Information — United States v. Keith Mahlon Dunkley, Southern District of Florida (Document 1)
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A criminal information in United States v. Keith Mahlon Dunkley, Case No. 23-60197-CR, in the United States District Court for the Southern District of Florida, entered on the docket 10/06/2023 as Document 1. Count 1 charges conspiracy to commit wire fraud under Title 18, United States Code, Section 371, from around July 2020 through around January 2022. The information alleges that Dunkley, the Chief Executive Officer of a Florida business, submitted a PPP loan application as a sole proprietor with a falsified Schedule C and received approximately $18,540, and submitted an EIDL application with false revenue and employee figures that yielded approximately $17,500. It seeks forfeiture of proceeds and is accompanied by a penalty sheet listing a maximum term of 5 years and a waiver of indictment form.
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“Information — United States v. Keith Mahlon Dunkley, Southern District of Florida (Document 1).”
Original at archive.org. Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/information-no-0-23-cr-60197-dkt-1-s-d-fla-f49c8e391a/
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Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 1 of 13
UM TED STATES DISTRIG COURT
SOUTM RN DISTRICT OF FLORIDA
cAsExo. 23-60l97-CR -SM ITH /V A LLE
18U.S.C.j371
18U.S.C.j982(a)(2)(A)
FILED BY D.C.
UNITED STATES OF AM ERICA
02T ûs 2223
VS.
ANGELAE.NOBLE
CLERKU S.DIS'LC1:
s.o.ogFl
-k.-FmtAuo.
KEITH M AHI,O N DU NIG EY ,
D efendant.
N ORM ATION
TheU nited SvtesAttorney chargesthat:
G ENER AL ALLEG ATIO NS
Ata1ltim esrelevantto this Inform ation:
The ,j'- //B usintssAdm inùtration
'l'he United Sltes SmallBusiness Adminiskation (tISBA''I was an executive
branch agency ofthe United Statesgovernm entthatprovided supportto entrepreneurs and sm all
businesses. The m ission ofthe SBA w as to m aintain and strengthen the nation's econom y by '
enabling the establisbmentand viability ofsmallbusinessesand by assisting in the economic
recovery ofcom m unitiesafterdisa ters.
2. A s partof this effort,the SBA enabled and provided loans through bsnks,credit
lm ions,and otherlenders. These lonnqhad governm ent-backed guarantees.
TheJkyrAee: Protectlon Program
3. 'IheCoronavirusAid,RelietlaùdEconomicSecurityCCARES''IActwmsafederal
1aw enacted in or around M arch 2020,designed to provide em ergency finnncialassistance to the
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 2 of 13
millionsofAm ericans who were suffering from the econom ic effectscaused by the COV1D-19
pandem ic. One source of relief that the CA RES Act pzovided was the Paycheck Protection
Progrnm (tTPP''),which authorized forgivableloansto smallbusinessesforjob retention and
certain otherexpenses.
4. TheSBA promulgatedregulationsconcerning eligibility foraPPP loan.To obtain
aPPP loan,aqualifyingbusinesswasrequired to subm itaPPP loan application,which wassigned
by an authorized representative ofthe business. The PPP loan application required the business
(through its authorized representative) to acknowledge the program rules and make certain
affirm ative certifications to be eligible to obtain the PPP 10= ,including thatthe business w as in
operation on February 15,2020,and eitherhad employeesforwhom itpaid salaries and payroll
taxesorpaid independentcontractors.Paym entsto independentcontractorsaretypically reported
to thelntemalRevenue Service(ût1RS'')on aCTOI'I'
I'
I1099-MlSC.'' ln thePPP loan application
(SBA Fonn2483),thesmallbusiness(throughitsauthorizedrepresentative)wasrequiredtostate,
among otherthings,its:(a)average monthly payrollexpenses;and (b)numberofemployees.
These figures were used to calculate the am ountof money the smallbusiness was eligible to
receive tmderthe PPP.
ln addition, a business applying for a PPP loan was required to provide
docum entation show ing its payroll expenses. This payroll inform ation w as m aterial to the
application because,pursuantto statutory requirem entsand im plem enting regulations,the am otmt
ofthe loan thattypically could be approved w as a function of the applicant's historicalpayroll
costs,consisting of com pensation to its em ployees whose principal place of residence was the
United States,subjectto certain exclusions.
