Factual Proffer — U.S. v. Kervens Saint-Hilaire (S.D. Fla.)
Summary
A Factual Proffer for defendant Kervens Saint-Hilaire in Case 0:23-cr-60119-AHS, in the United States District Court for the Southern District of Florida, entered on the docket January 30, 2024. The United States and Saint-Hilaire agree that Saint-Hilaire conspired with co-defendant Patrick Ductant and others to commit bank fraud and wire fraud using stolen personally identifiable information. It describes the government's evidence, including text messages showing payment for victim PII that co-defendant Davis obtained from Transunion's TLO database through her employment, images of at least 72 counterfeit driver's licenses, and items seized from a residence and an office in Miramar. It states that the conspirators were responsible for at least 16 fraudulent SBA loans totaling $2,052,500 and caused a total actual loss of $3,097,825, including $1,045,325 to USAA Bank.
Summary drafted by a model from the text of the original file linked on this page and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used
Cite this document
“Factual Proffer — U.S. v. Kervens Saint-Hilaire (S.D. Fla.).”
Original at ecf.flsd.uscourts.gov. Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/court-filing-usa-v-ductant-et-al-dkt-87-s-d-fla-fcbac5c4af/
, SHA-256 2339171d53444f448429a9e39fa6279aa1b937896362d7c1eb4649c01f397998.Full text
Case 0:23-cr-60119-AHS Document 87 Entered on FLSD Docket 01/30/2024 Page 1 of 15
U N ITED STATE S D ISTR ICT CO UR T
SO UTIIERN D ISTR ICT O F FL OR IDA
FO R T LA U D ER D ALE DIW SIO N
CA SE N O .23-60019-CR -SIN GH AL
U N ITED STA TES O F A M ER ICA
VS.
K ERV EN S SM N T.H IL M RE ,
D efendant.
/
FA CT UA L PR O FFER
TheUnitedStatesofAmerica(thelçunited States'')andDefendantKelwensSaint-Hilaire
(çr efendanf')agreethat,werethiscasetoproceedtotrial,theUnitedStateswouldprovebeyond
a reasonable doubtthe following facts,nm ong others,which occurred in the Southern Districtof
Florida and elsew here:
IN TR O D U CTIO N
1. From at least October 2019, and continuing through M ay 2021, Defendant
conspired and agreed with co-defendantPatrick Ductant (çr uctanf),co-defendantVladimir
Saint-Hilaire (Gfvladimir'),co-defendantTerriShana Davis(1tDavis'') Co-conspirator 1,and
others,to com mitbank fraud and wire gaud. Thepurpose ofthe conspiracy was forDefendant
and M sco-conspiratorsto tmlawfully emich themselvesby devising and executing a schem eand
artifice to defraud fmancialinstitutionsand the U.S.SmallBusinessAdministration (1GSBA'').
Defendantlcnew thetmlawfulpurposeoftheplanandwillfullyjoinedinit.
Thebankâaudobjectoftheconspiracy involved,amongotherthings,Defendant
and his co-conspirators llnlawftzlly using the m eans of identification of other persons, and
othenvise m aking m aterially false and fraudulentrepresentations,to obtain m oney,funds,credits,
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Case 0:23-cr-60119-AHS Document 87 Entered on FLSD Docket 01/30/2024 Page 2 of 15
and assetsunderthe custody and controloffinancialinstitm ionswhoseaccountswere insured by
theFederalD epositlnslzrance Corporation,including,butnotlimitedto,USAA FederalSavings
Bank (hereinafter,'CUSAA Bank''),Citibank,N.A.(hereinafter,Gtcitibarlk''),andTD BnnkUSA,
N.A.(hereinafter,EITD Bnnk'').Thewirefraud objectoftheconspiracy ilwolved,among other
things,Defendantand his co-conspiratorsunlawfully using the m eans ofidentification ofother
persons,and otherwise m aking m aterially false and fraudulentrepresentations,to obtain loans
through the SBA'SPaycheck Protection Program (1TPP'')and Economiclnjury DisasterLoan
(1&ElDL'')progrnm .ThePPP andEIDL program weredesignedto provideemergency financial
assistance to the m illions of Am ericans who were suffering f'
rom the econornic effects caused by
the COV1D-19pandemic.
