Jelenn Urmbrusk

: Masked Lord, N female Tethyrian human noble, Human female noble who became indebted to and was blackmailed by the Zhentarim
Jelenn (N female Tethyrian human noble) is a proud woman in her fifties who desperately wants to get out of debt. Several bad investments ruined her money-lending business, and most of her reliable customers have turned to other providers such as the Cassalanters. Jelenn could have borrowed money from any of a number of nobles in the city or sold off some of the property her family owns in Waterdeep, but doing so would have turned her private financial woes into local gossip. Fear of that exposure led her to borrow money from the Zhentarim instead—a decision she has come to regret. The Zhents working for Manshoon promise to keep their relationship secret on the condition that she do everything in her power to further the group's welfare in Waterdeep.
When not dealing with her slimy creditors, Jelenn is occupied with Masked Lord business. She has no time for a face-to-face meeting with anyone she doesn't know. Characters can confront her as she comes or goes to and from her villa, but she never travels without sixteen guards who form a protective wall around her. If the characters brazenly mention Manshoon or the Zhentarim by name to her, Jelenn demands that they leave her alone or face dire consequences. Jelenn's threat is mostly bluster, since she's not eager to make enemies.
If the characters free Jelenn from the yoke of the Black Network by defeating Manshoon, her debt is effectively canceled. In her delight, she grants them a special favor (see "Special Favors" in chapter 7 of the Dungeon Master's Guide). On the other hand, if they threaten to go to the press with Manshoon's ledger in an attempt to blackmail or discredit her, she pretends to go along with them while secretly using her influence as a Masked Lord to make their lives difficult.

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Silver Marches
Daggerford
Baldur's Gate
Neverwinter
Waterdeep
Deadsnows

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