{"id":4343,"date":"2026-06-06T18:36:31","date_gmt":"2026-06-06T18:36:31","guid":{"rendered":"https:\/\/zic.legal\/?page_id=4343"},"modified":"2026-06-07T16:35:45","modified_gmt":"2026-06-07T16:35:45","slug":"frauda-bancara","status":"publish","type":"page","link":"https:\/\/zic.legal\/ro\/arii-de-practica\/frauda-bancara\/","title":{"rendered":"Avocat fraud\u0103 bancar\u0103"},"content":{"rendered":"<style>\n.zic-pp{--v:#8980f5;--vd:#4a2d7e;--cy:#00baba;background:#323232;color:#ece9f3;border-radius:18px;overflow:hidden;max-width:1080px;margin:28px auto;font-family:'Euclid Flex Regular',-apple-system,Segoe UI,sans-serif;line-height:1.6}\n.zic-pp *{box-sizing:border-box}\n.zic-pp a{color:var(--v);text-decoration:none;border-bottom:1px solid rgba(137,128,245,.45)}\n.zic-pp a:hover{color:#fff;border-color:#fff}\n.zic-pp .pp-hero{padding:64px 48px 46px}\n.zic-pp 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a:hover{color:#211f27;border-color:#211f27}\n.zic-pp.light .kick{color:#6b6580}\n.zic-pp.light h1{color:#1d1a26}\n.zic-pp.light h1 .dot,.zic-pp.light .pp-cta h2 .dot{color:#308c97}\n.zic-pp.light .sub,.zic-pp.light .steps p,.zic-pp.light .faq p,.zic-pp.light .pp-cta p,.zic-pp.light .creds{color:#55506a}\n.zic-pp.light .tel{color:#5f5a76}\n.zic-pp.light .lab,.zic-pp.light .nap .b{color:#4a2d7e}\n.zic-pp.light a:focus-visible,.zic-pp.light .cta:focus-visible,.zic-pp.light summary:focus-visible{outline-color:#4a2d7e}\n.zic-pp.light .faq summary::after{color:#308c97}\n.zic-pp.light .list .it{border-top-color:rgba(74,45,126,.14)}\n.zic-pp.light .list .it:last-child{border-bottom-color:rgba(74,45,126,.14)}\n.zic-pp.light .list .nu{color:#8a85a0}\n.zic-pp.light .list p,.zic-pp.light .nap p{color:#2c2838}\n.zic-pp.light .list .ref,.zic-pp.light .steps .n,.zic-pp.light .ti{color:#308c97}\n.zic-pp.light .pp-author{background:rgba(137,128,245,.07)}\n.zic-pp.light .creds a{color:#4a2d7e;border-color:#308c97}\n.zic-pp.light .faq details{border-top-color:rgba(74,45,126,.14)}\n.zic-pp.light .faq details:last-child{border-bottom-color:rgba(74,45,126,.14)}\n.zic-pp.light .card{border-color:rgba(74,45,126,.18);border-bottom-color:rgba(74,45,126,.18)}\n.zic-pp.light .card:hover{border-color:#8980f5;background:rgba(137,128,245,.06)}\n.zic-pp.light .card h3 a{color:#1d1a26}\n\/* ---- Guard: Avada sets a{color:var(--awb-color)!important} globally; re-assert our colors ---- *\/\n.zic-pp.dark a{color:#8980f5!important}\n.zic-pp.light a{color:#4a2d7e!important}\n.zic-pp.dark .cta,.zic-pp.light .cta,.zic-pp .cta:hover{color:#fff!important}\n.zic-pp.dark .tel a{color:#9a95b0!important}\n.zic-pp.light .tel a{color:#5f5a76!important}\n.zic-pp.dark .creds a{color:#cfcadf!important}\n.zic-pp.light .creds a{color:#4a2d7e!important}\n.zic-pp.dark .card h3 a{color:#ece9f3!important}\n.zic-pp.light .card h3 a{color:#1d1a26!important}\n.zic-pp.dark .faq a,.zic-pp.dark .list a{color:#8980f5!important}\n.zic-pp.light .faq a,.zic-pp.light .list a{color:#4a2d7e!important}\n\/* Avada forces heading colors with !important; re-assert ours so dark-theme titles aren't invisible *\/\n.zic-pp.dark h1,.zic-pp.dark h2,.zic-pp.dark h3,.zic-pp.dark h4{color:#ece9f3!important}\n.zic-pp.light h1,.zic-pp.light h2,.zic-pp.light h3,.zic-pp.light h4{color:#1d1a26!important}\n.zic-pp h1 .dot,.zic-pp.dark .pp-cta h2 .dot{color:#00baba!important}\n.zic-pp.light h1 .dot,.zic-pp.light .pp-cta h2 .dot{color:#308c97!important}\n.zic-pp .nm{color:#ece9f3!important}\n.zic-pp.light .nm{color:#1d1a26!important}\n.zic-pp .ph{overflow:hidden}.zic-pp .ph img{width:100%;height:100%;object-fit:cover;display:block}.zic-pp .prof{display:inline-block;margin-top:16px;font-family:monospace;font-size:13px;letter-spacing:.04em}<\/style>\n<div class=\"zic-pp light\">\n<section class=\"pp-hero\">\n<div class=\"kick\">Practice area \u00b7 banking &amp; financial fraud<\/div>\n<h1>Bank fraud<span class=\"dot\">.