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 3 of 13
Individuals who operated a business under a ççsole proprietorship'' business
stnzcture w ere eligible fora PPP 10= . To qualify for such a PPP loan,individualshad to report
and docum ent their incom e and expenses from the sole proprietorship.Sole proprietorships
typically reporttheirincom eand expensesyearly to the 1RS on a 11F'01'm 1040,Schedule C.'' As
with otherPPP loans,this inform ation and supporting doolm entation wasused to calculate the
am ountofmoney the individualwasentitled to receiveunderthe PPP. The maximum PPP loan
am ountfora soleproprietorwith no employeeswas$20,833.
PPP loan applicationsw ere processed by participating lenders and third-party 1oan
processors. Ifa PPP 1oan application wasapproved,theparticipating lenderfundedthePPP loan
using itsown monies. W hile itwastheparticipating lenderthatissuedthePPP loan,theloan was
100% guaranteed by the SBA . Data from the application, including infonnation about the
borrower,thetotalnm ountoftheloan,andthelistednumberofem ployees,wastransm itted bythe
lenderto the SBA in the course ofprocessing the loan.
After the lender funded the PPP loan to the borrower, the lender submitted
disbursementdetailsintotheSBA E--
l-ran system ,with serverslocatedin Sterling,VA .TheSBA 'S
D enver Finance Center, located in D enver, Colorado, created paym ent files and authorized
paym ents ofthe PPP processing fee to the lendertllrough the FinancialM anagem entSystem to
theTreasury.Theprimary serverfortheFinancialM anagementSystem wasin Sterling,VA.The
PPP processing fee varied depending on the am ountofthe loan.Once created,the paym entfiles
w ere then transm itted via w ire to the U .S.Treasury disbursing office in K ansas City,M issouri,
which,in tlm z,sent instructions for paym entof funds to the FederalResel've Bank Autom ated
C learing H ouse processing site in EastR utherford,N ew Jersey.
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 4 of 13
TheproceedsofaPPP loan could beused only forcertain specified item s,such as
payrollcosts,costs related to the continuation ofgroup health care benefits,orm ortgage interest
payments for the business. The proceedsof a PPP loan were notperm itted to be used by the
borrowerstopurchaseconsumergoods,automobiles,personalresidences,clothing,orjewelly,to
pay theborrower'spersonalfederalincom etaxes,orto fund theborrower'sordinary day-to-day
living expensesunrelated to the specified authorized expenses.
ThePPP allowed the interestand pzincipalon thePPP loan to beentirely forgiven
ifthe borrowerutilized 60% ofthe loan in the 24 weekspost-disbursementtoward payrollcosts
andutilizedtheremaining40% on qualitiedexpenseitems(e.g.,mortgage,rent,andutilities).
Applying forPPP loan forgivenesswasaseparateprocessthatrequired additional
affirm ations thatthe applicantsatisfied the eligibility forPPP loan forgiveness. W hateverportion
ofthe PPP loan wasnotforgiven w asserviced as a loan.
The E conom ic fa.jl
gr.pDisasterLoanProgram
12. A nother related response to the COV 1D -19 outbreak w as an expansion of an
existing disaster-related program administered by the SBA,theEconomiclnjury DisasterLoan
(çtElDL'') program,to provide loans up to $150,000,and additionaladvance ftmds ofup to
$10,000,forsmallbusinessesexperiencing atemporaly lossofrevenuedue to thepandemic.
Toqualify foran EIDL authorizedby theCARES Act,applicantshadtobe:(1)a
business, cooperative, or agzicultural enterprise w ith 500 or few er em ployees, a faith-based
organization, a private non-profh, a sole proprietorship or an independent contractor; (2)
physically loeated in theUnited Statesoradesignatedterritory;and (3)have sufferedworking
capitallosses due to the C OV ID -19 pandem ic.
4
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 5 of 13
EIDL loan am ountswere based off a zough calculation of the applicant's net
revenuesoverthesix monthspriorto January31,2020. Therough calculation took thedifference
between the previousannualgross revenues and the previous annualcostofgoods sold. That
numberwasdivided by two to determinetheapproved loan amount,up to $150,000.
EID L advance am ounts w ere based off the business's reported num ber of
employeesasofJanuary 31,2020. The SBA provided $1,000 in EIDL advance fundsforeach
employee on theapplicant'spayroll,up to themaximlzm amountof$10,000.
16. EID L proceeds could havebeen used to pay tixed debts,payroll,accountspayable,
and otherbillsofthebusinessthatcould havebeen paid had the disasternotoccurred;however,
such loan proceeds were notintended to replace lostsales orprofits,or for the expansion ofa
business.
