Bank fraud.
Defence and representation in banking and financial fraud cases: deception (art. 244), computer fraud (art. 249), forgery and unauthorised access to accounts, before the prosecutor’s office and the courts. We also act for victims who want to recover their loss.
When you need a lawyer
You are under investigation for credit, financing or banking fraud
Bank accounts were accessed without authorisation or used for fraud (card fraud, phishing)
You are accused of computer fraud (art. 249) or deception (art. 244)
You are the victim of a banking or online fraud and want to recover the loss
How we work
Technical & financial analysis
We examine the transactions, the systems involved and the integrity of the electronic evidence.
Procedural review
We review warrants, requests for account data and the chain of custody of the evidence.
Defence or recovery
We challenge the legal classification, or act on the criminal side and on recovering the victims’ losses.
Who represents you
Dr George Zlati is a partner at ZIC Legal (Zlati Ionescu Chiperi SCA), based in Cluj-Napoca and practising nationwide. As counsel, he drafted and argued the constitutional challenges upheld by the Constitutional Court in Decisions no. 87/2019 and no. 233/2021, and in 2020 he received the “Vintilă Dongoroz” Prize of the Union of Jurists of Romania.
- Author, Treatise on Cybercrime
- Cited in binding ÎCCJ rulings
- External collaborator, INM
- Vintilă Dongoroz Award 2020
- Corruption & abuse-of-office offences
- Cybercrime
- Economic offences
- LL.M. criminal sciences (top of class)
Frequently asked questions
Is unauthorised access to a bank account a crime?
Yes. It can amount to illegal access to a computer system (art. 360) and computer fraud (art. 249). How ‘access without right’ is defined is often the decisive point of the defence. See our cybercrime practice.
I’m accused of credit or financing fraud: what is at stake?
Such cases turn on intent and on the documents used. The line between a civil default and criminal deception is often the heart of the defence.
Card fraud or phishing: who is liable?
Liability depends on how the fraud was carried out and on the diligence of the bank and the user. The technical reconstruction of the transaction is usually decisive.
Can a victim recover the money?
Recovery depends on tracing the funds and on early precautionary measures. We act on the criminal side and on asset recovery. See how funds are traced in laundering cases. See when a bank can be ordered to refund you.
Related areas
Don’t wait for the first hearing.
Who assists you from day one matters.