Facing financial crime charges can feel overwhelming. Your career, freedom, and finances are all on the line. Sometimes, honest business decisions are mistaken for crimes, and your records end up under scrutiny. It is essential to have a financial crimes defense lawyer in Dayton who understands how financial systems operate and knows how to construct a strong defense.

At Moermond & Mulligan, LLC, we represent professionals, business owners, and anyone accused of financial crimes. We understand how these cases are built and how to challenge the evidence. If investigators have contacted you or you have been charged, act quickly to protect your rights and your future by calling (937) 228-9790 now.

Financial Crimes: High Stakes and Complex Evidence

Financial crimes, also known as white-collar crimes, are non-violent offenses that involve deceiving, cheating, or defrauding individuals or businesses to obtain money or property. Common examples include insider trading (using secret information to buy or sell stocks), wire fraud (using phones or the internet to commit fraud), bank fraud, tax evasion, embezzlement (stealing money entrusted to one’s care), falsifying documents, and accounting fraud.

Sometimes, even one suspicious transaction can lead to a government investigation. Authorities might suspect that someone is trying to deceive investors, businesses, or government agencies. However, not every financial problem is a crime – many come from business disagreements or accounting mistakes.

The legal team at Moermond & Mulligan, LLC studies financial records, audits, and communications to determine whether actions were lawful or criminal. The goal is to protect people’s rights, including their right to fair treatment under the law. 

The Consequences of a Financial Crimes Conviction

The stakes in financial crime cases are high. A conviction can bring more than fines or prison – it can:

• Destroy professional reputations
• Cost professional licenses
• Block government contracts
• Make businesses lose clients or partners
• Create immigration problems for non-citizens
• Limit future job opportunities
• Cause heavy financial losses from restitution

Professionals, such as accountants, advisors, brokers, and executives, risk losing careers that have been built over decades. Even an accusation can attract media attention and harm business ties.

That is why having a strong defense matters. Our team will work to protect your freedom, finances, and future.

Protecting Professional Licenses and Business Interests

Professionals in finance, healthcare, accounting, government contracting, and other regulated industries face unique risks when charged with financial misconduct. A conviction – or sometimes even a pending investigation – can threaten:

• CPA licenses
• Securities licenses (FINRA, SEC)
• Medical licenses
• Contractor licensing
• Access to government contracts

Moermond & Mulligan, LLC understands the impact these charges have on your professional life. We work to defend your legal case while also safeguarding your licenses, reputation, and business future.

How Government Agencies Investigate Financial Crimes

Financial crime investigations rarely unfold overnight. Government agencies often spend months or years collecting evidence before filing charges. During this time, they may:

• Issue subpoenas for business records
• Interview business partners, employees, or financial institutions
• Examine emails, texts, and phone logs
• Review bank accounts and wire transfers
• Use forensic accountants to analyze financial data

Agencies commonly involved include:

• Federal Bureau of Investigation (FBI)
• Internal Revenue Service (IRS)
• Securities and Exchange Commission (SEC)
• U.S. Department of Justice (DOJ)
• Office of Inspector General (OIG)

If you are being investigated, get legal help right away. Investigators might act friendly, but they are there to collect evidence, and even harmless comments can end up being used against you.

Early Action Can Protect You During Government Investigations

Financial crimes often begin with an investigation long before charges are filed in court. A single subpoena, request for records, or target letter can mean you are under serious scrutiny.

If you suspect you are under investigation, do not talk to investigators alone. Federal agents are skilled at collecting information that could later be used against you. Let a skilled financial crimes defense lawyer handle communications and protect your rights.

Early intervention can help:

• Limit the scope of subpoenas
• Protect your Fifth Amendment rights
• Prevent misunderstandings
• Resolve issues before charges are filed
• Minimize media exposure

People often need help handling subpoenas, dealing with federal agencies, and managing risks in early investigations. A defense lawyer can guide them through these steps.

Why Federal Criminal Charges Are Common

Many financial crimes go to federal court, especially those involving interstate business, regulated industries, or electronic transactions. Federal prosecutors can charge crimes under laws such as:

• Securities laws for insider trading
• Federal wire fraud statutes
• Bank fraud laws protect institutions
• Federal tax codes addressing tax evasion
• Laws targeting embezzlement from federally funded groups

Federal prosecutors have access to numerous resources and specialized teams dedicated to investigating financial crimes. The penalties can be severe, involving lengthy prison sentences and substantial restitution payments.