U nlike othertypes ofSB A -guaranteed loans,EIDL fundsw ere issued directly from
the United States Treasury,and applicants applied for EID L funds directly tllrough the SBA via
an onlineportaland application. TheEIDL application process,which also used certain outside
contractors for system support,collected inform ation concem ing the business and the business
owner,including infonnation about the gross revenues and costof goods sold for the business
priorto January 31,2020.Applicants electronically certified thatthe information provided was
true and accurate and w ere w arned thatany false statem entorm isrepresentations to the SBA ,or
any m isapplication ofloan proceeds m ay resultin sanctions,including crim inalpenalties.
18. EIDL applicationsw ere received in and processed using com puter servers located
in the states ofIow a,V irginia,and W ashington. EID L disblzrsem entpaym entsw ere initiated by
the SBA using com puter sezvers located in the state of Colorado,w hich transm itted the paym ent
inform ation to the Treasm y using com puter servers located in the state ofV irginia.
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 6 of 13
TheDefendant& Related Entiw
K EIT H M A H LO N D UN K L EY w as a residentofBrow ard County,Florida.
20. GlobalGroup Alliances,LLC wasaregistered Floridabusinessthatwascreated in
or aboutJanualy 2020.KEITH M AHLON DUNK LEY wasthe Chief Executive Officer and
registered agentofG lobalGroup A lliances,LLC.
R elevantLender and L oan Processor
Lender 1 wasan approved lenderofPPP loansand wasbased in FortLee,New
Jersey.
22. Loan Processor 1 was a third-party loan processor, based in Redw ood City,
California,thatprocessed PPP loan applicationsforLender 1.
C ount 1
C onspiracy to Com m itW ire Fraud
(18U.S.C.j371)
The allegations contained in paragraphs 1 through 22 of the GeneralA llegations
section ofthislnform ation are re-alleged and incorporated by refereneeasthough fully setforth
herein.
24. From in oraround July 2020,and continuing through in oraround January 2022,in
Broward County,Florida,in the Southern DistlictofFlorida,and elsewhere,the defendant,
K EITH M A H L ON D U NK LEY,
didwillfully,thatis,withtheintenttofurthertheobjectoftheconspiracy,andknowinglycombine,
conspire,confederate,and agree w ith anotherunknown to the U nited States A ttozney,to com m it
an offense againstthe U nited States,thatis,to know ingly,and w ith the intentto defraud,devise,
and intend to devise,a sohem e and artifice to defraud,and to obtain m oney and property by m eans
of m aterially false and fraudulentpretenses,representations,and promises,knowing that the
6
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 7 of 13
pretenses,representations,andpromiseswerefalseandfraudulentwhenm ade,and,forthepum ose
ofexecuting the schem eand artifice,did know ingly transm itand causeto be transm itted,by m eans
of w ire com m tm ication in interstate com m erce, certain w ritings, signs, signals, pictures and
sotmds,in violation ofTitle 18,United StatesCode,Section 1343.
PURPOSE O F THE CONSPIR ACY
ltw as the pum ose of the conspiracy for the defendant and his co-conspirator to
unjustly enrichthemselvesby,amongotherthings:(a)submittingand causingthesubmission of
false and fraudulentapplicationsforCO V ID-19 relieffunds,including applicationsforaPPP loan
and an EIDL;and (b)offering,paying,and receivingpaymentsin return forthe submission of
false and fraudulentloan applications.
M A NN ER AN D M EA N S O F TH E CO N SPIM CY
Them annerandmeansbywhich thedefendantand hisco-conspiratorsoughtto accom plish
the purpose ofthe conspiracy included,am ong others,the follow ing:
26. K EITH M AH LO N DU N K I,EY and his co-conspirator subm itted and caused to
be subm itted a fraudulent PPP loan application under the nam e of K EITH M A H L O N
DUNK LEY,as a sole proprietor,using the defendant's Social Security Number and e-m ail
address,via interstate w ire com m unications.
K EITH M AH LO N D U NK LEY subm itted and caused the subm ission offalse and
fraudulent inform ation and docum entation in support of the PPP loan application to Loan
Pzocessor1,viainterstatewirecomm unications,includingafalsifiedIntem alRevenueServicetax
fonn ScheduleC forGlobalGroup Alliances,LLC and falseand fraudulentinform ation astothe
borrow er's grossincom e and m ontllly payroll,am ong otherthings.