3. To carry out tlle conspiracy and accom plish its purpose,D efendant and his co-
conspirators llnlawfully acquired personally identifiable information (CTII''),including social
sectlrity numbers,dates of birth,and driver license nllmbers,of other persons (hereinafter,
EildentityTheftVictims''). SomeoftheIdentity TheftVictimswereinmatesconfinedirtfederal
and state prisonswho played no role in the conspiracy and did notknow thatDefendantand lzis
co-conspiratorhad acquired theirP1I.Allinmate victimswere interviewed by 1aw enforcement
dtlring the investigation,review ed the fraudulentdoclzments used in the schem e,and provided
sworn statem entsdenyipg any know ledgeorinvolvem entin thecriminalactivity.l
4. Once Defendant and his co-conspirators acquired Identity Theft Victims' PII,
including counterfeitdriver licenses,they used such m eans ofidentification in furtherance ofthe
conspiracytodothefollowing:(a)applyforandobtainfraudulentloansfrom financialinstitmions,
includingpersonalloansfrom USAA BnnkissuedinthennmesofIdentityTheftVictims;(b)apply
1M ost,ifnotall,oftheinmatesdidnothavetheability to communicateelectronically,norauthority to establish or'
possessany identitication,currency,orcreditcards,otherthantheirBop/correctionsidentification.
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forandobtain fraudulentloansfrom theSBA,includingloansthroughthePPP andEIDL program s
issued in the namesofIdentity TheftVictims;(c)open fraudulentbnnk accolmtsatfmancial
institm ions irlthe nam es of Identity TheftVictim s and cpnductfraudulentfm ancialtransactions
within such accotmts,includingdepositingandwithdrawingtheproceedsoffraudulentloans;(d)
fraudulently obtain andusecreditcardsand debitcardsissuedby financialinstimtionsinthennmes
ofIdentityTheftVictims,includingtheplzrchaseofm oney ordersmadepayabletoDefendantand
hisco-conspirators;and(e)otherwisediveMfraudproceedsobtainedinthenamesofldentityTheft
Victim sforthe use and benefitofDefendant,hisco-conspirators,and others,including,butnot
limitedto,purchasesofand/orpaym entstowardhomes,homeimprovements,1tlxury vehicles,and
jewelry,andotherexpenses.
EV ID EN CE SU FFICIEN T T O PR O V E BEY ON D A R ESO N ABL E D O UBT TH E
O FFEN SES TO W H ICH DEFEND A N T H A S A G R EEED TO PLEA D G UILTY
5. A dm issible evidence that the govenzm ent w ould offer attrialto prove beyond a
reasonable doubtthat Defendantis guilty of conspizacy to comm itbank fraud and wire fraud
tcount1)andaggravatedidentitytheft(Count16),includes,butisnotlimitedto,thefollowing:
1. U nlaw fulA cquisition ofV ictim PH from D avis
Textmessage content(including image and video attachments)obtained 9om a
search wanuntexecuted on Defendant'scellphonesestablishesthatco-defendantDaviswasone
soltrce ofPIlthatDefendantand his co-conspiratorsused to perpetrate the fraud offenses. The
content on Defendant's phones further establishes that Davis obtained the PII through
Transu nion'sTLoxp databasethatsheaccessed through herem ploym entatacom pany in A tlanta,
Georgia,and thatDefendantpaid Davis $7 perpiece of victim P1I to via CashApp. The text
m essagesw ere notexchanged between D efendantand D avis directly,butbetw een D efendantatld
Co-conspirator 1 who facilitated the trnnsfer of the PII (via textmessages)f'
rom Davis to
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Defendant.Co-conspirator1wassaved asacontactinD efendant'sphone astGAnd 1//*''with the
phone num berending in 5382.
Specifically,textm essagesbetween D efendantand Co-conspirator1 date-stam ped
October28and29,2019,show thatDefendantaskedCo-conspirator1iftheûttloplgg''(areference
toDavis)couldprovideKenttzclcydriverlicensesnllmbers.Co-conspirator1respondedthatshe
could get(ûallthe info''butfora minimtlm of 10 people at$7 perperson. Defendantasked how
long itwouldtakeherto gettheinform ation,and Co-conspirator1responded,ççlfsheatwork she
lcnock the outA SA P once she getthe cashapp.'' D efendantresponded,lGo k find outifshew orking
today''andCo-conspirator1respondedttsheisljustcalledhertomalcesure.''
