if the money was sent fraudulently, won't it be clawed back by zelle and the sending bank?
either the sender gets refunded (classic BTC for reversible payment method scam) or OP gets his money back. it can't be both. i hate to say it, but my money is on the payment getting reversed and OP permanently losing his account.
You are of course righter than right.
For some reason I totally discounted the most obvious angle - OP being scammed by a buyer. In that scenario the chances of salvaging any money are way, way lower unfortunately.
The combo of unauthorised business use, lack of KYC and having to deal with payment reversals makes for a properly toxic customer.