I work for a very large wearable company so I have some knowledge of how heart rate sensors work
How did he know the timing of the peak? If he had a log it most likely simply had a time stamp of seconds. How does he correlate a random time stamp to the specific moment days after the event. Same comment about his heart rate hitting 130 when he shoves the gun into his ribs.
In general the story just feels fake.
Edit: do thieves really ask you to unlock your phone and banking apps? What app lets you send money that can't easily be traced?