N ext, a series of text m essages between Defendant and Co-conspirator 1
establishesthe follow ing:
Co-conspirator 1 sentDefendantinstnzctions forhow to pay Davis,including a
screenshotof Davis'CashApp user nam e,wllich wasçû-l-erri''with the Scashtag
1G$TShanaD'''
>
b) DefendantseùtCo-conspirator1ascreen shotshowing aCashApp confinnation
thatDefendantpaid $70 to ET erri''with theScashtag G%TShanaD'''
7
c) DefendantsentCo-conspirator1thenamesoftheindividualswhosePII(including
driverlicensenumbers)Defendantwanted;Co-conspirator1thensentthesenames
to D avis;and
d) Davisran the queries in the TLO database and sentthe requested PIIto Co-
Consplator 1,which Co-conspirator 1 forw arded to D efendantin variousform ats.
Thisincluded photographsofD avis'com puter screen visibly logged into the TLO
database asçG-l-eni.Davis''with the requested PIIdisplayed,and screen shots and
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screen videosofa separate textmessage conversation thatCo-conspirator 1was
contemporaneously havingwith Davisin which Daviswasprovidingtherequested
PlIto Co-conspirator 1.
In additiontotllistextmessagecontent,thegovernm entwillofferbusinessrecords
obtained through a spbpoena to Transunion showing ltistoricalactivity ofthe TLO database for
user çT erri.D avis.'' The records show that the accotm t for user tl-ferri.Davis''belonged to her
em ployer,and thatçG-l-erri.D avis''had run unauthorized queries forthe nam es and socialsecurity
num bers of the victim s w hose inform ation was captuzed in the screenshots sent to D efendant.
M oreover,an activity 1og show sthatthe date and tim e ofqueries run by lT erri.D avis''is aligned
with the date and tim e ofthem essagestransm itting to information from DavisCo-conspirator 1,
and from Co-conspirator 1 to D efendant.
II. Procurem ent of CounterfeitD river L icenses
10. Digitaland physical evidence obtained through search warrants establishes that
Defendant and his co-conspirators used the PII supplied by Davis tand others) to proctlre
counterfeitdriver'slicenses,m any ofwhich w ere used to pep etrate the offensescharged in the
lndictm ent. Specifically,im agesofatleast72 counterfeitdriver'slicenseswerefolm din thecell
phonesofDefendantandDuctant,anddozensofphysicalcounterfeitdriver'slicensesfoundatthe
residenceofDefendantandllisbrother,Vladiznir,at500 SW 145thAve,Apt.551,PembrokePines
(hereinafter,thettpembrokePinesResidence'').M anyofthesecounterfeitdriver'slicenseswere
used to apply forfraudulentloans and open fraudulentbank accotm ts.
11. A dditionally, text m essages from Defendant's phone show that he obtained
counterfeitdriver's licenses f'
rom unknown co-conspirators :1E faces''and (GR ob.''For exnm ple,
D efendanttexted :$E faces''a pictlzre of a black m ale's face w ith PI1 for identity theftvictim J.H .
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(afederalinmatewho is Caucasian)whose P1lDefendantobtained tllrough Davis(including,
ddverlicensenlzmber,issuedate,expirationdate,dateofbirth,height,andaddress).Aftersending
thepictareand P1I,Defendantasked E faces:G&W hen do you think you willbe finished with it?''
E facesresponded:Glln theam .''A subsequenttextmessageconversationbetweenDefendantand
DuctantcontainedanimageofacotmterfeitFloridaDriverLicenseforIdentityTheftVictim 1çJ.H.''
with theP1lthatDefendanthad sentto E faces. Victim J.H.'SPllwasused to obtain a $39,500
f'
raudulentUSAA loan and open bank accountsin llis nam e to launder and withdraw the fraud
proceeds(duringtheperiodinwhich J.H.wasincarcerated).
111. FraudulentB ank A ccountCreation and U SA A Loan Procurem ent
12. Tangible,digital,and docllmentary evidencewillprovethatDefendantand hisco-
conspiratorscreated tmauthorized bank accounts,procured fraudulentbnnk loans,mld deposited
fraudulently obtainedloanproceedsintotheunauthorizedaccounts,am ong othercriminalactivity.
