Joseph Nicanor Isezaki San Nicolas, a 34-year-old resident of Edmond, has been sentenced to 46 months in federal prison for committing bank fraud. The sentencing was announced by 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.”
Christopher J. Altemus, Jr., Special Agent in Charge of IRS Criminal Investigation’s Dallas Field Office, commented on the case: “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. 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 records, between January 2022 and May 2024, San Nicolas worked at an Oklahoma-based credit union and later at a banking software provider, where he accessed private account data belonging to customers. He used this information to make unauthorized withdrawals and payments from multiple accounts across three financial institutions, stealing over $600,000 for personal use—including buying two vehicles.
San Nicolas was indicted by a federal grand jury on August 20, 2025, on charges of bank fraud. He pleaded guilty on October 14, 2025, admitting that he knowingly carried out a scheme to take money from victim accounts without authorization.
At his sentencing on January 20, 2026, U.S. District Judge Joe Heaton ordered San Nicolas to serve nearly four years in prison followed by two years of supervised release and pay restitution totaling $242,385.98—the amount representing unrecovered losses from his scheme. Judge Heaton highlighted the seriousness of San Nicolas’s actions and stressed the importance of deterring others in similar positions from abusing their roles.
The Internal Revenue Service – Criminal Investigation led the investigation into this case. Assistant U.S. Attorney Jackson D. Eldridge is prosecuting.
Further details can be found in public court filings.
