Having grown up on the mean streets of nineteenth-century London, Caroline St. James is used to fighting to survive. So when her beloved mother-abandoned and ignored by her wealthy family-suddenly dies, the scrappy twenty-two-year-old devises a plan to right this terrible wrong. With nothing to lose, she sails to New York to find the man who turned a cold shoulder to her mother's suffering: Caroline's grandfather. To settle the family score, Caroline infiltrates her grandfather's privileged world, hoping to sabotage his business from the inside. But as she sets her plot in motion, she meets Jackson Montgomery, a virtuous man who is struggling to recover from a family scandal of his own. As their friendship grows, and Caroline begins to piece together the motives that led her family to turn its back, she is forced to make a decision: Should she risk everything in the name of justice? Or can she look toward the future and let love and forgiveness guide her instead?