The former CEO of a commercial lending business based in Hallandale Beach is accused of orchestrating a widespread securities fraud, spending investors’ money on a high-end lifestyle for himself and his family, federal prosecutors said Wednesday. Carl Ruderman, 81, of Miami-Dade County, was indicted in federal court Tuesday. While serving as the chairman of 1 Global Capital, he is alleged to have committed conspiracy to commit wire and mail fraud, wire fraud, and conspiracy to commit securities fraud, according to the indictment. Four others who were involved in the operation have pleaded guilty and were sentenced to prison: the company’s former CFO Alan G.