W ith respecttotangibleevidence,thegovernmentwillintroduceevidenceobtained
from theexecutionofsearchwarralztsattwolocations:1)Defendmlt'sPembrokePinesResidence;
alld 2)the office space thatDefendant,Ductant,and other co-conspirators used at2700 S.
University Drive,#203,M iramar(hereinafter,the çtM iramarOffice'l. Such tangible evidence
includes,among otherthings:USA A Bnnk victim s'bank statements;U SAA Bnnk victim s'credit
cards;counterfeitdriver'slicensesin U SAA Bank victim s'names;U SAA Bank victim s'checks'
,
handwritten ledgers with victim information;USAA Bank victims'passwords,addresses,and
bnnk accotm tinform ation. By way ofexample:
a) lntheM irnmarOffice,investigatorsfound,amongotherthings: post-itnoteswith
64 victim s'nam es,along with em ailaddresses,bnnk inform ation,driver's license
numbers,phone num bers,routing numbers,logins,and passwords belonging to
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Case 0:23-cr-60119-AHS Document 87 Entered on FLSD Docket 01/30/2024 Page 7 of 15
USAA victims(amongothers).Themailingaddressesonthepost-itnotesarethe
addresses to which the fraudulent loan checks and creditcards obtained in this
schemeweremailed (notthetrue addressesforthevictims). The post-itnotes
contain the com m on passw ord infonnation for these victim s' ollline accotm ts
created in fM herance ofthe schem e. Investigators also fotmd the actualcredit
cardsfraudulently obtained in the nam es ofU SA A victim s,and othersbelieved to
be victim s offraud.
b) InDefendant'sPembrokePinesresidence,investigatorsfotmd,nmongotherthings:
copies of Citibank mailto U SAA victims S.W .and J.S.,along with a copy ofa
W ellsFargocheckwith Sixta'sforgedsignaturemadeouttoçtW ell-connected''(a
companyforwhichDefendantistheregisteredagent);identitytheftvictims'USAA
credit card statements,TD Bank check books,credit and debitcards,and bank
accountstatements'
,awritten ledgerwith 23 victim s'nnmesand thestatusofthese
creditcardsasaccepted orrejected'
,counterfeitFloridadriverlicenses;andthirty-
eight (38) $500 non-negotiated W estern Union M oney orders purchased with
fraudulently obtainedUSAA debitcards.
14. W ith respectto digitalevidence,the governm entw illofferevidence from num erous
cell phones and com puters attributable D efendant and his co-conspirators, which w ere found
dtuing the execution ofthe search warrants atthe Pembroke Pines Residence and the M iram ar
, O ffice. The digitalevidence included the follow ing:textm essages,photographs,em ails,chats,
screen shots, and voicem ails, such as pictures of victim checks, victim credit cards, victim
counterfeit driver'slicenses,login passw ords forvictim s,and victim em ailaccotm ts. By w ay of
exnm ple:
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Case 0:23-cr-60119-AHS Document 87 Entered on FLSD Docket 01/30/2024 Page 8 of 15
a) Emails an.
d email account settings on Defendant's cell phone establish that
Defendantcontrolledhlmdredsofvictim emailaccounts,including 14 victim em ail
accountsused illconnection w ith the proctlrem entofU SA A loansand the creation
oftm authorized bnnk accounts.Them ailboxesofthesevictim em ailaccolm tsw ere
storedonDefendant'scellphone,meaningthatDefendantcould(anddid)sendand
receive em ailm essages 9om the victim accountusing the m ailapplication on his
phone.
Em ailsfotm d on a computer located in the M irnmar Office contained dozens of
victim s' PlI and other sensitive security information regarding,hom e/business
addresses,M edical D octor Licenses,passw ords/access num bers, driver's license
numbers,USA A m ember ntlmbers,height,socialsecurity numbers,city where
motherwasborn,nam eoffirstgirlâiend,and CreditKarm apasswords.
c) Textmessagecontent(including attachments)establish thatDefendantandllisco-
conspirators exchanged imagesofvictim creditcards (including USAA victim
S.W .),victim driver'slicenses(includingUSAA victim J.H.),ttinformeddelivery''
updates(i.e.,USPS traclcing)ofvictim card services,andbank loan information,
nm ong otherthings.
d) Textmessage content(including attachments)establishesthatDefendantand his
co-conspirators exchanged im agesand tracldng numbers and pick-up addresses of
victim mail/packagesthatthey weretraclcing (e.g.,aFedExlabelforapackageto
victim S.W .,the victim whose U SA A creditcardsstatem ents and TD check books,
nmongotherthings,werefoundinDefendant'sPembrokePinesResidence).
