Assess whether a claims ring exists or is coincidental overlap (7369cc)

Situation

Claims special-investigation lead in a regional bank's card portfolio has one working extract — mule-account payroll deposit pattern — after a mule account receiving 14 unrelated payrolls in a week. If mule-account payroll deposit pattern cannot support a claims ring exists, the honest Fraud Detection output is hold.

Decision

Claims special-investigation lead in a regional bank's card portfolio must choose A claims ring exists / Is coincidental overlap using mule-account payroll deposit pattern after a mule account receiving 14 unrelated payrolls in a week.

Hypotheses to test

• Mule-account payroll deposit pattern reads as A claims ring exists once a mule account receiving 14 unrelated payrolls in a week is lined up to the same Fraud Detection population.
• Mule-account payroll deposit pattern is closer to Is coincidental overlap after a mule account receiving 14 unrelated payrolls in a week; A claims ring exists would over-claim this Claims and Benefits Fraud extract.
• A dual reading is still live in mule-account payroll deposit pattern for claims special-investigation lead in a regional bank's card portfolio.
• Mule-account payroll deposit pattern is missing the fact claims special-investigation lead needs after a mule account receiving 14 unrelated payrolls in a week; stop this Fraud Detection close.

Analysis required

• Trace funds, counterparties, and reversals in mule-account payroll deposit pattern through the window opened by a mule account receiving 14 unrelated payrolls in a week.
• Quantify loss if the hold is released before mule-account payroll deposit pattern is complete.
• Test a one-off dispute against the first edge of a scheme around a claims ring exists.
• For this Fraud Detection Claims and Benefits Fraud file, read mule-account payroll deposit pattern against a mule account receiving 14 unrelated payrolls in a week and write the one fact that would move a claims ring exists for claims special-investigation lead.

Recommendation

Choose A claims ring exists / Is coincidental overlap on this Fraud Detection / Claims and Benefits Fraud packet (mule-account payroll deposit pattern after a mule account receiving 14 unrelated payrolls in a week). The follow-on Claims and Benefits Fraud action is what claims special-investigation lead does next: implement the option, assign an owner, and log the missing fact.