Tracey Buckley, an officer with the Bank of New York Mellon, allegedly stole $2,719,674 by fraudulently making 40 wire transfers from her bank into her personal account from 2008 to 2010, according to a federal grand jury indictment.
Buckley pleaded not guilty and was released on bond after surrendering her passport, court records show.
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Her attorney, Jeffrey King of Dallas, said it was too early to comment.
"We're just kind of in the infancy of the case," he said. "We don't even have the evidence yet."
Agents seized several vehicles they claimed Buckley bought with stolen funds, including a 2010 Buick Lucerne, a 2007 Dodge Ram 2500 quad pickup, a 2008 Dodge Durango sport utility vehicle and a 2002 Freightliner diesel tractor.
Prosecutors claim she also bought two homes in Palmer, south of Dallas.
King said she lives in one of the homes and family members live in the other.