Money laundering charges are among the most serious federal offenses a financial professional in Florida can face. These allegations often involve complex financial transactions, multi-agency investigations, and the possibility of long prison sentences.
At Trombley & Hanes in Tampa, our Hillsborough County criminal defense attorneys include former federal and state prosecutors who understand precisely how the government builds these cases. That experience gives our clients a valuable strategic edge in defending against allegations of laundering illicit funds through legitimate channels.
The Government Focuses On Intent and Financial Movement
To secure a conviction for money laundering, federal prosecutors must prove that the accused knowingly engaged in financial transactions designed to conceal the origin, ownership, or control of funds derived from unlawful activity. This means the case often hinges not only on the flow of money but also on intent—what the person knew and why they structured transactions a certain way.
Financial professionals, such as bankers, brokers, or accountants, can be targeted by the government if they are believed to have facilitated or overlooked suspicious activity.
The prosecution may attempt to show that the defendant:
- Structured transactions to avoid reporting thresholds.
- Failed to file required reports, such as Suspicious Activity Reports (SARs).
- Used shell companies or layered transfers to obscure the source of funds.
- Actively concealed ownership or involvement in transactions.
Even if the professional did not personally benefit from the crime, prosecutors may argue that they knowingly participated or ignored warning signs.
Investigations Often Begin with Financial Institutions and Regulatory Reports
Money laundering cases rarely begin with a dramatic arrest. They usually start with quiet investigations triggered by bank reporting requirements. Federal law requires financial institutions to report large cash transactions and suspicious activity to the Financial Crimes Enforcement Network (FinCEN). These reports may lead to further investigation by the Department of Justice (DOJ), the FBI, the IRS Criminal Investigation, or other federal agencies.
For financial professionals, this means they may be under investigation long before they are aware. A subpoena for documents, a target letter, or contact from federal agents may be the first sign that prosecutors are building a case. These early moments are critical—what you say or provide can shape the direction of the investigation.
Prosecutors Build Cases Using Digital Records and Insider Testimony
Federal prosecutors rely heavily on detailed records in financial crime cases. Emails, wire transfer logs, internal communications, and audit trails can all be used to suggest knowledge or intent. If a cooperating witness—such as a client, co-worker, or another professional—agrees to testify, their statements may also play a central role.
The government often uses conspiracy charges to tie multiple individuals to a broader scheme, even if each person played a limited role. That means you can be charged even without direct involvement in the underlying criminal activity, as long as the government claims you helped facilitate or conceal the proceeds.
Early Legal Representation Is Critical in Money Laundering Cases
If you are a financial professional under investigation for money laundering or related offenses, securing experienced legal counsel immediately is essential. At Trombley & Hanes, we bring decades of state and federal courtroom experience to your defense. Contact our Tampa office today at 813-229-7918 or online to schedule a confidential consultation and begin protecting your reputation and future
