The Department of Justice says 47-year-old Kelly Lynn Brown was a bookkeeper at a Fresno business with access to employees' personal information.
Prosecutors say she recommended in 2021 that the owner get a company credit card for business expenses.
While the suggestion was declined by the owner, officials say Brown went ahead and applied for two cards, with one under the company's name and one under the owner's.
Officials say she then got another credit card in her name under the owner's account without their approval.
Court records show that Brown used the card for personal purchases, including a down payment for a motorcycle and truck.
Records show she also made clothing purchases for an online boutique she started in 2022.
The owner eventually learned of the incidents and fired Brown. Documents show she spent over $4 million.
If convicted, Brown faces a maximum penalty of 10 years in prison, a $250,000 fine and three years of supervised release.