A former banker and a former financial broker have been charged over their alleged involvement in a $44 million fraud and money laundering scheme.The arrests come as investigations continue into a Sydney-based syndicate allegedly partaking in a massive fraud, where stolen personal information was used to apply for loans through financial companies to purchase luxury "ghost cars" that did not actually exist.Police then found the syndicate allegedly orchestrated widespread personal, business, and home loan fraud against financial institutions.JUST IN: Inflation