Police say customized checks carrying a Foxboro man’s account information were ordered online and shipped to a Virginia address.
FOXBORO, MA — A Virginia woman faces an identity fraud charge after a monthslong investigation into eight unauthorized checks that took $39,040 from a Foxboro couple’s bank account, according to court records and a police report obtained by NBC10 Boston.
Monika M. Jaworska is accused in the investigation involving Mark Henderson’s Santander account. The eight checks, each for $4,880, were dated in August and September 2025 and carried Jaworska’s name and a Sterling, Virginia, address. A clerk-magistrate found probable cause in May 2026 to authorize an identity fraud charge sought by Foxboro police. Jaworska is scheduled to be arraigned Oct. 30 in Wrentham District Court.
The money was taken from a family estate account containing proceeds from the sale of Henderson’s family home after his father’s death. Henderson reported the unauthorized transactions to Santander and Foxboro police in October 2025. Santander initially denied most of the couple’s claim, citing a 30-day reporting requirement in its account agreement, according to NBC10 Boston. The bank later reimbursed the full $39,040 after the station’s consumer investigative unit contacted Santander while reporting on the case.
Foxboro Detective Patrick Lydon traced the checks as part of the police investigation, according to his report filed in Wrentham District Court in August. Investigators noticed that the checks shared a distinctive National Parks design and determined that the design could be ordered through online check-printing websites operated by one company. Police obtained records through a search warrant showing that an order using Henderson’s account numbers was placed online in August 2025, according to the report.
The records showed that the customized checks were shipped to Monika Jaworska at the same Sterling address printed on the checks, according to NBC10 Boston’s review of the police report. When the station’s investigative team went to the Virginia address in June, a woman who answered the door denied knowing about the case. The criminal charge remains an allegation, and the court’s probable-cause finding does not establish guilt.
Lydon also contacted people who had received and deposited some of the checks. One woman told police she had been contacted about cleaning an empty housing unit and expected $1,000 but instead received a $4,880 check. She said she was told to keep part of the money and send the remainder through Western Union. The detective concluded that she appeared to be an unwitting participant rather than a knowing accomplice, according to NBC10 Boston’s account of the police report.
Another recipient told investigators that she received a check from a man she had met on a dating website. She told police she was instructed to keep $2,300 and return the remaining money using bitcoin. Lydon wrote that the accounts were consistent with schemes in which recipients are directed to keep part of fraudulently obtained money and forward the balance through other payment methods.
The investigation also identified an earlier federal fraud case involving Jaworska. Federal court records show that Jaworska and her husband, Tarik Jaafar, were involved in a 2020 scheme targeting the Paycheck Protection Program. According to the U.S. Justice Department, the couple created four companies and submitted 18 PPP loan applications seeking about $6.6 million while falsely claiming the businesses had employees and payroll expenses. Banks distributed about $1.4 million before most of the money was recovered or frozen. Jaworska pleaded guilty in the federal case and was sentenced in December 2020 to time served and two years of supervised release.
That earlier case is separate from the current Massachusetts investigation. In the Foxboro case, police have not publicly established how Henderson’s Santander account information was obtained before the customized checks were ordered. That remains a key unanswered question in the investigation.
Santander told NBC10 Boston that it could not comment on an investigation and that the bank assists law enforcement when appropriate. Jaworska’s arraignment on the identity fraud charge is scheduled for Oct. 30 in Wrentham District Court. The charge has not been adjudicated, and she is presumed innocent unless proven guilty.
Author note: Last updated Sept. 24, 2026.