In the Eyes of a Stranger (1992)

An overworked woman encounters a pair of armed robbers while riding home on the subway. When one of them commits suicide --- apparently as he divulges the location of some stashed money to her --- police place her in protective custody, even though it appears that she has no idea what the man told her prior to his shooting himself, as she was wearing a pair of headphones at the time. She meets up with a disgruntled cop (Richard Dean Anderson) who decides to join her in searching for the money. A strange twist makes their hunt possible.