United States v. Bolarinwa Adeyale , 579 F. App'x 196 ( 2014 )


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  •                             UNPUBLISHED
    UNITED STATES COURT OF APPEALS
    FOR THE FOURTH CIRCUIT
    No. 13-4210
    UNITED STATES OF AMERICA,
    Plaintiff – Appellee,
    v.
    BOLARINWA ANDREW ADEYALE, a/k/a Bola,
    Defendant – Appellant.
    Appeal from the United States District Court for the District of
    Maryland, at Greenbelt.    Deborah K. Chasanow, Chief District
    Judge. (8:10-cr-00596-DKC-2)
    Argued:   May 14, 2014                    Decided:   July 29, 2014
    Before WILKINSON, AGEE, and DIAZ, Circuit Judges.
    Affirmed by unpublished opinion. Judge Diaz wrote the opinion,
    in which Judge Wilkinson and Judge Agee joined.
    ARGUED: Robert Whelen Biddle, NATHANS & BIDDLE, LLP, Baltimore,
    Maryland, for Appellant. Margaret Amalia Moeser, OFFICE OF THE
    UNITED STATES ATTORNEY, Greenbelt, Maryland, for Appellee.   ON
    BRIEF: Booth M. Ripke, NATHANS & BIDDLE, LLP, Baltimore,
    Maryland, for Appellant.      Rod J. Rosenstein, United States
    Attorney, Baltimore, Maryland, Robert K. Hur, Assistant United
    States   Attorney,  OFFICE   OF  THE  UNITED  STATES  ATTORNEY,
    Greenbelt, Maryland, for Appellee.
    Unpublished opinions are not binding precedent in this circuit.
    DIAZ, Circuit Judge:
    A jury convicted Bolarinwa Andrew Adeyale of one count of
    conspiracy to commit bank fraud, two counts of substantive bank
    fraud,    and   one   count   of   aggravated      identity      theft    for    his
    participation    in   a   scheme    to   defraud    Bank    of   America.        The
    district court sentenced Adeyale to 84 months’ imprisonment.
    Adeyale raises four issues on appeal.                 First, he contends
    that the government presented insufficient evidence to convict
    him of aggravated identity theft.             Second, Adeyale argues that
    the district court erred in admitting certain summary testimony.
    Third, he contends that the district court erred in declining to
    dismiss    at    least    one      substantive      bank     fraud       count   as
    multiplicitous.       Finally,     he    argues    that    the   district    court
    imposed a substantively unreasonable sentence.                   We affirm the
    district court’s judgment.
    I.
    On appeal from a criminal conviction, we view the facts in
    the light most favorable to the government.                  United States v.
    Washington, 
    743 F.3d 938
    , 940 (4th Cir. 2014).
    2
    A.
    Starting in late 2007, Adeyale and several coconspirators
    implemented a scheme to defraud Bank of America. 1            This scheme
    involved multiple steps.       First, members of the conspiracy stole
    credit card convenience checks 2 from residential mailboxes in
    affluent Maryland and Washington, D.C. neighborhoods.               Second,
    they paid local college students for access to their Bank of
    America accounts.       The student account holders provided their
    account numbers, ATM cards, and PINs for this purpose.               Third,
    Adeyale and his coconspirators recruited other student “runners”
    to   deposit   the   checks   into   the   compromised   accounts   and   to
    withdraw the funds before the bank realized that the checks were
    stolen.
    The government indicted Adeyale for his role in the scheme
    in September 2010.       Subsequently, in a superseding indictment,
    the government charged Adeyale with one count of conspiracy to
    commit bank fraud, in violation of 18 U.S.C. § 1349; six counts
    of substantive bank fraud, in violation of 18 U.S.C. § 1344; and
    1
    We previously discussed this scheme in an appeal by one of
    Adeyale’s coconspirators. See generally United States v. Otuya,
    
    720 F.3d 183
    (4th Cir. 2013), cert. denied, 
    134 S. Ct. 1279
    (2014).
