Eddie Murphy's Ex-Wife -- Conman Indicted in $7 Million Scam

Eddie Murphy's ex-wife is out $7 million -- and now, the man accused of conning her out of the dough has been indicted on charges of money laundering, mail fraud and obstruction of justice.

According to the federal indictment, Troy Stratos defrauded Nicole Murphy out of a massive chunk of her divorce settlement from Eddie -- $7 million in all ... nearly half of what she took away from the marriage.

According to the docs, Stratos acted as Nicole's financial manager -- telling her he had invested her millions overseas, when in fact he transferred the lion's share of the money to his personal accounts.

Stratos also allegedly promised to help her sell her swanky home in Granite Bay, CA -- but secretly lived there instead ... rent-free ... all while leasing luxury cars with her money.

What's more ... Stratos allegedly convinced Nicole to refinance the home -- as well as her other pad in Sacramento -- and then used the money to cover his personal expenses.