<p>美国商人查理·贾维斯（左），Frank 的创始人，于 2025 年 9 月 29 日抵达纽约市曼哈顿联邦法院参加她的判刑听证会。</p>
<p>蒂莫西·A·克拉里 | 法新社 | Getty Images</p>
<p>查理·贾维斯是 2021 年被摩根大通以 1.75 亿美元收购的一家初创公司的创始人，她面临周一因夸大金融科技公司客户数量而欺诈银行的判刑。</p>
<p>在三月份，12 人陪审团裁定贾维斯和她的首席增长官奥利维尔·阿马尔在三项欺诈罪和一项共谋欺诈罪上有罪。</p>
<p>33 岁的贾维斯在法庭上发表情感激动的声明时泪流满面。她站起来向法官发言，表示对自己的行为感到深深的懊悔，并请求摩根大通、初创公司的员工、股东和投资者的宽恕。贾维斯在某个时刻转身直接向坐在前排的家人道歉，并感谢他们给予的坚定支持。</p>
<p>&#34;我将用我的一生来后悔这些错误，&#34;贾维斯说。</p>
<p>&#34;我全心全意请求宽恕，&#34;她说。&#34;我请求法官以仁慈来缓和正义……我将以尊严和谦卑接受您的判决。&#34;</p>
<p>摩根大通收购了名为 Frank 的初创公司，以帮助美国最大的银行向学生推广其金融产品。Frank 是一个帮助学生申请经济援助的数字平台。2021 年 9 月，摩根大通在与 CNBC 的独家采访中表示，自贾维斯创立以来，该金融科技公司已为超过 500 万学生提供服务。</p>
<p>但在交易完成几个月后，摩根大通发现 Frank 实际上只有不到 30 万名真实客户；其余的都是贾维斯在数据科学家的帮助下创建的虚假身份。</p>
<p>贾维斯于 2023 年因在交易中欺诈摩根大通而被逮捕。后来披露的细节显示，当贾维斯指示员工在收购前增加客户名单时，Frank 的员工对此表示不相信。</p>
<p>在将公司出售给摩根大通的前一周，贾维斯指示一名员工伪造数百万用户。当该员工拒绝时，贾维斯根据今年早些时候的证词安慰他说。</p>
<p>&#34;她说：'别担心。我不想穿上橙色囚服，'&#34;该员工作证说。</p>
<p>贾维斯的律师罗纳德·沙利文在为客户争取轻判时辩称，Frank 帮助了人们，不像因欺诈而臭名昭著的 Theranos 的伊丽莎白·霍尔姆斯，她的欺诈行为造成了&#34;危险的医疗后果&#34;，并被判处 135 个月监禁。</p>
<p>&#34;贾维斯女士的判刑不应接近伊丽莎白·霍尔姆斯的判刑，&#34;沙利文周一对法官说。</p>
<p>助理美国检察官米卡·费根森不同意，认为贾维斯的罪行是由贪婪驱动的。</p>
<p>&#34;摩根大通没有获得一个正常运作的企业，他们收购的是一个犯罪现场，&#34;费根森说。</p>
<p>这一事件让摩根大通感到尴尬，因为它被认为是最复杂的企业收购者之一。由于担心来自金融科技和大型科技公司的威胁，该银行在首席执行官杰米·戴蒙的领导下，自 2020 年起开始疯狂收购小型金融科技公司。</p>
<p>但摩根大通急于在竞标中超越竞争对手，未能在支付 1.75 亿美元收购该公司之前确认 Frank 实际上是否拥有数百万客户。</p>
<p><em>此故事正在发展中。请随时查看更新。</em></p>

摩根大通

<p>金融科技公司 Frank 的创始人 Charlie Javice 正面临因在 2021 年以 1.75 亿美元收购中夸大其公司客户基础而欺诈摩根大通的判刑。陪审团裁定她犯有欺诈和共谋罪。Javice 在法庭上表示悔意，向摩根大通和她的家人寻求宽恕。案件揭示 Frank 的实际客户不到 30 万，而她声称超过 500 万。检方认为她的行为是出于贪婪，而她的辩护则寻求较轻的判刑，将她的案件与 Elizabeth Holmes 的案件进行比较</p>

<p>US businesswoman Charlie Javice (L), founder of Frank, arrives for her sentencing hearing at federal court in Manhattan on Sept. 29, 2025, in New York City.</p>
<div class="lb-trans"><p>美国商人查理·贾维斯（左），Frank 的创始人，于 2025 年 9 月 29 日抵达纽约市曼哈顿联邦法院参加她的判刑听证会。</p>
</div><p>Timothy A. Clary | AFP | Getty Images</p>
<div class="lb-trans"><p>蒂莫西·A·克拉里 | 法新社 | Getty Images</p>
</div><p>Charlie Javice, founder of a startup acquired by JPMorgan Chase in 2021 for $175 million, is facing sentencing Monday for defrauding the bank by overstating how many customers the fintech firm had.</p>
<div class="lb-trans"><p>查理·贾维斯是 2021 年被摩根大通以 1.75 亿美元收购的一家初创公司的创始人，她面临周一因夸大金融科技公司客户数量而欺诈银行的判刑。</p>
