Michelle Ellis, 32, charged with 132 fraud offences, accused of mobile phone sim card scam

State fraud detectives didn't oppose bail for Michelle Ellis, 32, who fronted Tamworth Local Court on Wednesday morning - less than 24 hours after her arrest.

She is accused of 132 fraud offences, and is alleged to be part of a criminal syndicate operating in Sydney between 2016 and 2018.

It's the police case that Ellis was part of the criminal syndicate and allegedly dishonestly obtained the identity information of victims through a mobile SIM card swap scam and then later used it for a financial benefit.

Ellis was not required to enter pleas to the charges on Wednesday morning.

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She faces 84 allegations of dealing with identity information to commit an indictable offence; multiple counts of possessing identity information to commit indictable offence; dishonestly obtaining property by deception; dishonestly obtaining financial advantage by deception; knowingly dealing with the proceeds of crime; unauthorised modification of data with intent to cause impairment; and participating in a criminal group.

The court heard the charges triggered a show cause hurdle for bail because it included a serious indictable offence allegedly committed while on bail or parole.

But as part of her conditions, magistrate Julie Soars said she will have to report to Tamworth police daily, and live in West Tamworth.

Ellis is not allowed to contact three people, or any witnesses, and must not get a passport or try and and leave the country.

She's also banned from using or possessing more than one mobile phone; must not contact any phone provider unless its for her sole phone account; and must provide police with her personal phone number.

The case will return to court in November, after police serve a brief of evidence.

Ellis was arrested after presenting to the Sydney-based detectives at Tamworth police station shortly before 1.30pm on Tuesday. She was questioned by investigators and spent the night in custody before fronting court.

Strike Force Naiooka was setup in January 2018 by the State Crime Command's Financial Crimes Squad to home in on those suspected of being involved in a fraud syndicate operating in Sydney's Inner West area over a two-year period up to 2018.

Detectives moved on a 37-year-old man in November 2018, arresting him in Redfern before charging him with 162 fraud-related offences. He remains before the court, police said.

After extensive investigators, detectives travelled to Tamworth before Tuesday's arrest.

Police said the investigations by Strike Force Naiooka are continuing.