Toronto bank employee Dan Mahowny (Philip Seymour Hoffman) seems like an honest man to his coworkers and loving girlfriend, Belinda (Minnie Driver). None of them realize that he is actually a compulsive gambler who steals from the bank's accounts to pay off his bookie, Frank (Maury Chaykin), and fund regular trips to casinos. Sleazy casino boss Victor (John Hurt) encourages Dan to amass more and more debt, until the missing money becomes hard to hide, and Dan's life spirals out of control.