[DO NOT PUBLISH]

IN THE UNITED STATES COURT OF APPEALS FOR THE ELEVENTH CIRCUIT

________________________

No s . 16

- 10181 & 16

- 10841

Non

- Argument Calendar

________________________ D.C. Docket No. 1:15

- cr - 20096

- RNS

- 2

UNITED STATES OF AMERICA, Plaintiff

- Appellee,

versus MAURA BARBOSA LOPES, Defendant

- Appellant.

________________________ Appeal s from the United States District Court for the Southern District of Florida

________________________ (A u gust 23, 2017) Before WILLIAM P RYOR , MARTIN and ANDERSON , Circuit Judges. PER CURIAM:

Case: 16-10181 Date Filed: 08/23/2017 Page: 1 of 62 Maura Barbosa Lopes appeals her sentence of 135 months of imprisonment, following her pleas of guilty to one count of conspir ing to commit bank fraud, 18 U.S.C. § 1349, and eight counts of bank fraud , i d

. § 1344. Lopez challenges the enhancement s of her sentence for abuse of trust and for the amount of loss; the substantive reasonableness of her sentence; and the amount of restitution. We affirm. The district court did not clearly err by increas ing Lopes’s base offense level for abuse of trust. A defendant who commits fraud is subject to a two

- level enhancement for abuse of trust if “ the victim placed a special trust in the defendant beyond ordinary reliance on [ he r ] integrity and honesty ,” Unite d States v. Williams , 527 F.3d 1235, 1250

– 51 (11th Cir. 2008) , that s he then exploited to perpetrate or conceal her fraud, United States v. Hall , 349 F.3d 1320, 1324

– 25 (11th Cir. 2003). The defrauded banks trusted Lopes, as the manager of a closing company, Title Closing Partners of Brickell, LLC, to provide reliable information about borrowers and to ensure that the funds loaned for real estate transactions

were dispersed to purchase property and to satisfy closing expenses. See United
States Senten cing Guidelines Manual § 3B1.3 cmt. n.1 (“ a position of

. . . trust [is often] characterized by

. . . substantial discretionary judgment that is ordinarily given considerable deference ” ) ; see also Chang v. JPMorgan Chase Bank, N.A. , 845 F.3d 1087, 1095 (11 th Cir. 2017) (recognizing that a fiduciary relationship

Case: 16-10181 Date Filed: 08/23/2017 Page: 2 of 63 exists under Florida law between a company that holds funds in escrow and the supplier of those funds)

. Lopes abused her position of trust by submitting fraudulent closing documents, by falsely informing the banks that purchasers had supplied a down payment or earnest money, by prematurely disburs ing loan funds
to putative borrowers , and by misappropriat ing loan funds for herself and her coconspirators

. The district court also did not cl early err in finding that Lop es was responsible for a loss between $9.5 and $25 million. Lopes does not dispute that she is responsible for outstanding principal loan amounts of $8,733,602 . Lopes contests being held responsible for an additional $1,24 4 , 281 .21 , $776, 932 of which the banks incurred in out

- of

- pocket costs and $467, 349.27 of which the banks paid for broker ’s fees. But t he government submitt ed testimony and d etailed records establishing tha t the banks incurred $776, 932 in expenses to foreclose on and to dispose of the properties connected to the fraudulent loans. Additionally, Lopes accepted the proffer of the government that the original loan documents proved that the banks incurred a separate expense of $467,349.27 in broker’s fees. The distri ct court correctly increased L opes’s base offense level by 20 levels for causing a loss of more than $9.5 million and less than $25 million. See U.S.S.G. § 2B1.1(b)(1)(K). The district court did not abuse its discretion when it sentenced Lopes to the Case: 16-10181 Date Filed: 08/23/2017 Page: 3 of 64 low end of her advisory guideline range . Lopes conspir ed to defraud banks by using entities she and her coconspirators o wned or controlled to fraudulently obtain mortgage loan s. As the manager of Title Closing, Lopes submitted false settlement
statements to lenders , and she and her family profited from funds misappropriated from escrow accounts. Lopes also submitted a mortgage application falsely stating that specific property was her primary residence; that she was employed by a coconspirator’s company, Cellular & Wireless Wholesale Corporation; that she ha d a monthly gross income of $55,000; and that she had accounts at Wachovia Bank containing $117,553 and $355,123. Lopes altered her bank account
statements to reflect the amounts listed on her fraudulen t application, and she obtained prematurely $565,843 in loan funds to purchase a cashier’s check to create the illusion of pa ying that amount when closing on the mortgage

. The district court granted Lopes’s motion to reduce the enhancement for her aggravat ing role from four to three levels, s ee U.S.S.G. § 3B1.1(a), (b), which resulted in a revised sentencing range of 135 to 168 months of imprisonment. The district court considered imposing a sentence at the high end of Lopes’s sentencing range because of he r substantial role in the conspiracy and the significant harm i t caused to the lending institutions and homeowners whose properties were devalued as a result. Even so, the district court reasonably determined that a sentence of 135 months would punish Lope s’s wrongdoing yet account for her alleged

Case: 16-10181 Date Filed: 08/23/2017 Page: 4 of 65 susceptibility to being manipulated by her husband, c oconspirator Raul Quintana

. See 18 U.S.C. § 3553. Lopes’s sentence is reasonable. Lopes argues about a disparity between her sentence and that imposed on Quintana, but they are not similarly situated. See United States v. Spoerke , 568 F.3d 1236, 1252 (11th Cir. 2009). The district court varied downward from Quintana’s sentencing range based on his “mitigating” personal characteristics. Unlike Lopes, Quintana served as a Navy Seal and, as the district court stated, he “made significant efforts to try and sustain the mortgages and didn’t just walk away when the market collapsed.” The district court di d not clearly err by finding that Lopes was jointly responsible for $8,437,863 i n restitution. The government submitted statements from Chase Bank that showed a net principal loss and additional expenses totaling $282,782 for two fraudulent loans. The gove rnment also submitted a statement of loans originated by Washington Mutual, which the Federal Deposit Insurance Corporation assumed, that detailed for each loan the net principal loss, amortized interest, and additiona l expenses that totaled $8,155, 081. Us ing these documents, the government e stablished, by a preponderance of the evidence, the losses incurred by the financial institutions. See 18 U.S.C. § § 3663A(c) , 3664(e), (f)

. Lopes contends that the amount of restitution should not exceed $6,250,000 , but she has abandoned the argument by failing to cite any parts of the record

Case: 16-10181 Date Filed: 08/23/2017 Page: 5 of 66 relevant to her argument or to provide any substantive discussion support ing her position. See Fed. R. App. P. 28(a)(8)(A). Lopes also cannot rely on the arguments that her attorney raised before the district court without explaining how the district court erred. See United States v. Moran , 778 F.3d 942, 985 (11th Cir. 2015).
We AFFIRM Lopes’s sentence. Case: 16-10181 Date Filed: 08/23/2017 Page: 6 of 6