    2
    A credit card convenience check is an instrument issued to
    a bank customer that is linked to a credit card as opposed to a
    checking account.
    3
    one   count   of    aggravated   identity       theft,     in   violation        of   18
    U.S.C. § 1028A.         The conspiracy count was based on Adeyale’s
    role in the overarching bank fraud scheme.                      Relevant to this
    appeal, two of the substantive bank fraud counts, Counts Five
    and Six, involved $5,000 and $600 withdrawals from a Bank of
    America account belonging to Courtney Smith.
    Before trial, Adeyale moved to dismiss Counts Two through
    Six   as   multiplicitous      because        they   involved      withdrawals        or
    deposits from the same bank account, which belonged to Smith.
    The   government      acknowledged    that      Counts    Two    and     Three     were
    multiplicitous, and those counts were dismissed.                       The district
    court reserved ruling on Adeyale’s pretrial motion as to Counts
    Four through Six.
    B.
    At   trial,    the   government     presented       testimony      from     other
    participants in the scheme, including Smith, Charles Richardson,
    and   Madonna      Campbell.     Their    testimony       related      to   both      the
    overarching scheme and specific transactions.
    Richardson testified about his role in the scheme after
    Adeyale    recruited    him.     In   addition       to   acting    as      a   runner,
    Richardson convinced several students to give him their Bank of
    America account information, ATM cards, and PINs so that the
    conspirators could access their accounts.                 He testified that he
    gave the cards and information to Adeyale, who paid Richardson
    4
    from the proceeds of the scheme.                  Richardson further explained
    that one of the student account holders whom he recruited was
    Courtney     Smith.      Richardson            gave       Adeyale      Smith’s     account
    information,    ATM    card,    and   PIN.            A   few   days      later,    Adeyale
    instructed    Richardson       to   have    Smith         withdraw     funds     from    her
    account.      Richardson arranged for Smith to meet Adeyale, who
    then drove Smith, Richardson, and Campbell to a Bank of America
    branch.    Richardson testified that Adeyale returned Smith’s ATM
    card and directed her to make a withdrawal.                               Smith withdrew
    $5,000 from her account and gave the funds to Adeyale.
    Smith’s testimony confirmed that she gave Richardson her
    ATM card and PIN.       She also testified that she made the $5,000
    withdrawal from her account.               But she stated, in contradiction
    to Richardson’s testimony, that neither Adeyale nor anyone else
    returned her ATM card before she made the withdrawal.                              Instead,
    she stated that she obtained a new, temporary ATM card once
    inside the bank.
    Like Richardson, Campbell testified that Adeyale recruited
    her.    She explained that Adeyale gave her Smith’s ATM card and
    PIN and    instructed    Campbell      to       make      a   withdrawal.          Campbell
    stated that the ATM card did not work; other evidence, however,
    contradicted    this    statement      and       connected          her    to    the    $600
    withdrawal.    Campbell also testified that she later returned the
    card to Adeyale.         In addition, she corroborated Richardson’s
    5
    testimony that she accompanied Adeyale, Richardson, and Smith to
    the bank; Campbell confirmed that Smith made a withdrawal inside
    the bank and gave the funds to Adeyale.
    The    government          also   presented        testimony     from     a    Bank   of
    America     investigator,         Dulcie     Martin,        who     discussed          various
    documents     pertaining         to    the   fraudulent        transactions.             Most
    important to this appeal, Martin described the withdrawals from
    Smith’s account underlying Counts Five and Six: an October 30,
    2008 withdrawal of $5,000, and an October 29, 2008 withdrawal of
    $600.      Martin        also    connected       Bank     of    America      surveillance
    photographs        to     specific       transactions.               Based        on     those
    photographs, witnesses visually identified participants in the
    scheme    conducting       specific      transactions.              Multiple       witnesses
    identified Campbell, for example, as the person associated with
    the $600 withdrawal.
