NOTE: Stipulations of Fact and Consent to Penalty (SFC); Offers of Settlement (OS); and Letters of Acceptance Waiver, and Consent (AWC) are entered into by Respondents without admitting or denying the allegations, but consent is given to the described sanctions & to the entry of findings. Additionally, for AWCs, if FINRA has reason to believe a violation has occurred and the member or associated person does not dispute the violation, FINRA may prepare and request that the member or associated person execute a letter accepting a finding of violation, consenting to the imposition of sanctions, and agreeing to waive such member's or associated person's right to a hearing before a hearing panel, and any right of appeal to the National Adjudicatory Council, the SEC, and the courts, or to otherwise challenge the validity of the letter, if the letter is accepted. The letter shall describe the act or practice engaged in or omitted, the rule, regulation, or statutory provision violated, and the sanction or sanctions to be imposed.

Victoria Ann Toth
2008012343001

Toth asked a bank teller to process an $8,500 check payable to a mortgage company drawn on a bank customer’s account without the customer’s knowledge or consent, and forwarded the check to the company to pay Toth’s mortgage. Toth admitted to the conversion when the bank questioned her, and also admitted to asking the teller to process another check for $6,500, although she claimed she had the check voided. Toth failed to respond to FINRA requests for information and to appear for an on-the-record interview. (FINRA Case #)

Victoria Ann Toth: Barred