Christian Torres, 21, a transit officer who lives in Queens, waited outside a Sovereign Bank branch in Muhlenberg Township shortly after 8 a.m., police said.
Torres, who had traded his NYPD uniform for a black suit with a button-down shirt, approached a teller as she arrived for work, police said.
He asked her a question about mortgage rates, but was told to wait until the branch opened.
When another female employee, who had arrived earlier, opened the door from the inside, Torres pulled a gun, forced his way in and demanded the two women take him to the vault, according to court papers.
He allegedly ordered them to take out bills in $20, $50 and $100 denominations and stuff them into a white shopping bag he was carrying.
The cop ran out of the bank with $113,000, prosecutors charged.
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