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Without seeing the bill in person it's not possible to say anything definite, but it's likely that someone added those letters after the bill was printed. Blue ink isn't used on the current series of $10 bills, only green, yellow, red, black and orange; also none of the publicly available images at the Bureau of Engraving and Printing show letters in the area beneath the torch.

If on closer examination the letters still appear to have been printed, the best thing to do would be to have the bill examined by a currency dealer. Taking it to a bank would probably not yield an explanation because they're trained to spot counterfeit currency but would be less likely to understand various alterations.

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Q: What do the letters JZ printed in blue ink under the torch on the front of a new US 10 dollar bill mean?
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