Settling a Bet

OK, so have any of you seen Transsiberian? A friend and I are having a debate about the ending. When the money is retrieved at the end is it because she's the mastermind (& doesn't the Ben Kingsley character say she is, though the US consul might say other) and when told where body is knows her on own to look for money, or does she go because Harrelson's wife is told where the money is and then tells his girlfriend what reward she might find?