Banking, Wire, and Mail Fraud Attorney
Banking, wire, and mail fraud charges are among the most aggressively prosecuted white collar offenses in the federal system. These cases often begin with a government investigation and escalate quickly, sometimes before a target even realizes they’re under scrutiny. At Aaron L. Wiley, P.C., we understand how these cases are built and how to defend them. With over 30 years of experience, including 18 years as a federal prosecutor, Aaron L. Wiley brings a clear, strategic approach to representing professionals and businesses facing fraud allegations.
Understanding Federal Fraud Allegations
Banking, wire, and mail fraud are broad categories that allow the government to prosecute a wide range of alleged conduct. Mail and wire fraud involve the use of the postal service or electronic communications like email, phone, or wire transfers as part of a scheme to defraud someone of money or property. Bank fraud involves any scheme to defraud a financial institution or obtain money under false pretenses. These statutes are often used together in investigations related to billing practices, loan applications, vendor relationships, or government reimbursement programs.
For doctors, nurses, lab owners, pharmacists, veterinarians, and other licensed professionals, fraud charges often arise from billing disputes, reimbursement audits, or alleged misrepresentations in documents submitted to insurers, government agencies, or financial institutions. What may start as a civil audit or inquiry can quickly become a criminal investigation involving subpoenas, search warrants, and federal agents. The consequences of a conviction are serious – lengthy prison sentences, massive fines, and the loss of professional licenses or Medicare/Medicaid eligibility.
How These Cases Are Investigated
The federal government uses a wide range of tools to investigate fraud allegations. These include grand jury subpoenas, interviews with employees or third parties, financial audits, and electronic surveillance. In some cases, parallel investigations occur, where civil regulatory agencies such as the DEA, FDA, or medical boards coordinate with federal prosecutors and investigative agencies like the FBI, HHS-OIG, or IRS-CI.
Because these investigations often unfold quietly over months or even years, many professionals are unaware they’re under investigation until they receive a target letter or agents show up with a warrant. Early legal intervention can be critical. A knowledgeable attorney can respond to subpoenas, protect your rights during interviews, and potentially resolve matters before formal charges are filed.
Common Scenarios in Professional Settings
Fraud allegations often involve complex billing or financial transactions that are open to interpretation. For example, a medical provider may face allegations of wire fraud for claims submitted through an electronic billing system if the government believes the services were not medically necessary or were upcoded. A pharmacist may be investigated for mail fraud if medication shipments are alleged to be based on false prescriptions. A laboratory owner could face bank fraud allegations tied to loan applications or investor materials. These are just a few of the ways fraud statutes are applied.
The government does not need to prove that the alleged scheme succeeded—only that there was an intent to defraud and the use of mail, wire, or bank systems to further the scheme. This makes it critical to have an attorney who can not only challenge the facts of the case but also contest the government’s interpretation of intent, conduct, and causation.
Strategic Defense Against Complex Allegations
Aaron L. Wiley, P.C. provides representation tailored to the unique risks faced by licensed professionals and businesses. With deep experience on both sides of federal investigations, Mr. Wiley knows how prosecutors approach these cases and how to respond. Whether your case involves improper billing, financial disclosures, vendor relationships, or alleged false statements to a bank or insurer, we will help you understand your legal exposure, develop a defense strategy, and work toward the best possible outcome.
Fraud charges can threaten your career, reputation, and freedom. If you are under investigation or have been charged with banking, wire, or mail fraud, it is essential to act quickly. Contact Aaron L. Wiley, P.C. to discuss your case in confidence.