Matthew Cox | Inside True Crime Podcast Bank Teller Steals $20M | Queen Of Credit Card Fraud
Jan 4, 2026
A former bank teller, Ronnie, shares her jaw-dropping tale of pulling off a massive credit card fraud scheme, snagging millions before her luck ran out. She reveals clever tactics like memorizing elderly clients' accounts and using fake IDs to manipulate the system. After narrowly escaping an audit, she pivoted to a cash advance scheme and developed a crew to help her hit banks across the country. As the feds closed in, her story spirals into arrests, prison life, and her struggle for redemption with a new fitness business after release.
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Prefab Slips And Hometown Recruits
- Ronnie described recruiting neighborhood people to withdraw $8,000–$9,000 using slips she prepared.
- She handed them prefilled withdrawal slips, processed transactions at the teller window, and gave them the cash.
Rapport Creates Invisible Vulnerabilities
- Ronnie leveraged rapport with elderly customers and memorized account details to exploit dormant accounts.
- Familiarity and limited customer access to statements made large, unnoticed withdrawals feasible.
Separate Duties To Stop Inside Theft
- Avoid concentrating duties: Ronnie was teller and bulk/vault custodian, which gave her unchecked control.
- Enforce separation of duties and audit access to cash and paperwork to reduce internal fraud risk.