Fraudster who stole from vulnerable customers exposed after showing off lavish holidays on social media

Fintan Starkey
Sat, 18 Apr 2026 12:33:32 +0000

A Nationwide Building Society cashier who targeted vulnerable customers to fund an extravagant lifestyle was exposed after work colleagues spotted her flaunting luxury holidays on Facebook, a court has heard.

Kelly Kershaw, 54, took home a £1,400 monthly wage from her position at the building society, yet her social media presence told a starkly different story.

Fellow staff members grew suspicious when they observed the cashier posting about numerous expensive trips abroad, appearing to live well beyond what her salary could support.

Their concerns prompted an internal investigation that ultimately uncovered her fraudulent activities spanning 2023 and 2024.

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Her Facebook profile featured the tagline "living and loving life one adventure at a time," accompanied by photographs of skiing trips, sailing excursions, and African safari experiences.

The destinations she visited included: Paris, Tuscany, the Greek islands for a Mamma Mia-themed trip, Mexico, the Maldives, Indonesia, Dubai, and Norway.

Ms Kershaw also drove a BMW bearing a personalised number plate.

The mother-of-two had spent 18 years working for Nationwide and was considered a trusted employee at the Caernarfon branch in mid-Wales before suspicions arose.

Prosecutor Huw Evans told magistrates: "It was noted by members of staff she was having numerous expensive holidays and appeared to be living beyond her means."

The internal inquiry, which commenced in October 2024, revealed Ms Kershaw had been forging customer signatures and processing cash withdrawals without authorisation.

Her victims were among the branch's most vulnerable clients, Mr Evans told the court.

Those she defrauded included an 85-year-old who had suffered a stroke, a 49-year-old man with learning difficulties, and three additional pensioners.

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Magistrate Sue Wynn-Jones noted that her victims were "particularly vulnerable."

Nationwide has since compensated those affected, paying out a total of £8,630 to the customers Ms Kershaw had stolen from during her fraud spree.

Ms Kershaw, who resides in Nefyn, north Wales, pleaded guilty to five counts of fraud committed during 2023 and 2024.

In her defence, she claimed a compulsive shopping addiction had driven her behaviour, stating she had also given money to beggars and used funds for household bills.

However, she acknowledged that stolen money had financed holidays to the Caribbean and other destinations.

Her solicitor Michael Strain said: "She genuinely doesn't know what caused her to behave in this way. She's lost her job, good name and her reputation for honesty."

The probation service characterised her offences as "despicable."

Ms Kershaw is now employed by a cleaning business.