    Another        government          witness,         Postal      Inspector           Julie
    Zachariadis,       prepared        summary        charts       of    the     government’s
    evidence.          One     of    the    charts          summarized     the        fraudulent
    transactions       involving      Smith’s        bank    account.       Over       Adeyale’s
    objection, Zachariadis testified that the $600 withdrawal was
    made using Smith’s ATM card and PIN.                       The corresponding chart
    provided    more    detail       and   stated      that    Campbell        made    the   $600
    withdrawal.
    6
    After the government rested, Adeyale moved for judgment of
    acquittal on all counts.       The district court denied the motion
    but directed the government to dismiss Count Four or Six because
    those counts involved withdrawals related to the same deposit.
    The   government    elected   to   dismiss     Count   Four.   The     court
    subsequently    instructed     the     jury    to   consider   Count    One
    (conspiracy),      Counts   Five   through     Seven   (substantive    bank
    fraud), and Count Ten (aggravated identity theft).
    The jury found Adeyale guilty of Counts One, Five, Six, and
    Ten, but not guilty of Count Seven.           The court sentenced Adeyale
    to 84 months’ imprisonment, consisting of concurrent 60-month
    sentences on Counts One, Five, and Six, and a consecutive 24-
    month sentence on Count Ten.         The court also required Adeyale to
    pay restitution.     This appeal followed.
    II.
    Adeyale raises several issues on appeal, arguing that the
    district court erred by (1) denying his motion for judgment of
    acquittal on the aggravated identity theft count; (2) admitting
    certain summary testimony; (3) declining to dismiss Counts Five
    and/or Six as multiplicitous, and (4) imposing a substantively
    unreasonable sentence.      We review these issues in turn.
    7
    A.
    We first consider Adeyale’s argument that he was entitled
    to   a    judgment       of    acquittal      on    the   aggravated        identity   theft
    count because the government presented insufficient evidence to
    support his conviction.                We review de novo the district court’s
    denial     of     Adeyale’s       motion      for    judgment      of     acquittal.       See
    United States v. Royal, 
    731 F.3d 333
    , 337 (4th Cir. 2013), cert.
    denied, 
    134 S. Ct. 1777
    (2014).                     In assessing a challenge to the
    sufficiency of the evidence, we view the evidence in the light
    most favorable to the government and will sustain the jury’s
    verdict unless we conclude “that no rational trier of fact could
    have      found    the        essential      elements       of     the    crime   beyond     a
    reasonable doubt.”             
    Id. The aggravated
    identity theft statute imposes a mandatory
    consecutive        two-year       sentence      on    anyone       who,    “during   and    in
    relation to any felony violation enumerated in subsection (c)
    [including        bank    fraud      and     conspiracy      to    commit     bank   fraud],
    knowingly         transfers,         possesses,        or        uses,     without     lawful
    authority, a means of identification of another person.”                                    18
    U.S.C. § 1028A.           To establish a violation of this provision, the
    government        must    show       that    the     defendant      knew    the   means    of
    identification belonged to another person.                              Flores-Figueroa v.
    United States, 
    556 U.S. 646
    , 657 (2009).                            But, as we held in
    another     case     involving         the    same     scheme      at     issue   here,    the
    8
    government   is    not     required      to      prove       that     the     defendant
    possessed,    transferred,          or       used        the        other      person’s
    identification without that person’s consent.                   See United States
    v. Otuya, 
    720 F.3d 183
    , 189 (4th Cir. 2013), cert. denied, 
    134 S. Ct. 1279
    (2014).