</div><p>In March, a 12-person jury found Javice and her chief growth officer Olivier Amar guilty on three counts of fraud and one count of conspiracy to commit fraud.</p>
<div class="lb-trans"><p>在三月份，12 人陪审团裁定贾维斯和她的首席增长官奥利维尔·阿马尔在三项欺诈罪和一项共谋欺诈罪上有罪。</p>
</div><p>Javice, 33, cried as she delivered an emotional statement to the court. Standing to address the judge, Javice said she felt profound remorse for her actions and asked for forgiveness from JPMorgan, employees of the startup, shareholders and investors. At one point Javice turned and directly addressed her family, sitting in the front row, to apologize and thank them for what she called unwavering support.</p>
<div class="lb-trans"><p>33 岁的贾维斯在法庭上发表情感激动的声明时泪流满面。她站起来向法官发言，表示对自己的行为感到深深的懊悔，并请求摩根大通、初创公司的员工、股东和投资者的宽恕。贾维斯在某个时刻转身直接向坐在前排的家人道歉，并感谢他们给予的坚定支持。</p>
</div><p>&#34;I will spend my entire life regretting these errors,&#34; Javice said.</p>
<div class="lb-trans"><p>&#34;我将用我的一生来后悔这些错误，&#34;贾维斯说。</p>
</div><p>&#34;I'm asking with all of my heart for forgiveness,&#34; she said. &#34;I ask your Honor to temper justice with mercy … I will accept your judgement with dignity and humility.&#34;</p>
<div class="lb-trans"><p>&#34;我全心全意请求宽恕，&#34;她说。&#34;我请求法官以仁慈来缓和正义……我将以尊严和谦卑接受您的判决。&#34;</p>
</div><p>JPMorgan bought the startup, called Frank, to help the biggest U.S. bank by assets market its financial products to students. Frank was a digital platform that helped students apply for financial aid. In September 2021, JPMorgan told CNBC in an exclusive interview on the deal that the fintech firm had served more than 5 million students since Javice founded it.</p>
<div class="lb-trans"><p>摩根大通收购了名为 Frank 的初创公司，以帮助美国最大的银行向学生推广其金融产品。Frank 是一个帮助学生申请经济援助的数字平台。2021 年 9 月，摩根大通在与 CNBC 的独家采访中表示，自贾维斯创立以来，该金融科技公司已为超过 500 万学生提供服务。</p>
</div><p>But months after the deal closed, JPMorgan discovered that Frank had fewer than 300,000 real customers; the rest were synthetic identities created by Javice with the help of a data scientist.</p>
<div class="lb-trans"><p>但在交易完成几个月后，摩根大通发现 Frank 实际上只有不到 30 万名真实客户；其余的都是贾维斯在数据科学家的帮助下创建的虚假身份。</p>
</div><p>Javice was arrested in 2023 on charges that she defrauded JPMorgan in the deal. Details that emerged later showed that Frank employees expressed disbelief when Javice directed them to boost their customer roster before the acquisition.</p>
<div class="lb-trans"><p>贾维斯于 2023 年因在交易中欺诈摩根大通而被逮捕。后来披露的细节显示，当贾维斯指示员工在收购前增加客户名单时，Frank 的员工对此表示不相信。</p>
