THE diamonds and sapphires were stored under her desk and never worn, the four multimillion-dollar beachside apartments left unattended.

And when detectives finally came to arrest the Sydney mother Rijina Rita Subramaniam for defrauding her employer of $45 million, not one of the luxury items she had bought with the money was among her personal possessions.

Rajina Subramaniam ... defrauded her employer of $45 million. Credit:Janie Barrett

In one of the largest cases of fraud by a woman in NSW history, Subramaniam repeatedly siphoned off tens of thousands of dollars from ING Australia, where she was an accountant for more than a decade.

The 41-year-old from Castle Hill spent the money on seven prestige properties - including four units on Bondi Beach's exclusive Campbell Parade - 600 pieces of designer jewellery, and 200 perfume and make-up items. But then she never touched them.