波多黎各Nodus银行前首席执行官认罪，骗取2490万美元并致银行倒闭
2026年3月20日，美国司法部宣布，波多黎各国际银行 Nodus International Bank 的前首席执行官 Tomás Niembro Concha 已于前一天认罪。这名64岁、住在佛罗里达州迈阿密的银行家承认领导了一场从该行骗取至少2,490万美元的计划，并合谋规避美国对委内瑞拉的制裁，Nodus 银行最终于2023年倒闭并被波多黎各金融机构专员办公室（OCIF）接管清算。
法庭文件显示，2017年至2023年间，Niembro 与董事会主席 Juan Ramirez 等人瞒着董事会其他成员与监管机构，让银行把1,100万美元投进一家迈阿密贷款机构，资金实际供两人自用；2018年1月至2021年9月间，又诱使银行从两人共同拥有的 Nodus Finance 买下至少47张本票、总额约2,530万美元，款项供自己使用。2023年3月初监管机构通知银行将被清算后，两人仍让银行接收 Nodus Finance 的贷款组合来冲抵这批本票的债务。
制裁部分发生在2021年至2023年间：Niembro 与一名因向委内瑞拉国家石油公司（PDVSA）提供支持而被美国财政部外国资产控制办公室列入特别指定国民名单的人合谋，先经授权查封其在纽约州 Southampton 的住宅冲抵约250万美元贷款，再私下约定通过一家掩护公司以400万美元把房产卖回给对方，这一步未经许可、为制裁所禁止。
Niembro 对两项指控认罪：合谋电信诈骗与合谋违反《国际紧急经济权力法》，每项最高可判20年监禁；按认罪协议，他同意没收至少1,690万美元。量刑定于6月8日进行。此案由国税局刑事调查局调查。
Former CEO of Puerto Rico's Nodus Bank Pleads Guilty to $24.9 Million Fraud That Sank the Bank
On March 20, 2026, the U.S. Department of Justice announced that Tomás Niembro Concha, the former chief executive officer of Nodus International Bank, a Puerto Rican international bank, had pleaded guilty the day before. Niembro, 64, of Miami, Florida, admitted leading a scheme to fraudulently obtain at least $24.9 million from the bank and conspiring to evade U.S. sanctions against Venezuela; Nodus failed in 2023 and was placed into liquidation by Puerto Rico's Office of the Commissioner of Financial Institutions (OCIF).
According to court filings, from 2017 to 2023 Niembro, Board Chairman Juan Ramirez and others concealed from the board and the regulator that the bank invested $11 million in a Miami-based lender so the funds could be loaned to Niembro and Ramirez for their own benefit. Between January 2018 and September 2021, they also induced the bank to buy at least 47 promissory notes totaling about $25.3 million from Nodus Finance, a Miami company the two jointly owned, and used the proceeds themselves. After the regulator gave notice in early March 2023 that the bank would be liquidated, they caused the bank to accept a loan portfolio from Nodus Finance to pay down the notes' debt.
The sanctions leg ran from 2021 to 2023: Niembro conspired with an individual designated as a Specially Designated National by the Treasury Department's Office of Foreign Assets Control for supporting Venezuela's state oil company, PDVSA. They arranged an authorized foreclosure on the individual's Southampton, New York, home to satisfy an outstanding loan of about $2.5 million, then privately agreed to have the bank sell the property back to the individual for $4 million through a front company, a transaction prohibited by sanctions and not licensed by OFAC.
Niembro pleaded guilty to a two-count information charging conspiracy to commit wire fraud and conspiracy to violate the International Emergency Economic Powers Act, each carrying a maximum of 20 years in prison. Under his plea agreement he agreed to forfeit at least $16.9 million. Sentencing was scheduled for June 8. IRS Criminal Investigation investigated the case.
来源：美国司法部
发布：GSM·美国（发布链接）
图片来源：图：位于华盛顿的美国司法部总部罗伯特·肯尼迪大楼夏日全貌，本案由司法部刑事司与佛罗里达南区联邦检察官办公室起诉。Ajay Suresh 摄，CC BY 2.0，经 Wikimedia Commons；联邦固定图库。 / Photo: The Robert F. Kennedy Department of Justice Building in Washington in summer; this case was prosecuted by the Justice Department's Criminal Division and the U.S. Attorney's Office for the Southern District of Florida. Photo by Ajay Suresh, CC BY 2.0, via Wikimedia Commons; federal fixed image library.
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