</div><p>The week before selling her company to JPMorgan, Javice directed an employee to fabricate millions of users. When the employee declined, Javice reassured him, according to testimony given earlier this year.</p>
<div class="lb-trans"><p>在将公司出售给摩根大通的前一周，贾维斯指示一名员工伪造数百万用户。当该员工拒绝时，贾维斯根据今年早些时候的证词安慰他说。</p>
</div><p>&#34;She said: 'Don't worry. I don't want to end up in an orange jumpsuit,'&#34; the employee testified.</p>
<div class="lb-trans"><p>&#34;她说：'别担心。我不想穿上橙色囚服，'&#34;该员工作证说。</p>
</div><p>Javice's attorney, Ronald Sullivan, while arguing for a lighter sentence for his client, argued that Frank helped people, unlike that of Elizabeth Holmes of Theranos infamy, whose fraud had &#34;dangerous medical consequences&#34; and who was sentenced to 135 months in prison.</p>
<div class="lb-trans"><p>贾维斯的律师罗纳德·沙利文在为客户争取轻判时辩称，Frank 帮助了人们，不像因欺诈而臭名昭著的 Theranos 的伊丽莎白·霍尔姆斯，她的欺诈行为造成了&#34;危险的医疗后果&#34;，并被判处 135 个月监禁。</p>
</div><p>&#34;Ms. Javice's sentence should be nowhere near Elizabeth Holmes',&#34; Sullivan told the judge Monday.</p>
<div class="lb-trans"><p>&#34;贾维斯女士的判刑不应接近伊丽莎白·霍尔姆斯的判刑，&#34;沙利文周一对法官说。</p>
</div><p>Assistant U.S. Attorney Micah Fergenson disagreed, arguing Javice's crime was fueled by greed.</p>
<div class="lb-trans"><p>助理美国检察官米卡·费根森不同意，认为贾维斯的罪行是由贪婪驱动的。</p>
</div><p>&#34;JPMorgan didn't get a functioning business, they acquired a crime scene,&#34; Fergenson said.</p>
<div class="lb-trans"><p>&#34;摩根大通没有获得一个正常运作的企业，他们收购的是一个犯罪现场，&#34;费根森说。</p>
</div><p>The episode was embarrassing for JPMorgan, which was thought to be one of the most sophisticated of corporate acquirers. Concerned about threats from fintech and big tech firms, the bank, led by CEO Jamie Dimon, went on a shopping spree of smaller fintech firms starting in 2020.</p>
<div class="lb-trans"><p>这一事件让摩根大通感到尴尬，因为它被认为是最复杂的企业收购者之一。由于担心来自金融科技和大型科技公司的威胁，该银行在首席执行官杰米·戴蒙的领导下，自 2020 年起开始疯狂收购小型金融科技公司。</p>
</div><p>But JPMorgan, eager to edge out rivals bidding for the startup, failed to confirm that Frank actually had millions of customers before shelling out $175 million for the company.</p>
<div class="lb-trans"><p>但摩根大通急于在竞标中超越竞争对手，未能在支付 1.75 亿美元收购该公司之前确认 Frank 实际上是否拥有数百万客户。</p>
</div><p><em>This story is developing. Please check back for updates.</em></p>
<div class="lb-trans"><p><em>此故事正在发展中。请随时查看更新。</em></p>
</div>

创业公司创始人 Charlie Javice 因欺诈摩根大通而将被判刑