<\/span><\/h1>\n<p class=\"sub\">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&#8217;s office and the courts. We also act for victims who want to recover their loss.<\/p>\n<div class=\"act\"><a class=\"cta\" style=\"color:#fff!important\" href=\"https:\/\/wa.me\/40748149840?text=Bun%C4%83%20ziua%2C%20a%C8%99%20dori%20o%20consulta%C8%9Bie.\" target=\"_blank\" rel=\"noopener\">Book a consultation on WhatsApp \u2192<\/a><span class=\"tel\">or call \u00b7 <a href=\"tel:+40748149840\">+40 748 149 840<\/a><\/span><\/div>\n<\/section>\n<section class=\"pp-sec\">\n<div class=\"lab\">When you need a lawyer<\/div>\n<div class=\"list\">\n<div class=\"it\">\n<div class=\"nu\">01<\/div>\n<div>\n<p>You are investigated for credit, financing or banking fraud<\/p>\n<\/div>\n<\/div>\n<div class=\"it\">\n<div class=\"nu\">02<\/div>\n<div>\n<p>Bank accounts were accessed without authorisation or used for fraud (card fraud, phishing)<\/p>\n<\/div>\n<\/div>\n<div class=\"it\">\n<div class=\"nu\">03<\/div>\n<div>\n<p>You are accused of computer fraud (art. 249) or deception (art. 244)<\/p>\n<\/div>\n<\/div>\n<div class=\"it\">\n<div class=\"nu\">04<\/div>\n<div>\n<p>You are the victim of a banking or online fraud and want to recover the loss<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"pp-sec\">\n<div class=\"lab\">How we work<\/div>\n<div class=\"steps\">\n<div class=\"st\">\n<div class=\"n\">\/01<\/div>\n<h4>Technical &amp; financial analysis<\/h4>\n<p>We examine the transactions, the systems involved and the integrity of the electronic evidence.<\/p>\n<\/div>\n<div class=\"st\">\n<div class=\"n\">\/02<\/div>\n<h4>Procedural review<\/h4>\n<p>We review warrants, requests for account data and the chain of custody of the evidence.<\/p>\n<\/div>\n<div class=\"st\">\n<div class=\"n\">\/03<\/div>\n<h4>Defence or recovery<\/h4>\n<p>We challenge the legal classification, or act on the criminal side and on recovering the victims&#8217; losses.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"pp-author\">\n<div class=\"ph\"><img decoding=\"async\" src=\"https:\/\/zic.legal\/wp-content\/uploads\/2025\/03\/Zlati_Close_Up-150x150.jpg\" alt=\"av. dr. George Zlati\" loading=\"lazy\" width=\"88\" height=\"88\"><\/div>\n<div>\n<div class=\"nm\">George M.R. Zlati<\/div>\n<div class=\"ti\">Partner \u00b7 economic and computer crime \u00b7 PhD in law<\/div>\n<div class=\"creds\"><span>Author, <a href=\"https:\/\/www.editurasolomon.ro\/produs\/tratat-de-criminalitate-informatica-vol-i\/\" target=\"_blank\" rel=\"noopener\">Treatise on Cybercrime<\/a><\/span><span>Cited as an authority in binding \u00ceCCJ rulings<\/span><span>INM trainer<\/span><span>Vintil\u0103 Dongoroz Award 2020<\/span><\/div>\n<p><a class=\"prof\" href=\"https:\/\/zic.legal\/team\/zlatigeorge\/\">Full profile \u2192<\/a><\/div>\n<\/section>\n<section class=\"pp-sec\">\n<div class=\"lab\">Frequently asked questions<\/div>\n<div class=\"faq\">\n<details open>\n<summary>Is unauthorised access to a bank account a crime?