She also was ordered to pay $451,064 in restitution to five credit unions and four banks.

A federal judge also granted a $938,020 forfeiture money judgement against Conley because some of the fraudulent loans were secured by collateral – boats or automobiles – that she did not own.

Conley created fictitious lien releases for boats or automobiles, using the notarized signature of unwitting financial institution employees, prosecutors said.

According to court records, Conley then caused the bogus lien releases that were filed with the Oklahoma Tax Commission, which in turn provided her with titles to the collateral free and clear of any liens.

With this collateral she did not own, Conley fraudulently obtained $938,020 in loans, according to prosecutors.

Conley also carried out the loan fraud scheme using forged earnings statements, which she provided to credit unions and banks as proof of income. Those fake documents showed she held positions such as manager and CFO and made a salary of $200,000 or more annually at CFS2, a Tulsa-based company that helps consumers eliminate debt. Although she worked at CFS2, she was fired in 2014 and never earned more than $60,000.

Court documents showed Conley owes restitution to the $697 million Oklahoma Central Credit Union in Tulsa ($118,757); the $5.9 billion Tinker Federal Credit Union in Oklahoma City ($105,224); the $31.3 million First Oklahoma Federal Credit Union in Tulsa ($55,548); the $259 million Red Crown Credit Union in Tulsa ($39,770), the $192 million Western Sun Federal Credit Union in Broken Arrow, Okla. ($18,414); First Pryority Bank in Tulsa ($31,559); Grand Savings Bank in Gravette, Ark., ($29,661); Fidelity Bank in Wichita, Kan. ($27,059) and Equity Bank in Wichita, Kan. ($25,068).