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e) Pictures of victim credit cards,USAA applications,victim passwords, PlN
nllm bers,bnnk accotm ts,and other inform ation stored on D efendant's cellphone
w ere Geo tagged atthe location of the M irnm ar Oflice and the Pem broke Pines
Residence.z
15. A dditionally,IP recordsobtained by subpoena furtherestablish the link between
Defendant,hisco-conspirators,and the crim inalactivity.Forexample:
a) The ComcastIP address:$73.245.208.9''isregistered to Defendantand hasthe
service address of the Pem broke Pines R esidence. This IP address w as used
m ultipletim esto accessvictim bank accounts.
b) TheComcastIP address:166.229.33.78''isregistered to Venturion,LLC andhas
theserviceaddressoftheM iramarOffice(whichistheregisteredbusinessaddress
forVentudon,LLC)andthelocationwhere1aw enforcementobservedDefendant
and Ductantspending significanttim e. ThisIP addresswasused multipletimesto
accessvictim accounts.
2Geo-tagging istheprocessofattaching location information in theform ofgeographicalm etadatato digitalm edia
likewebsites,videos,andphotographs.Theinformationincludedinageo-tagmayincludeplaceco-ordinates(latittlde
andlongimde),bearings,altitude,distances,orevenplacenames.
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Case 0:23-cr-60119-AHS Document 87 Entered on FLSD Docket 01/30/2024 Page 10 of 15
16. Records and testimony from USAA Bank witnesses will establish that the
conspiracy carried outby Defendantand hisco-conspiratorscaused USAA Bank to suffera loss
of$1,045,325.
IV. FraudulentEIDL and PPP Loans(CARES ActFraud)
17. Thegovernm entwilloffertangible,digital,anddocum entaryevidenceestablishing
that D efendant and his co-conspirators fraudulently obtained COV ID -19 pandem ic relief ftm ds
from theSBA,bothtbzough theEIDL program andthePPP,by using stolen identitiesandm aking
otherm aterialm isrepresentations.
For exam ple,the govem m entwillshow thatDefendantand his co-conspirators
subm itted and caused the subm ission offraudulentEIDL and PPP applicationsto the SBA f'
rom
the IP address atthe M iram ar Office,am ong other places. Three of these applications were
subm itted using stolen identities ofthree non-incarcerated victim s,G1W .S.''5G1K .R.'''and 1GM .S.''
Defendantandhisco-conspiratorsalsousedstolenidentitiestoopenbank accotmtstoreceivesuch
EIDL proceeds. Two ofsuch bank accountwereopened atUSAA Bank inthenameofM .W .,an
inm ate with the Florida Depm m ent of Corrections with a scheduled release date in 2037.
Defendant'scellphone containedtheem ailaccountforM .W .,theim agesofacounterfeitdriver's
licensesforM .W .andW .S.,andtheim agesofthedebitcardslinkedtothefraudulentM .W .bank
accountsatUSA A Bnnk.Thephysicalcounterfeitlicenseforvictim inmateM .W .andthephysical
debitcards w ere found in D efendant's Pem broke PinesR esidence. Those debitcards w ere used
to w ithdraw the EID L proceedstlurugh the purchases of thousands of dollars in W estern Urlion
M oney Orders atPublix superm arkets,which Defendantand his co-conspirators endorsed and
depositedintothei.
rrespectiveaccounts(discussedin greaterbelow).
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Case 0:23-cr-60119-AHS Document 87 Entered on FLSD Docket 01/30/2024 Page 11 of 15
19. ldentity theftvictim sRivestand Steinerreportedthefraudulentloansto theirlocal
policedepartments(CapeCoralandBrowardSheriffsOffice).Theyprovidedsworn affidavits
and areprepared to testify thatthey did notapply fortheseloansoropen thebarlk accolmtsused
to receivetheloan proceeds.