    In   rejecting       Otuya’s     argument          to     the     contrary,     we
    explained:   “To   excuse    Otuya’s       act     of   using       another    person’s
    identification     to    defraud    Bank      of    America      of    thousands     of
    dollars simply because a coconspirator agreed to let him do so
    would produce an untenable construction of the statute and an
    unacceptable result.”        See 
    id. Most circuits
    to address the
    issue have reached the same conclusion.                      See 
    id. (collecting cases
    and noting that “[o]ur holding . . . places us in accord
    with every circuit to have addressed the question”).                           But see
    United States v. Spears, 
    729 F.3d 753
    , 758 (7th Cir. 2013) (en
    banc) (“Section 1028A, we hold, uses ‘another person’ to refer
    to a person who did not consent to the use of the ‘means of
    identification.’”).
    Adeyale asserts that Otuya does not control here because
    the government charged him with aggravated identity theft in a
    “unique way.” 3    See Appellant’s Br. at 10.                  In Adeyale’s view,
    3
    Alternatively, Adeyale asserts that we should revisit our
    holding in Otuya if we conclude that Otuya resolves the
    aggravated identity theft issue.   Otuya’s holding, in Adeyale’s
    (Continued)
    9
    the   government       “was       explicit”         that     the    predicate         felonies
    supporting the aggravated identity theft charge were Counts Five
    and Six.    See 
    id. at 11.
                 Adeyale argues that neither count can
    sustain    his   aggravated        identity         theft    conviction.         Count    Five
    fails to do so, he asserts, because Smith used her own, new ATM
    card and PIN to make the $5,000 withdrawal.                          Therefore, Adeyale
    contends    that      he   did    not       possess,       transfer,      or    use   Smith’s
    identification during and in relation to that withdrawal.                                With
    respect to Count Six, Adeyale argues that the government did not
    present sufficient evidence that Campbell used Smith’s means of
    identification to withdraw the $600.                          Without such evidence,
    Adeyale    suggests        that    there      was    not     sufficient         evidence    to
    connect    him   to    the     possession,          transfer,       or    use    of   another
    person’s means of identification during and in relation to the
    $600 transaction.
    We find Adeyale’s contentions unpersuasive.                          To begin with,
    the   record     belies      Adeyale’s         suggestion          that   the    government
    waived reliance on Count One.                   The government explicitly cited
    the   conspiracy       count      as    a    predicate       offense      supporting       the
    view, depended on incorrect statutory interpretation. We do not
    reach the merits of Adeyale’s argument, however, because we have
    no authority to overrule a decision issued by a previous panel.
    See McMellon v. United States, 
    387 F.3d 329
    , 332-33 (4th Cir.
    2004) (en banc).
    10
    aggravated identity theft charge.              Specifically, the government
    charged that, between approximately October 29 and 30, 2008,
    Adeyale
    did knowingly transfer, possess and use, without
    lawful authority, a means of identification of another
    person, that is, the name, personal bank account
    number and ATM/debit card issued to [Courtney Smith],
    during and in relation to a felony violation, that is,
    conspiracy to commit bank fraud . . . as charged in
    Count One[,] . . . and bank fraud . . . as charged in
    Counts Two through Seven.
    J.A. 21.       In addition, the government alluded to the conspiracy
    count in its closing argument.
    Count    One    amply    supports     Adeyale’s   aggravated   identity
    theft conviction.         The government presented detailed testimony
    from   multiple       sources   that   Adeyale   possessed   and   transferred
    Smith’s means of identification during and in relation to the
    conspiracy.      And, as we have already explained with respect to
    the same scheme, the fact that Smith consented to the nefarious
    use of her personal information is of no import.              See 
    Otuya, 720 F.3d at 189
    .
    Nor do Adeyale’s arguments about Counts Five and Six give
    us pause.      Regarding Count Five, we agree that the government’s
    evidence indicates that Smith used her own ATM card to withdraw
    the $5,000.      And we acknowledge Smith’s testimony that she used
    a new, temporary ATM card and PIN to make that withdrawal.                But
    we believe that a rational juror could still find, based on the
    11
    evidence    at     trial,     that    Adeyale       possessed      Smith’s    means    of
    identification during and in relation to that withdrawal.                              The
    relevant statutory phrase is sufficiently broad.                             See United
    States v. Mobley, 
    618 F.3d 539
    , 549 (6th Cir. 2010) (explaining
    that “the ‘in relation to’ element [of 18 U.S.C. § 1028A] is met
    if   the   identity      theft      ‘facilitates      or    has    the     potential   of
    facilitating’ that predicate felony”); see also United States v.
