Robert J. "Bob" Troester U.S. Attorney | U.S. Attorney for the Western District of Oklahoma
Joseph Nicanor Isezaki San Nicolas, 34, from Edmond, Oklahoma, has been sentenced to 46 months in federal prison for bank fraud. The sentencing was announced by U.S. Attorney Robert J. Troester.
According to court records, between January 2022 and May 2024, San Nicolas worked at an Oklahoma-based credit union and later at a banking software provider. During this time, he accessed private account information of customers without authorization. He then used this information to make unauthorized withdrawals and payments from several victim accounts across three financial institutions. The total amount stolen exceeded $600,000 and was used for personal expenses such as purchasing two vehicles.
San Nicolas was charged with bank fraud by a federal grand jury on August 20, 2025. He pleaded guilty on October 14, 2025, admitting that he knowingly executed a scheme to steal money from customer accounts at the three financial institutions without their permission.
At the sentencing hearing held on January 20, 2026, U.S. District Judge Joe Heaton sentenced San Nicolas to serve nearly four years in prison followed by two years of supervised release. In addition to the prison term, San Nicolas was ordered to pay restitution totaling $242,385.98 for losses that were not recovered. Judge Heaton emphasized the seriousness of the offense and highlighted the need to deter others in similar positions of trust within the financial system from committing such crimes.
U.S. Attorney Robert J. Troester stated: “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.”
Christopher J. Altemus, Jr., Special Agent in Charge of IRS Criminal Investigation’s Dallas Field Office commented: “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.”
The Internal Revenue Service – Criminal Investigation led this case with prosecution by Assistant U.S. Attorney Jackson D. Eldridge.
Further details can be found in public court filings.
