Private Investigations & Financial Intelligence — Florida & D.C.
We didn't learn financial forensics in a corporate boardroom. This firm was built on years in law enforcement, corrections, and specialized gang unit work — and when we moved into financial intelligence, that same relentless approach came with us. Our lead investigators hold Certified Insurance Fraud Investigator (CIFI) credentials and know exactly how these schemes get built, hidden, and unwound.
We've dismantled multi-million dollar fraud rings on the front lines of high-profile cases — including a full lifestyle audit of the board behind the Grand Palisades resort ownership scheme, and an independent public corruption investigation into the Seminole County Tax Collector's office.
At the core, Zelaya Risk exists for one reason: to give the outmatched side real leverage. When a condo board, developer, insurer, or agency hides behind lawyers and paperwork, we go get the facts they don't want found — and hand them to you.
Seven case types make up most of what comes through our door. If yours isn't listed, ask — we take on plenty of work that doesn't fit neatly in a box.
File 01
When a board or a trusted insider siphons off community funds, they leave a trail. We unravel vendor kickback schemes, rigged contracts, and environmental negligence, and hand homeowners the evidence needed to unseat bad actors, recover reserve funds, and pursue prosecution.
File 02
When a contractor or business partner tries to disappear with your money, it usually ends up in offshore shells and manipulated records. We trace hidden accounts, map real ownership, and arm your attorney with the leverage to force a resolution.
File 03
Before you sign with a partner, vendor, or acquisition target, we verify who they actually are. We surface hidden liabilities, undisclosed litigation, and reputational risk before it becomes your problem instead of theirs.
File 04
Whether you're defending against an indictment or building a case to take one down, we find what others missed. We run the field investigations and build the evidentiary record needed to support civil RICO litigation and complex fraud claims.
File 05
Staged injuries and phantom vendor rings drain real money from businesses and carriers. We investigate suspicious claims on the ground — surveillance-adjacent fieldwork included only as part of a broader claim investigation, not as a standalone service.
File 06
This isn't a whodunit service. When a case goes cold, we review the file to determine what went wrong and who let it happen — missed leads, mishandled evidence, or a department that stopped trying. Built for families and oversight counsel seeking accountability, not amateur detective work.
File 07
Drawing on our CIFI credentials, we consult directly with self-insured businesses, carriers, and defense attorneys to dissect organized insurance fraud schemes and protect working capital from predatory claims.
Most calls start with a straight answer about whether we're the right fit — no pressure, no retainer required to ask.
Clear proof for complex problems.