We didn’t learn financial forensics in a comfortable corporate boardroom. Our firm was built on a foundation of tactical, street-level warfare—forged by years in law enforcement, corrections, and specialized gang unit operations. When we shifted to financial intelligence, we brought that exact same relentless edge with us. Backed by Certified Insurance Fraud Investigator (CIFI) credentials, we know exactly how criminal syndicates operate, how they obfuscate their tracks, and how to burn their structures to the ground.
We have dismantled multi-million dollar fraud rings, operating on the front lines of high-profile cases. We conducted an extensive investigation and lifestyle audit of the board that defrauded potential owners at the Grand Palisades resort, and executed an independent public corruption and fraud investigation into the Seminole County Tax Collector’s office.
But at our core, Zelaya Risk exists for one specific reason: to give the underdog a very heavy stick. When arrogant condo boards, predatory developers, or crooked management companies try to bleed you dry by hiding behind high-priced lawyers and fabricated ledgers, we step into the ring. We track the capital, expose the lies, and hand you the weaponized facts you need to take your power back.
When corrupt boards or trusted insiders siphon off your community accounts, they always leave a trace. We tear apart vendor kickback schemes, expose rigged contracts, and document environmental crimes—from illegal dumping to toxic negligence. We hand homeowners the hard evidence needed to unseat bad actors, recover stolen reserve funds, and initiate prosecution.
When a fraudulent general contractor or rogue business partner tries to vanish with your capital, they bury it deep in offshore shells and manipulated records. We cut through the obfuscation. We hunt down hidden accounts, map the true ownership architecture, and arm your legal counsel with the leverage to force a decisive resolution.
Whether you are defending against an indictment or going on the offensive to dismantle a fraud ring, we see what the opposition missed. We execute the targeted field investigations required to expose unfair and deceptive trade practices, breaking down the math to establish the ironclad evidence needed to support civil racketeering (RICO) litigation.
Leveraging our CIFI credentials and extensive field experience, we consult directly with self-insured businesses, private carriers, and defense attorneys. We dissect complex, organized insurance fraud schemes, staged losses, and phantom vendor rings to protect working capital from predatory claims.