In the bustling atmosphere of a Toronto bank just before Christmas, mild-mannered teller Miles Cullen discovers a robbery plan through a forgotten note left by the would-be thief. Observing the peculiar behavior and disguise of the potential robber, who frequents the mall where the bank is located, Cullen cleverly devises a scheme to outwit the criminal. He decides to use the impending robbery as an opportunity to skim a substantial amount of money for himself, believing his perfect crime will go unnoticed amidst the chaos of the actual heist. However, Cullen's life takes a sharp turn as his actions inadvertently place him on a collision path with the criminal, a dangerous and unpredictable man.

As the day of the robbery unfolds, Cullen executes his plan with precision, securing the stolen funds under the guise of being another victim of the heist. Initially, he revels in his success, envisioning a life far removed from his mundane existence. Yet, the aftermath of the crime propels both men into a deadly game of cat and mouse. The robber, realizing he's been outsmarted and robbed of his take, embarks on a relentless quest for retribution. The initially quiet and unassuming Cullen is forced to navigate the perilous consequences of his actions, as the boundaries between the hunter and the hunted blur, leading him into a world of violence and deception far beyond his mundane bank teller existence.