Digital Intelligence & Investigations — Florida & D.C.
At the core, this is an analyst's job — finding people, tracing money, and putting together facts that don't look connected until you've done the work. That instinct was built on years in law enforcement, corrections, and specialized gang unit work, and it carried straight over when we moved into investigations. Our lead investigators hold Certified Insurance Fraud Investigator (CIFI) credentials and know how schemes get built, hidden, and unwound — whether the target is a single family or a multi-million dollar operation.
We've handled cases at both ends of that scale — 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. But most of what comes through the door is smaller and just as personal: a homeowner, a small business, a family trying to get a straight answer.
Zelaya Risk exists for one reason: to give the outmatched side real leverage. When a board, a scammer, a partner, or an agency is counting on you not having the time or expertise to dig — we go get the facts they don't want found, and hand them to you.
Eight case types make up most of what comes through our door. If yours isn't listed, ask — we're a full-service investigations and intelligence firm, and we take on plenty of work that doesn't fit neatly in a box.
File 01
When a scam, a predatory lender, or a bad actor targets you directly, most firms won't take a case this size. We will. We trace where the money went, identify who's really behind it, and build documentation you can hand to a bank, a regulator, or a courtroom.
File 02
When a board or a trusted insider siphons off community funds, they leave a trail. We unravel vendor kickback schemes and rigged contracts, and hand homeowners the evidence needed to unseat bad actors and recover reserve funds.
File 03
Before you enter a partnership, a lease, or a relationship with a name you found online, know who you're actually dealing with. We build verified background and digital-footprint reports so you're deciding on facts, not a hunch.
File 04
In a divorce, a business dispute, or a falling-out between partners, money doesn't disappear — it moves. We locate hidden accounts, property, and undisclosed assets, and hand your attorney a paper trail they can act on.
File 05
Drawing on our CIFI credentials, we investigate suspicious claims and consult directly with self-insured businesses, carriers, and defense attorneys — dissecting staged losses and organized fraud schemes to protect what's actually owed.
File 06
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 07
Whether you're defending against an indictment or building a case to take one down, we find what others missed. We build the evidentiary record needed to support civil RICO litigation and complex fraud claims.
File 08
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.
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.