Assess whether a claims ring exists or is coincidental overlap (d23b4e)

Situation

Three applications sharing one employer EIN and no payroll put bust-out credit-line utilization curve in front of SIU investigator in a P&C carrier's auto-body network. This Fraud Detection / Mortgage Fraud close is a claims ring exists from bust-out credit-line utilization curve, and the live options are A claims ring exists, Is coincidental overlap.

Decision

SIU investigator in a P&C carrier's auto-body network must choose A claims ring exists / Is coincidental overlap using bust-out credit-line utilization curve after three applications sharing one employer EIN and no payroll.

Hypotheses to test

• The population in bust-out credit-line utilization curve is the one three applications sharing one employer EIN and no payroll named, so A claims ring exists follows for this Mortgage Fraud file.
• The population in bust-out credit-line utilization curve is adjacent only to three applications sharing one employer EIN and no payroll; Is coincidental overlap is the honest Fraud Detection call.
• A P&C carrier's auto-body network already contained three applications sharing one employer EIN and no payroll before bust-out credit-line utilization curve arrived; no new Mortgage Fraud path.
• Provenance on bust-out credit-line utilization curve after three applications sharing one employer EIN and no payroll is broken; do not pick A claims ring exists or Is coincidental overlap yet.

Analysis required

• Map typology and hold authority SIU investigator actually has in a P&C carrier's auto-body network.
• Trace funds, counterparties, and reversals in bust-out credit-line utilization curve through the window opened by three applications sharing one employer EIN and no payroll.
• Quantify loss if the hold is released before bust-out credit-line utilization curve is complete.
• For this Fraud Detection Mortgage Fraud file, read bust-out credit-line utilization curve against three applications sharing one employer EIN and no payroll and write the one fact that would move a claims ring exists for SIU investigator.

Recommendation

Choose A claims ring exists / Is coincidental overlap on this Fraud Detection / Mortgage Fraud packet (bust-out credit-line utilization curve after three applications sharing one employer EIN and no payroll). The follow-on Mortgage Fraud action is what SIU investigator does next: implement the option, assign an owner, and log the missing fact.