A sa resultofthe falseand fraudulentPPP loan application subm itled aspartofthis
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 8 of 13
schem e,on oraboutAugust4,2020,Lender1approved PPP loan num ber2151008204 forK EITH
M AH LO N D U NK I,EY ,and disbursed thePPP loan proceeds,via interstate w ire com m unication,
in the approximate am ountof$18,540 to K EITH M AHLON DUNKLEY atJpM organ Chase
Bank accountnum berending in 5715in thenam eofKEITH M M ILON DUNIQLEY.
On oraboutAugust4,2020,K EITH M AH LON DUNKLEY also subm itted and
caused the submission ofan EIDL application to the SBA on behalfofGlobalGroup Alliances,
LLC,which contained materially false and fraudulentinformation asto (1)thebusiness'sgross
revenuesforthe12monthspriortoJanuary 3l,2020,
.and(2)thebusiness'snumberofemployees
asofJanuary 31,2020.
A s a resultof the false and f'
raudulentEID L application subm itted as pal'tofthis
schem e,on oraboutAugust7,2020,the SBA approved EIDL nllmber3532658209 for Global
Group Alliances,LLC and disbursed theloan proceeds,viainterstatewirecomm unication,in the
approxim ateamountof$17,500to TD Bnnkaccountnumberendingin 0161in thenmneofGlobal
Group Alliances,LLC,which wascontrolledby K EITH M AHLON DUNK IUEY .
K EITH M A H L O N DU N K I,EY used the ill-gotten loan proceeds to enrich
himselfand notforqualified expensestmderthePPP and theEIDL program .
O VE RT A C TS
ln furtherance of the conspiracy, and to accom plish its purpose,at least one of the co-
conspiratorscom mitted and caused to be comm itted,in Broward County,Florida,the Southem
DistrictofFlorida,and elsew here,atleastone ofthe following overtacts,am ong others:
32. On July 31,2020,K EITH M AH LO N D UN K LEY subm itted and caused to be
subm itted a PPP loan application from the Southern D istrictofFlorida through Loan Processor 1
using interstatewirecomm unications,which resulted in PPP loan number2151008204.
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 9 of 13
On or about August 4,2020,KEITH M AH LON DUNK LEY subm itted and
caused the submission ofan EIDL application from the Southel'n DistrictofFloridato the SBA,
via interstate wire comm unications,on behalfofGlobalGroup Alliances,LLC,which contained
materially false and fraudulentinformation as to (1)the business'sgrossrevenuesforthe 12
monthspriorto Jatluary 31,2020,
'and(2)thebusiness'snumberofemployeesasofJanualy 31,
2020,using interstatewire comm tmications,which resulted in EIDL number3532658209.
A llin violation ofTitle 18,United StatesCode,Section 371.
FO R FEITU RE A LLEG A TIO N S
The allegations contained in this Infonnation are hereby re-alleged and by this
reference fully incorporated herein forthe purpose of alleging forfeiture to the U nited States of
Am erica of certain property in w hich the defendant,K EIT H M AH L O N D IJN K I,E Y, has an
interest.
2. Upon conviction of a violation of Title 18, United States Code, Section 371,
specifically,a conspiracy to comm itaviolation ofTitle 18,United StatesCode,Section 1343,as
alleged in this Inform ation, the defendant shall forfeit to the United States any property
constituting,orderived from ,proceedsobtained,directly orindirectly,asthe resultofsuch offense,
plzrsuanttoTitle18,UnitedStatesCode,Section982(a)(2)(A).
Ifany ofthepropertysubjecttoforfeittlre,asaresultofany actoromissionofthe
defendant:
cazm otbe located upon the exercise ofdue diligence;
hasbeen transferred or sold to,ordeposited w ith,a third party;
hasbeenplaced beyond thejurisdiction ofthecourt;
d. hasbeen substantially dim inished in value;or
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 10 of 13
has been com mingled with other property which carm ot be divided without
diftk ulty,
the United States shallbe entitled to the forfeiture of substitute property underthe provisions of
Title21,UnitedStatesCode,Section8534.19.
AllpursuanttoTitle 18,UnitedStatesCode,Section982(a)(2)(A),andtheproceduresset
forth atTitle 21,U nited StatesCode,Section 853,asincorporated by Title 18,United StatesCode,
Section 982(b)(1).
-
/n- ' *>
M A RKEN LA PO INTE
UN ITED STA TES A TTORN EY
TREV O .JONES
A SSISTA N T UN ITED STA TES A TTO RN EY
10
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 11 of 13
UNITED STATES DISTRICT C O URT
SO UTH ERN D ISTRIC T O F FLOR ID A
UN ITED STATES O F AM ERICA CA SE N O .:
V.
