A city welfare worker created a fake family — using the names and Social Security numbers of other people’s children — to scam taxpayers out of $190,000 meant for the needy, authorities said.

Her scheme caused at least one child to be denied legitimate benefits because the kid’s name was part of her fabricated case, the city Department of Investigation said Thursday.

Sandra Garcia, 56, a former Human Resources Administration acting deputy director, used her access to HRA computers to maintain the fraudulent welfare case, according to charges she was arraigned on Thursday in Manhattan federal court.

The accused scammer is charged with theft of government funds and other counts with maximum sentences ranging from two to 10 years in prison.

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