Again, this is JUST MY OPINION... maybe... say NOTHING to your W about the account... who knows... could just be a "test" to get a reaction from her... be wary of any comment you might make about it...
I would only address it if she eventually brought it up... then I would say something like, "Yeah, I noticed that money got moved..." and leave it at that... but that's just me suggesting words that I've never had to say...
Now as far as handshake agreements go (with people you are struggling with trust)... just ask Val how it can happen when you give people too much authority when they aren't quite ready for it... regarding money...
