Mickey Prohaska is a small-time insurance agent looking for one big score to get him out of frigid Wisconsin. But Mickey's clever con spirals out of control when an unstable locksmith turns the tables and raises the stakes higher than Mickey ever imagined.

When several diamonds are stolen from a jewelry store in Marseilles, the heist bears the hallmarks of the supposedly retired Pink Panther gang. After a child is accidentally killed in their getaway, the thieves resort to desperate measures to fence the jewels. This sparks a series of events that set a British insurance-loss adjuster, a French-Algerian cop, and a Serbian soldier turned diamond thief on a dramatic and dangerous collision course.