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U.S. Attorney Louis D. Lappen announced Friday that Kimberly O’Toole of Downingtown was charged with four counts of wire fraud. The 49-year-old allegedly engaged in an embezzlement scheme in which, from 2012 to 2013, she stole more than $194,000 from her employer, Miwon North America. O’Toole’s husband was the President and General Manager at Miwon, where she had accounting and bookkeeping duties. In that role, she allegedly opened a fraudulent bank account in the company’s name that only she knew about and controlled. O’Toole then intercepted checks paid to Miwon by its customers, and deposited those checks into the sham bank account that she controlled. She later withdrew the funds she embezzled for her own personal use, including to make mortgage payments for her personal residence in Downingtown, and to pay her cable bill. When Miwon officials detected her fraud, O’Toole tried to cover-up the fraud by accessing the email account of a co-worker, without the co-worker’s knowledge or permission, in an effort to deceive company officials as to the truth about her embezzlement scheme. Separately, during the same time period O’Toole – who also had HR duties at Miwon, and thus had access to the company’s employees’ personnel files – stole the identity of a co-worker. Using that co-worker’s stolen identity, O’Toole allegedly took out three fraudulent Wells Fargo college loans on behalf of two of her children, who attended Penn State University and North Carolina State University, respectively. This was done without the knowledge or consent of the victim. The total amount of the fraudulent loans obtained by O’Toole using the victim’s stolen identity totaled approximately $104,500. If convicted, O’Toole, who currently works for Habitat for Humanity of Chester County, faces a maximum sentence of 80 years in state prison along with a fine up to $1 million. The case was investigated by the FBI and the U.S. Postal Inspection Service.