Nicholas Charles Kramer (CRD #5438903, Rancho Cucamonga, California) submitted an AWC in which he was barred from association with any FINRA member in any capacity. Without admitting or denying the findings, Kramer consented to the sanction and to the entry of findings that he converted $15,750 from his member firm’s affiliate bank. The findings stated that Kramer created fictitious identities and used the fictitious identities to open savings, checking and linked credit card accounts through the bank. Kramer took cash advances of $250 on each credit card and transferred the funds to linked savings and/or checking accounts. Kramer then withdrew the cash, converting the funds for his personal use. See, FINRA Case #2015044359201.