    Huerta-Loya, 496 F. App’x 307, 309 (4th Cir. 2012) (relying on
    Mobley and explaining that we have interpreted the phrase “in
    relation     to”    in   a    different       statute       “in    an    equally    broad
    fashion”);    cf.    Smith     v.    United       States,    
    508 U.S. 223
    ,   237-38
    (1993) (explaining, in interpreting a different statute, that
    the phrase “in relation to” is “expansive”).
    Adeyale’s argument regarding Count Six fares no better.                           We
    recognize that the evidence presented at trial with respect to
    Campbell’s role in the $600 withdrawal was inconsistent because
    Campbell    testified        that    the    ATM    card     did    not   work,     thereby
    suggesting that she did not make the withdrawal using Smith’s
    means of identification.             But, viewing the evidence in the light
    most favorable to the government, we conclude that there was
    sufficient    evidence        that    Campbell       made    the    withdrawal      using
    Smith’s ATM card and PIN.                  This is so based on, among other
    evidence, Smith’s bank account statement and multiple witnesses’
    12
    identification            of    Campbell       as     the     person       depicted        in   a
    surveillance photograph associated with the $600 withdrawal.
    In any event, even if we agreed with Adeyale’s argument
    about Counts Five and/or Six, any error was harmless because of
    the overwhelming evidence of his guilt of aggravated identity
    theft during and in relation to the conspiracy count.                                   See Fed.
    R.   Crim.      P.     52(a)     (“Any    error       . . .       that    does     not     affect
    substantial rights must be disregarded.”).
    In sum, the government presented ample evidence to sustain
    Adeyale’s aggravated identity theft conviction.                             Accordingly, we
    conclude        that      the    district       court       did     not    err     in     denying
    Adeyale’s motion for judgment of acquittal.
    B.
    Adeyale         also      argues   that        the    district       court        erred   in
    admitting summary testimony concerning the $600 withdrawal in
    Count Six. 4         We review a district court’s evidentiary rulings for
    abuse     of    discretion        and    “will       only    overturn       an     evidentiary
    ruling     that      is   arbitrary      and    irrational.”              United    States      v.
    Cole,     
    631 F.3d 146
    ,    153    (4th    Cir.       2011)    (internal          quotation
    marks omitted).
    4
    On appeal, Adeyale does not challenge the government’s use
    of summary testimony and summary charts in general.            We
    therefore limit our discussion to the specific summary testimony
    that Adeyale challenges.
    13
    As relevant here, Inspector Zachariadis prepared a chart
    summarizing the government’s evidence regarding the fraudulent
    deposits      into     and      withdrawals      from      Smith’s     Bank    of   America
    account.       Zachariadis testified, over Adeyale’s objection, that
    there was a $600 withdrawal using Smith’s ATM card and PIN on
    October 29, 2008.            The chart itself went further and stated that
    Campbell made the withdrawal.                 Zachariadis stated that she based
    this       portion    of     the    chart     on     Campbell’s        and    Richardson’s
    testimony.       She also stated that this portion of the chart was
    consistent with a photograph of the person, identified by others
    as Campbell, making the $600 withdrawal.