If you have received a target letter, subpoena, or contact from federal agents, speak with a financial crimes defense lawyer in Dayton immediately. Early legal help can prevent charges or reduce risk.

Common Financial Crimes We Handle

Financial crimes span a wide range of offenses. Moermond & Mulligan, LLC has extensive experience defending clients accused of:

• Insider Trading – Charges happen when someone trades stocks with confidential information. These cases involve complex data. We check if the information was truly confidential and if there was intent to misuse it.
• Wire Fraud – Involves the use of electronic communications, such as emails or phone calls, to commit fraud. Prosecutors must prove intent and a link to these communications. We scrutinize records to challenge the charges.
• Bank Fraud – This includes deceiving banks, forging documents, or misusing information to obtain loans or credit. Business owners often face such charges. We help show legitimate business purposes behind transactions.
• Tax Evasion – Accusations involve underreporting income, hiding assets, or failing to pay taxes. Many disputes stem from misunderstandings. We collaborate with tax experts to defend clients.
• Embezzlement – Involves allegedly stealing funds entrusted to you, such as business or nonprofit money. We analyze financial records to prove no crime occurred.
• Accounting Fraud – Involves manipulating financial statements to mislead others. We work with forensic accountants to review data and find alternative explanations.

Regardless of the allegation, we build strong defenses to protect our clients’ rights and futures.

How Moermond & Mulligan, LLC Builds a Strong, Personalized Defense

No two financial crime cases are the same, and each has its own facts, financial records, and legal challenges. We build personalized defense strategies, starting with a detailed investigation into how evidence was gathered, the accuracy of financial audits, whether transactions were legal business activities, errors in forensic accounting, and misunderstandings of industry practices.

Prosecutors must prove intent – a high bar that often causes cases to fall apart when intent isn’t clear. We examine records and communications to show whether actions were lawful or misinterpreted. We also challenge evidence obtained through improper searches or subpoenas.

Our approach stands out because clients work directly with experienced lawyers who have a deep understanding of financial records, audits, and industry practices. We collaborate with forensic accountants and know how to challenge complex financial evidence. Prosecutors recognize we are ready for trial, which often strengthens our negotiation position.

We tailor every strategy to fit the specific charges and our client’s goals, always aiming for the best possible result – whether that is dismissal, acquittal, or a negotiated resolution. Moermond & Mulligan, LLC handles each financial crime case with discretion and determination, focused on protecting your rights, reputation, and future.

FAQs About Financial Crime Charges in Dayton

Facing allegations of financial crime can raise numerous questions and concerns about your future. Below are answers to some common issues we hear from clients in Dayton.

What should I do if I receive a target letter from a federal prosecutor in Dayton regarding a financial crime?

Call a qualified financial crimes defense lawyer right away. If you’ve received a target letter, you may still have time to avoid charges or negotiate a better outcome. A lawyer can advise you on how to respond, gather evidence to support your side, and work to resolve the matter discreetly. Don’t try to handle it alone – early legal help can make a significant difference in protecting your future.

Are financial crime cases in Dayton usually tried in federal or Montgomery County courts?

Many financial crimes are tried in federal court, especially those involving interstate business, federal laws, or regulated industries. Some offenses, however, are charged in Montgomery County courts under Ohio law. Jurisdiction depends on the allegations and agencies involved. 

What impact can a financial crime conviction in Dayton have on professional licenses or government contracts?

A conviction can require reporting to regulatory boards, lead to civil lawsuits, or result in banks closing accounts. Professionals might end up blacklisted in their industries. The stress and publicity can strain personal lives. Working with a lawyer early can help explore ways to reduce these risks.

If you have more questions about financial crime charges, don’t wait to seek help – experienced legal guidance can support you through every step.

Protect Your Future by Contacting an Attorney Today

If you are facing financial misconduct allegations or under investigation for an economic crime, don’t go through it alone. Skilled legal help can make a crucial difference. Protecting your reputation, career, and freedom starts with taking action now.

Contact us online or call (937) 228-9790 to schedule a confidential consultation to discuss your situation and explore your defense options. You deserve dedicated advocates who will fight for your rights every step of the way. Reach out today and begin building a strong defense for your future.

Last Updated: 07-09-2025