20. D efendantand his co-conspirators also used stolen PIlofinm atesin federalprison,
such asS.W .,S.P.,and J.E.,to fraudulently acquirePPP loans.Atthedirection ofDefendantand
hisco-conspirators,theproceedsofthesefraudulentPPP loanswere electrozlically deposited into
âaudulently createdT-M obilebanlcaccountsintheinmates'names,which Defendantapdhisco-
consp/atorswithdrew usingdebitcat'dslinkedto such fraudulentaccotmts.Forexample,thedebit
cardsforthe PPP loan to S.W .wasfolmd in Defendant's Pembroke PinesResidence;the debit
cards forthePPP loan to J.E.and S.P.werefotm d in the M irnmar Office. As discussed below ,
bnnkrecordsshow thatDefendantandhisco-conspiratorsdivertedtheproceedsofthesePPP loans
fortheirown useandbenefit,including DefendantpayingrentforthePembrokePinesResidence.
Records and testimony from the SBA witnesses w ill Ustablish that, in total,
Defendantand hiscb-conspiratorswereresponsible foratleast16 fraudulentSBA loanstotaling
$2,052,500.
V. D epositand W ithdraw alofFraud Proceeds
22. The governmentwillofferbank records obtained by subpoena,including ATM
surveillance photos,to establish thatDefendanttand Ductant) deposited severalfraudulently
obtained U SA A loan proceed checks into fraudulently created victim bank accounts thatthey
controlled,and thenw ithdrew theproceedsfrom those victim bank accotm tstllrough forged checks
(amongotherwithdrawalmethods).ThefollowingareexnmplesrelateddirectlytoDefendant:
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On Januaty 20,2020,Defendantdepositedgaudulently obtainedU SAA Bnnk loan
check num ber0008975776 in the amotmtof$50,000payableto an Identity Theft
Victim having initials 1:C.S.,''a federal inmate who had been in custody since
Septem ber2014. Bank records establish thatthis depositwentinto a W ellsFargo
checking accolmt ending 6745 thatw as fraudulently opened online on January 4,
2020 in thennm eofC.S.using a counterfeitdriver'slicensenumber. W ellsFargo
ATM photosclearly show Defendantdepositingthe$50,000 check on Januaty 20,
2020 at approxim ately 8:03 p.m . A TM photos also show D efendant later
w ithdraw ing the proceeds ofthe fraudulentU SA A bnnk loan check by depositing
into hisbusinessbank accountforW ell-cozmectedM arketing forgedchecksdrawn
fl'om C.S.'S fraudulentaccotm tfor phony services. For exam ple,on Febnzaly 4,
2020,atapproxim ately 7:54 p.m .,D efendant deposited into W ells Fargo account
5615 forged check //102payableto GçW ell-connectedM arketing''in the amountof
$18,000forçil-lom eSystem ,''whichwasdrawn 9om C.S.'Sfraudulentaccount.An
image ofthe counterfeitFlorida driver'slicense for C.S.used in the schem e was
fotm d in D efendant's cellphone.
On February 19, 2020, D efendant deposited U SA A Bank loan check num ber
0008988796 in the am ountof $49,825 payable to Identity TheftVictim having
initialsJ.S.,an inm atewith the CaliforniaDepartm entofCorrectionswhohadbeen
in custody since M ay 24,2016. Bank records establish thatthis depositw entinto
a W ells Fargo checlcing accotm tending 4184 thatw as âaudulently opened orlline
on February 11, 2020 in the nam e of J.S. using a cotmterfeit driver's license
number. ATM photos clearly show Defendantdepositing the $49,825 check on
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Case 0:23-cr-60119-AHS Document 87 Entered on FLSD Docket 01/30/2024 Page 13 of 15
Febnlary 19,2020 atapproxim ately 9:58 p.m . .
An im age ofthe cotm terfeitFlorida
driver'slicenseforJ.S.used in theschem ewasfound in Defendant'scellphone.