    Adeyale       asserts       on   appeal      that     there     was    insufficient
    evidence to connect the $600 withdrawal to Campbell’s use of
    Smith’s ATM card and PIN.                 In other words, Adeyale submits that
    the district court erred in admitting this evidence because it
    lacked proper foundation. 5
    We    conclude      that     the   district       court    did    not    abuse   its
    discretion in admitting this evidence.                          Contrary to Adeyale’s
    assertion,       and       as    explained         earlier      when    discussing      the
    aggravated       identity        theft      issue,      other    evidence       adequately
    supported the challenged testimony.                      That evidence suffices to
    5
    Adeyale also briefly asserts that this testimony “drew
    improper ‘conclusions’” but does not appear to raise this as an
    independent basis for reversal. See Appellant’s Br. at 19.
    14
    establish        that    the    district      court’s      evidentiary      ruling    was
    neither arbitrary nor irrational.
    C.
    Adeyale next contends that the district court erred in not
    dismissing       Counts    Five      and/or       Six   because     those   counts     are
    multiplicitous. 6              We    review       the     district     court’s      legal
    conclusions on a motion to dismiss an indictment de novo and its
    factual findings for clear error.                       United States v. Woolfolk,
    
    399 F.3d 590
    , 594 (4th Cir. 2005).
    “‘Multiplicity’ is charging a single offense in more than
    one count in an indictment.”                 United States v. Mancuso, 
    42 F.3d 836
    ,       847   n.11    (4th       Cir.    1994)       (internal    quotation       marks
    omitted).         As we have explained, “[t]he multiplicity doctrine
    finds its roots in the Fifth Amendment’s Due Process Clause,
    which assur[es] that the court does not exceed its legislative
    authorization       by    imposing         multiple     punishments     for   the    same
    offense.”        See United States v. Colton, 
    231 F.3d 890
    , 908 (4th
    Cir. 2000) (internal quotation marks omitted).                        Relying on this
    6
    We have previously noted that “[v]arious courts, including
    this one, have spelled multiplicity in its adjective form as
    ‘multiplicious’ and ‘multiplicitous.’”     See United States v.
    Goodine, 
    400 F.3d 202
    , 207 n.6 (4th Cir. 2005). In Goodine, we
    explained that “multiplicitous” is apparently the preferred
    spelling, see 
    id., and we
    use that spelling here.
    15
    doctrine, Adeyale asks us to vacate his convictions on Counts
    Five and Six.
    Section     1344     of    Title       18    authorizes          the     government          to
    prosecute     each       execution      of    a    scheme        to    defraud      a    financial
    institution.         See 18 U.S.C. § 1344; 
    Colton, 231 F.3d at 908-09
    .
    Although     the     government         may        not     prosecute         every       act      that
    furthers a bank fraud scheme, it may charge multiple executions
    of    a   single     scheme.           
    Colton, 231 F.3d at 908-09
    .            What
    constitutes an execution of a bank fraud scheme in a particular
    case depends on its underlying facts.                            See 
    Mancuso, 42 F.3d at 848
    .
    Established        principles         guide       our     analysis.          In    deciding
    whether     acts     constitute        separate          executions       of    a     bank     fraud
    scheme,     we    consider       whether      the       acts     are    independent          or    are
    “integrally        related”      so    that        “one    could       not     have      succeeded
    without the other.”              See 
    Colton, 231 F.3d at 909-10
    (internal
    quotation        marks     omitted).           An        act     constitutes         a    separate
    execution        when      it     is     “chronologically               and      substantively
    independent from the other acts charged as the scheme.”                                      
    Id. at 909
    (internal quotation marks omitted).                                Conversely, evidence
    that a defendant “planned or contemplated” certain acts together
    may       indicate        that     the        acts         are        interdependent,              and
    interdependent           acts    may     not       be     charged        separately.               
    Id. (internal quotation
    marks omitted).
    16
    Our     analysis    in     Mancuso    is        illustrative.              There,   the
    government     charged    the     defendants            with      multiple      counts    of
    substantive    bank     fraud     based    on       a     scheme    to    divert     checks
    associated with several contracts.                      
    Mancuso, 42 F.3d at 847
    .
