A Five-Year Plan by Philip Kerr (1999)

Five years in a Miami prison for a crime he didnt commit gave Dave Delano a long time to think. not that Dave is so innocent. He knew that by failing to finger mobster Tony Nudelli for murder he would take a complicity rap and 250,000$ in hush money. but when his cellmate tips him off to boatloads of laundered mob money being ferried overseas in the hulls of us yachts, Dave devises a flawless plan to net himself 30-40 million dollars and a new life. A hopeless romantic, FBI agent Kate Fury joined the bureau in search of action, excitement and occasional danger. instead, the most hazardous thing she's done is forget the safety catch on her lady smith & wesson. So when Columbian cocaine is suspected of being smuggled to Europe in a hollowed out yacht hull, she's determined to make the biggest collar of her career. Yet neither Dave nor Kate are prepared for each other, and thier shipboard meeting is pure combustion-in a novel full of hidden identities, misunderstood motives, and major mayhems that goes full-throttle right into its shocking climax.