On M arch 2, 2020, Defendant deposited U SA A Barlk loan check nllmber
0009529439 in the nm otmt of $39,500 payable to Identity TheftVictim J.H.,a
federalinm ate w ho had been in custody since D ecem ber 10,2018. Bank records
establish thatthisdepositwentinto a W ellsFargo checldng accountending 4184
thatw as fraudulently opened online on January 29,2020 in the nam e ofJ.H .using
acounterfeitusingacounterfeitdriver'slicensenllm ber.ATM photosclearlyshow
Defendantdepositing the $39,500 check on M arch 2,2020 atapproxim ately 8:18
p.m . ATM photos also show Defendantlater depositing into his businessbnnk
accounts (W ell-connected and Pompano 318)forged checks drawn f'
rom J.H.'S
fraudulent account for phony services. For exnmple, on M arch 11, 2020,
Defendant,at approximately 7:13 p.m ., Defendant deposited into W ells Fargo
accountending 5615 forged check //101 payable to çGW ell-connected M arketing''
in the am otmt of $9,000 for Ell-lom e System ,'' wllich was drawn from J.H.'S
fraudulentaccount. On M arch 20,2020,atapproxim ately 11:20 p.m .,Defendant
deposited into W ells Fargo accotmtending 1026 forged check //105 payable to
t&pompano 318 LLC''in the amountof$8,800forGllloofrepair,''which wasdrawn
from J.H .'Sfraudulentaccotm t.A pictlzre ofthe counterfeitFlorida driver's license
for J.H . used in the schem è w as found in cell phone com m llnications/picttlres
shared betw een D efendantand D uctant.
23. Bnnk records and other records also establish that D efendant and lzis co-
conspiratorsdiverted fraud proceedsto them selvesby using fraudulently obtained creditand debit
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Case 0:23-cr-60119-AHS Document 87 Entered on FLSD Docket 01/30/2024 Page 14 of 15
cardsissued to identity theftvictimsto purchase W estern Union M oney Orders (W UM Os)at
Publix andW inn Dixiesuperm arkets,which Defendantandhisco-conspiratorsdeposited intotheir
personaland businessbnnk accounts.Forexam ple,thetwo USA A Visa debitcardsin thenam e
ofinm ate victim M .W .and one T-M obile M aster Card in the nam e ofvictim S.W .- w 11ich cards
w ere physically fotm d in D efendant's Pem broke Pines Residence- w ere used to plzrchase the
followingthizty-three(33)W UM OS,each$500payabletoDefendant'scompanyW ellwconnected
M arketing Group LLC,w hich D efendantendorsed and deposited into his bnnk account atPN C
Bank ending in #0188.
Additionally,bankrecordsshow thatDefendantdivertedfraudproceedsby swiping
fraudulently obtained victim creditand debitcardsforpaymentsto hispurported businesses. For
example,Defendantcaused hiscompany W ellCormected M arketing to chyrge a USAA Bank
Am erican Expresscard ending 3898,issued in ldentity TheftVictim J.S.'Snam e,thefollowing:
$3,160.05 on October26,2019,$2,685.35 on October31,2019,and $4,225.60 onN ovember21,
2019. The governmentwillofferevidence ofcreditcard swipersand otherpointofsale devices
fotm d inside the M irnm arOffice and the Pem broke PinesResidence.
25. As a resultofDefendant'sparticipation in the conspiracy,Defendantand hisco-
conspiratorsareresponsible forcausing an actuallossof$3,097,825,ofwhich $1,045,325 in loss
wasincurred byU SAA Bank and$2,052,500 in losswasincurredby theSBA .Defendantandhis
co-conspiiatorsused the fraudulently obtained proceedsto erlrich them selvesand othersthrough
approxim ately M ay 2021.
Page 14 of15
Case 0:23-cr-60119-AHS Document 87 Entered on FLSD Docket 01/30/2024 Page 15 of 15
C O N CLU SIO N
26. The factsalld supporting evidence setforth in tllisproffer,w hich do notinclude a11
thefactsoral1theevidencethattheUnited Stateswould useattrial,aresufficienttoprovebeyond
a reasonable doubtthe elem ents of conspiracy to com m itbank fraud and w ire fraud,in violation
ofTitle 18,United StatesCode,Section 1349,and aggravated identity theft in violation ofTitle
18,UnitedStatesCode,Section 1028A(a)(1),andthatDefendantKervensSaint-llilaireisin fact
guilty ofthoseoffensesascharged in Count1and Count16,respectively,oftheIndicu ent.
M ARKEN ZY LAPOINTE
UN ITED STA TES A TTORN EY
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Page15 of15
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