    The government charged one count of substantive bank fraud for
    each diverted check.            See 
    id. In the
    defendants’ view, the
    government should have only charged one count of bank fraud for
    each contract--not one count for each check.                         
    Id. We rejected
    the defendants’ argument, explaining that “the diversion of a
    separately identifiable and discrete amount of money can, as
    here,   be    properly    viewed     as        a    separate        execution      of    the
    defendants’ scheme to defraud.”            
    Id. at 848.
    The government in this case charged Adeyale with multiple
    counts of substantive bank fraud.                       Pertinent to this appeal,
    Count Five charged that Adeyale executed the scheme to defraud
    Bank of America based on the $5,000 withdrawal from Courtney
    Smith’s account.        Count Six charged that Adeyale executed this
    scheme based on the $600 withdrawal from Smith’s account.
    The     district     court     held           that     Counts       Five     and    Six
    constituted separate executions of the bank fraud scheme and
    thus denied Adeyale’s motion to dismiss.                       The court determined
    that the scheme was to deposit stolen checks and withdraw the
    accompanying    sums     in   a   variety          of     ways.      Accordingly,        the
    district court found, one deposit and all of the withdrawals
    17
    pertaining     to    that      deposit    constituted       an    execution      of    the
    scheme.      Because the court determined that the withdrawals in
    Counts Five and Six pertained to separate deposits, it denied
    Adeyale’s motion as to those counts.
    Adeyale    maintains     that     “the     execution      of   the    scheme     to
    defraud     here    was   to    obtain    access      to   another     person’s        bank
    account for the purpose of cycling money through that account.”
    Appellant’s Br. at 32.             He thus contends that the use of each
    Bank of America account--not each deposit/withdrawal pairing--
    constituted an execution of the scheme. 7                  We disagree.
    In making this argument, Adeyale attempts to analogize this
    case to United States v. Heath, 
    970 F.2d 1397
    (5th Cir. 1992).
    There, the court held that a real-estate transaction involving
    two     separate     loans       from     the      same    financial         institution
    constituted one execution of the scheme.                   
    Id. at 1402.
           Based on
    the underlying facts, the court determined that the two loans
    “were     integrally      related”      and    “one   could      not   have    succeeded
    without the other,” as both loans were made for the purpose of
    facilitating the sale of a tract of land in Florida.                         See 
    id. 7 At
    oral argument, but not in his opening brief, Adeyale
    asserted that the record was unclear as to whether the
    withdrawals at issue in Counts Five and Six actually related to
    separate deposits.    Adeyale has waived this argument by not
    raising it in his opening brief.    See United States v. Leeson,
    
    453 F.3d 631
    , 638 n.4 (4th Cir. 2006).
    18
    As we have explained, what constitutes an execution of a
    particular     bank      fraud    scheme      depends     on     the    facts     at    issue.
    Heath does not involve similar facts to those presented here.
    Whereas in Heath one loan could not have succeeded without the
    other, the deposit/withdrawal pairings in this case were not
    related to each other in the same way.
    Each    deposit/withdrawal             pairing     was     “chronologically          and
    substantively       independent         from      the    other        [deposit/withdrawal
    pairings] charged as the scheme.”                    See 
    Colton, 231 F.3d at 909
    (internal      quotation        marks    omitted).            Put     another     way,     the
    success or failure of one deposit/withdrawal pairing did not
    rely on the success or failure of another such pairing.                                We thus
    reject Adeyale’s broader proposed unit of prosecution.
    Moreover, Adeyale’s argument mischaracterizes the nature of
    the   overarching        scheme.        It     is    true     that      Adeyale    and     his
    coconspirators used multiple Bank of America accounts to further
    their fraud.          But the scheme in no way depended on using a
    certain account for a particular deposit and its corresponding
    withdrawals.          If    a     certain      account          was    unavailable,        the
    conspirators could simply deposit one or more stolen checks into
    a different account.