CERTIFICA TE OF TR IAL A TTO RNEY
KEITH M AHLON DUNKLEY,
/ Superseding Case lnform ation:
Defendant. New Defendantts)(YesorNo)
CourtDivision(selectone) N um berofN ew D efendants
EEIM iami r Key W est L FTP Totalnum berofcounts
E FTL L W PB
1do hereby certify that:
1. lhave carefully considered the allegations ofthe indictm ent,the numberofdefendants,the num berofprobable
witnessesandthelejalcomglexitiesofthelndictment/lnformationattachedhereto.
1am awarethatthe lnformatlon supplied on thisstatementwillberelied upon by theJudgesofthisCourtin setting
theircalendarsandschedulingcriminaltrialsunderthemandateoftheSpeedyTrialAct,Title28U.S.C.j3161.
lnterpreter:(YesorNo)No
Listlanguageand/ordialect:
Thiscase willtake 0 daysforthepartiestotry.
Please check appropriate category and type ofoffense listed below :
(Check onlyone) (Check onlyone)
I l 0to 5 days ElPetty
11 r 6to 10 days D M inor
IIl L 11to20 days L M isdem eanor
IV L 21to 60 days S Felony
v n 61daysandover
HasthiscasebeenpreviouslyfiledinthisDistrictCourt?(YesorNo)NO
lfyes,Judge Case N o.
Hasacomplaintbeenfiledinthismatter?(YesorNo)No
Ifyes,M agistrate CaseN o.
8. DoesthiscaserelatetoapreviouslyfiledmatterinthisDistrictCourt?(YesorNo)N0
Ifyes,Judge CaseN o.
9. Defendantts)infederalcustodyasof
10. Defendantts)instatecustodyasof
ll. Rule 20 from the D istrictof
12. Isthisapotentialdeath penalty case?(YesorNo)N o
13. Doesthiscase originate from a m atterpending in the Northern Region oftheU .S.Attorney'sOffice
priortoAugust8,2014(Mag.JudgeShaniekMaynard?(YesorNo)No
Doesthiscase originate from a m atterpending in the CentralRegion ofthe U .S.Attorney's Office
priortoOctober3,2019(M ag.JudgeJaredStrauss?(YesorNo)No
Didthism atterinvolvetheparticipation oforconsultationwithnow M agistrateJudgeEduardo1.Sanchez
during histenure atthe U.S.A ttorney'sOffice,which concluded on January 22,2023:
/NO
By:
Trevor .Jones
AssistantUnit tatesA ttorney
FL BarN o. 0092793
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 12 of 13
U N ITED STATE S D ISTR ICT C O U RT
SO U TH ERN D ISTR ICT OF FL O RID A
PEN A LTY SHEET
D efendant'sN am e:KEITH M A H LON D UN K LEY
Count#:1
Conspiracy to Com mitW ireFraudaTitle 18sUnited StatesCodepSection 371
* M ax.T erm oflm prisonm ent:5 years
*M andatoryM in.Term oflmprisonment(ifapplicable):n/a
* M ax.Supervised R elease:3 years
*M ax.Fine:$250,000
*Refers only to possibleterm ofincarceration,supervised releaseand fines. Itdoesnotindude
restitution,specialassessm ents,paroleterm s,or forfeituresthatm ay beapplicable.
Case 0:23-cr-60197-RS Document 1 Entered on FLSD Docket 10/06/2023 Page 13 of 13
AO455(Rev,01/09)Waiverofanlndi
ctment C.
U NITED STATESD ISTRICT COURT
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southernDistrictofFlorida AckutlsExosu:'
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United StatesofAmerica
v. caseNo. 23-60197-CR-SM lTH /V ALLE
KEITH MAHLON DUNKLEY'
W AW ER OF AN INDICTM ENT
IunderstandthatIhavebeen accused ofoneormoreoffensespunishableby imprisonmentformorethan one
year. Iwasadvisedin opencourtofmy rightsandthenatureoftheproposed chargesagainstme.
Afterreceiving thisadvice,Iwaivemy rightto prosccution by indictm entandconsentto prosecution by
inform ation.
De#ndant'
sJfpl
tz/zfre
Signatureofde#ndant'
sattorney
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Printednamet.l #afJn/'
sattorney
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ssignature
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sprinted nameandtitle
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