Stilly - A crime is committed if the accused derives undeserved "benefit" from something in which there's "participation." Withdrawing the interest would be a "participation" and any interest would be a "benefit."

IF HE HAD all the money and the interest he might have significant "negotiating power" for a plea bargain or for a waiver of prosecution. He might even be able to say "I didn't know what to do with it. How much is the reward?"

John