    In     sum,   we     discern      no    error      in     the    district        court’s
    determination       that,       based   on     the      facts    of     this    case,     each
    deposit      and    its     corresponding            withdrawals         constituted        an
    19
    execution of the scheme.            We therefore hold that Counts Five and
    Six are not multiplicitous.
    D.
    Finally, Adeyale argues that his sentence is unreasonable
    in light of the 18 U.S.C. § 3553(a) sentencing factors.                              We
    review a sentence for procedural and substantive reasonableness
    under a deferential abuse-of-discretion standard.                     United States
    v. Savillon-Matute, 
    636 F.3d 119
    , 122-23 (4th Cir. 2011).                             A
    sentence     within    or   below    the       applicable     Guidelines     range   is
    presumptively reasonable.            United States v. Susi, 
    674 F.3d 278
    ,
    289 (4th Cir. 2012).
    Adeyale does not assert that the district court committed
    procedural error, but he argues that the district court’s below-
    Guidelines        sentence           is         substantively         unreasonable.
    Specifically,     he    contends      that      the   court    failed   to     account
    sufficiently     for    the    need       to    avoid   unwarranted        sentencing
    disparities and for his personal history and characteristics.
    Adeyale also asserts that the district court placed too much
    emphasis on deterrence and not enough on Adeyale’s allegedly low
    risk    of   recidivism.        The        record     does     not   support    these
    arguments.      As explained below, the district court carefully
    considered each of these arguments and imposed a below-Guideline
    sentence that accounted for these concerns.
    20
    First, Adeyale’s contention that his sentence resulted in
    an   unwarranted      sentencing       disparity           between    him        and     his
    codefendants is without merit.                    The district court sentenced
    Otuya to 96 months’ imprisonment and another codefendant to 48
    months’ imprisonment.          Adeyale asserts that his sentence should
    have been lower than 84 months considering Otuya’s allegedly
    more senior role in the conspiracy and his more severe conduct.
    Recognizing       Adeyale’s     argument,          the     district       court        first
    explained that assessing any unwarranted disparity was difficult
    in this case because some coconspirators cooperated with the
    government, which may have influenced their resulting charges
    and sentences.      The district court acknowledged that Adeyale did
    not initiate the scheme but explained that he was soon able to
    run the scheme for his own benefit.                     Based on these facts, the
    court imposed a sentence that was twelve months shorter than the
    sentence Otuya received.
    Second,   contrary     to    Adeyale’s          allegation,       the     district
    court     sufficiently        considered          his     personal        history       and
    characteristics.         The        court        acknowledged      Adeyale’s           post-
    conviction    acceptance       of    responsibility,         but     it    weighed       his
    belated    acceptance    of    responsibility            against   other        sentencing
    factors.     The court also recognized Adeyale’s youth; it weighed
    his young age, however, against his serious role in the scheme,
    21
    the    fact   that    he   ran   other   fraud       schemes,       and    the       negative
    consequences of his actions on many people.
    Third, we find unpersuasive Adeyale’s contention that the
    district court placed too much emphasis on the deterrence of
    others and not enough on his allegedly low risk of recidivism.
    The district court properly considered deterrence.                         In addition,
    the     court     found      that    Adeyale’s            belated     acceptance           of
    responsibility demonstrated the deterrent value in imposing the
    84-month      sentence     and   hoped   that       the    sentence       would       prevent
    Adeyale from repeating his criminal conduct.
    Adeyale,      at    bottom,   asks      us    to    reweigh        the    § 3553(a)
    factors.      This is outside of our purview.                We “must defer to the
    trial     court      and   can   reverse       a     sentence       only        if    it   is
    unreasonable.”         United States v. Evans, 
    526 F.3d 155
    , 160 (4th
    Cir.     2008).       Accordingly,       we     affirm      the     district         court’s
    sentence.
    III.
    For the foregoing reasons, we affirm the district court’s
    judgment.
    AFFIRMED
    22