloaded a building plans file illegally and nobody knows where she is. Carter tells Reese about Donnelly's theory that Reese is working for China.
Using footage from surveillance cameras they spot Monroe getting on a motorcycle with a man. They see the man is wearing a high-end prosthetic hand. The motorcycle was seen at an explosive robbery a few days earlier.
Fusco makes inquiries about Cal.
Finch doesn't think Monroe could be involved in domestic terrorism since they got her number. Finch plans to look into the charity she had been working for.
Reese finds the apartment complex where Monroe and the motorcycle man have been hiding out. Inside he finds a picture of her little brother, Josh.
Finch is told that Monroe was fired for stealing, ultimately talking significant amounts from the charity which gives loans to veterans.
Reese watches Monroe's video she made for her parents. In it she says the reason she's going to break the rules is complicated, but "it's right." She says she knows Josh would be proud of her.
Finch is told Monroe's problems started after she met a Marine named Shane Coleman. He is an explosives expert who lost his arm during service.
Carter tells Finch Coleman had been in deep financial trouble.
The man Finch spoke with at the charity, Chapel, tries to track him to find out Monroe's location. Finch is ahead of him and hides the GPS transponder on a laundry truck. Finch breaks into the charity after hours and runs into Coleman.
Reese finds Monroe.
Finch and Coleman get what they want and Coleman helps him escape the scene on his bike.
Reese asks Monroe about the video for her parents. She tells him that Chapel is a thief. Reese tells her he's a former soldier. Coleman calls Reese and Reese tells him they should meet. Monroe tells Reese that Chapel's loans have ruined the lives of hundreds of soldiers. She says she's going to do "the right thing."
Finch has tapped into Coleman's prosthetic arm, allowing him to track their movements.
Carter tells Cal about her offer from Donnelly to join the FBI. He thinks she should go for it. Cal gets a call from Quinn.
Fusco listens to the meeetings between Quinn and Cal. Quinn asks Cal about a certain Russian mob situation. Simmons catches Fusco while he's listening. Fusco tells him to watch his back. Simmons tells him to leave.
Finch tracks Coleman and Monroe to an investment bank where the cash being shared with Chapel is stored in a vault.
Chapel tells his men to get to the vault and "finish it."
Donnelly tells Carter he has the break he's been looking for. He thinks the key to finding the man in the suit is to use his phone. He has SWAT teams standing by in case Reese uses his phone.
Coleman tells Monroe to go home, but she wants to stay and help him finish the job. Reese shows up and wants the whole story. Their plan is to give the money back to the soldiers. Monroe tries to go the DA but gets nowhere. Finch wants Reese to stop them, but Reese says he has a thing against people who screw with vets. Two minutes before the job is done Finch notices that the FBI is monitoring the line and tells Reese to leave. Reese wants to wait. They break into the vault and find that Chapel has stolen $30 million. Chapel's thugs arrive and Reese shoots it out with them.
Donnelly's team gets word of the shootout and heads to the scene. She calls Fusco and tells him to give the guys a head's up.
Quinn and Simmons talk about the Russian mafia. Quinn's interested in the new revenue stream and says HR needs new friends. Simmons' job is to talk to the Russians and open a dialogue.
Minutes before the bank is to open, Reese, Monroe and Coleman are trapped in the basement. Finch arrives with ID badges for everybody.
After the bank opens Carter arrives at the bank with the FBI. Chapel is also there. Finch gives Monroe and Coleman IDs and tells them a back-story they can use to escape. Reese tells Finch that he's not going to make it and tells him "it's been fun."
Finch tells Monroe and Coleman he'll empty Chapel's accounts and deposit the money into reputable military charities.
Carter tells the FBI she doesn't recognize any of the men found in the basement, Reese being one of them. All of them are placed in handcuffs by the FBI.