Assess whether a claims ring exists or is coincidental overlap (48ba3d)

Situation

After three applications sharing one employer EIN and no payroll, mule-account payroll deposit pattern is what account-opening quality reviewer can touch in an ACH originating credit union. Fraud Detection will live with A claims ring exists versus Is coincidental overlap on this Mortgage Fraud file.

Decision

Account-opening quality reviewer in an ACH originating credit union must choose A claims ring exists / Is coincidental overlap using mule-account payroll deposit pattern after three applications sharing one employer EIN and no payroll.

Hypotheses to test

• Authorize A claims ring exists now; mule-account payroll deposit pattern already has the discriminator after three applications sharing one employer EIN and no payroll.
• Keep Is coincidental overlap in force until mule-account payroll deposit pattern is completed after three applications sharing one employer EIN and no payroll for account-opening quality reviewer.
• Treat mule-account payroll deposit pattern as A claims ring exists because both readings appear after three applications sharing one employer EIN and no payroll.
• Refuse a Fraud Detection close: account-opening quality reviewer does not have the page a claims ring exists turns on in mule-account payroll deposit pattern.

Analysis required

• Trace funds, counterparties, and reversals in mule-account payroll deposit pattern through the window opened by three applications sharing one employer EIN and no payroll.
• 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 Mortgage Fraud file, read mule-account payroll deposit pattern against three applications sharing one employer EIN and no payroll and write the one fact that would move a claims ring exists for account-opening quality reviewer.

Recommendation

Choose A claims ring exists / Is coincidental overlap on this Fraud Detection / Mortgage Fraud packet (mule-account payroll deposit pattern after three applications sharing one employer EIN and no payroll). If mule-account payroll deposit pattern cannot force a Fraud Detection label under Mortgage Fraud, stop. Do not invent pages an ACH originating credit union does not have.