The United States Department of Justice sends this information as posted below:
OKLAHOMA CITY – JOSEPH NICANOR ISEZAKI SAN NICOLAS, 34, of Edmond, has been sentenced to serve 46 months in federal prison for bank fraud, announced U.S. Attorney Robert J. Troester.
“This defendant exploited his access to sensitive financial information to steal hundreds of thousands of dollars from unsuspecting customers,” said U.S. Attorney Robert J. Troester. “Today’s sentence sends a clear message that those who abuse the financial system for personal gain will be held accountable and face serious consequences.”
“Mr. San Nicolas abused his position of trust within the financial system to enrich himself at the expense of those he was responsible for protecting,” said Christopher J. Altemus, Jr., Special Agent in Charge of IRS Criminal Investigation’s Dallas Field Office. “This conduct represents a grave violation of the law, and Mr. San Nicolas now faces the serious consequences of those actions. This investigation and the resulting sentence demonstrate the commitment of the women and men of IRS-CI to safeguarding the financial system and holding those who abuse it accountable.”
According to public record, from January 2022 through May 2024, San Nicolas used his position at an Oklahoma-based credit union and later at a banking software provider to access and view private account data for customers. San Nicolas then used customers’ private banking information to make unauthorized withdrawals and payments from multiple victim accounts. In all, San Nicolas stole more than $600,000 from victims at three financial institutions and used the money for personal use, including the purchase of two vehicles.
On August 20, 2025, a federal grand jury charged San Nicolas with bank fraud. San Nicolas pleaded guilty on October 14, 2025, and admitted he knowingly executed a scheme to steal money from victim accounts at the three financial institutions without permission or authorization.
At the sentencing hearing on January 20, 2026, U.S. District Judge Joe Heaton sentenced San Nicolas to serve 46 months in federal prison, followed by two years of supervised release, and ordered him to pay restitution in the amount of $242,385.98, the amount of unrecouped losses. In announcing his sentence, Judge Heaton noted the seriousness of the offense and the need to deter others working in the financial system from abusing a position of trust to steal customer money.
This case is the result of an investigation by the Internal Revenue Service – Criminal Investigation. Assistant U.S. Attorney Jackson D. Eldridge is prosecuting the case.
Reference is made to public filings for additional information.
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