<\/summary>\n<p>Yes. It can engage illegal access to a computer system (art. 360) and computer fraud (art. 249). How &#8216;access without right&#8217; is defined is often the decisive point of the defence. <a href=\"https:\/\/zic.legal\/arii-de-practica\/criminalitate-informatica\/\">See our cybercrime practice<\/a>.<\/p>\n<p> <a href=\"https:\/\/zic.legal\/fraude-si-infractiuni-bancare\/\">See an overview of banking fraud offences<\/a>.<\/details>\n<details>\n<summary>I&#8217;m accused of credit or financing fraud: what is at stake?<\/summary>\n<p>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.<\/p>\n<\/details>\n<details>\n<summary>Card fraud or phishing: who is liable?<\/summary>\n<p>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.<\/p>\n<\/details>\n<details>\n<summary>Can a victim recover the money?<\/summary>\n<p>Recovery depends on tracing the funds and on early precautionary measures. We act on the criminal side and on asset recovery. <a href=\"https:\/\/zic.legal\/arii-de-practica\/spalare-de-bani\/\">See how funds are traced in laundering cases<\/a>. <a href=\"https:\/\/zic.legal\/fraude-bancare-cand-poate-fi-obligata-banca-sa-iti-restituie-banii\/\">When a bank can be ordered to refund you<\/a>.<\/p>\n<p> <a href=\"https:\/\/zic.legal\/crypto-scam-fraude-investitionale-monede-virtuale\/\">See how crypto investment scams operate<\/a>.<\/details>\n<\/div>\n<\/section>\n<section class=\"pp-sec\">\n<div class=\"lab\">Related areas<\/div>\n<div class=\"cards\">\n<div class=\"card\">\n<h3><a href=\"https:\/\/zic.legal\/arii-de-practica\/criminalitate-informatica\/\">Cybercrime &amp; crypto<\/a><\/h3>\n<\/div>\n<div class=\"card\">\n<h3><a href=\"https:\/\/zic.legal\/arii-de-practica\/drept-penal-al-afacerilor\/\">White-collar crime<\/a><\/h3>\n<\/div>\n<div class=\"card\">\n<h3><a href=\"https:\/\/zic.legal\/arii-de-practica\/spalare-de-bani\/\">Money laundering<\/a><\/h3>\n<\/div>\n<div class=\"card\">\n<h3><a href=\"https:\/\/zic.legal\/avocat-drept-penal-cluj-napoca\/\">Criminal lawyer in Cluj-Napoca<\/a><\/h3>\n<\/div>\n<div class=\"card\">\n<h3><a href=\"https:\/\/zic.legal\/arii-de-practica\/aparare-dna-diicot-eppo\/\">DNA, DIICOT &amp; EPPO defence<\/a><\/h3>\n<\/div>\n<div class=\"card\">\n<h3><a href=\"https:\/\/zic.legal\/arii-de-practica\/\">All practice areas<\/a><\/h3>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"pp-cta\">\n<h2>Don&#8217;t wait for the first hearing<span class=\"dot\">.<\/span><\/h2>\n<p>Who assists you from day one matters.<\/p>\n<p><a class=\"cta\" style=\"color:#fff!important\" href=\"https:\/\/wa.me\/40748149840?text=Bun%C4%83%20ziua%2C%20a%C8%99%20dori%20o%20consulta%C8%9Bie.\" target=\"_blank\" rel=\"noopener\">Message us on WhatsApp \u2192<\/a><\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Practice area \u00b7 banking &amp; financial fraud 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&#8217;s office and the courts. We also act for victims who want to recover their loss. Book a consultation  [&#8230;]<\/p>\n","protected":false},"author":8,"featured_media":0,"parent":4252,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4343","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Avocat fraud\u0103 bancar\u0103 | ZIC Legal<\/title>\n<meta name=\"description\" content=\"Avocat specializat \u00een fraud\u0103 bancar\u0103: ap\u0103rare \u0219i recuperare \u00een cauze de fraude cu carduri, pl\u0103\u021bi \u0219i conturi bancare. 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