Assess whether linked accounts should be treated as one case (2873c0)

Situation

A mule account receiving 14 unrelated payrolls in a week put account-takeover device-fingerprint graph in front of account-opening quality reviewer in an ACH originating credit union. This Fraud Detection / Mortgage Fraud close is linked accounts should be from account-takeover device-fingerprint graph, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

Decision

Account-opening quality reviewer in an ACH originating credit union must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using account-takeover device-fingerprint graph after a mule account receiving 14 unrelated payrolls in a week.

Hypotheses to test

• The population in account-takeover device-fingerprint graph is the one a mule account receiving 14 unrelated payrolls in a week named, so Remove access or reverse the item follows for this Mortgage Fraud file.
• The population in account-takeover device-fingerprint graph is adjacent only to a mule account receiving 14 unrelated payrolls in a week; Temporary compensating control is the honest Fraud Detection call.
• An ACH originating credit union already contained a mule account receiving 14 unrelated payrolls in a week before account-takeover device-fingerprint graph arrived; no new Mortgage Fraud path.
• Provenance on account-takeover device-fingerprint graph after a mule account receiving 14 unrelated payrolls in a week is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

Analysis required

• Check mule or round-trip markers in account-takeover device-fingerprint graph.
• Map typology and hold authority account-opening quality reviewer actually has in an ACH originating credit union.
• Trace funds, counterparties, and reversals in account-takeover device-fingerprint graph through the window opened by a mule account receiving 14 unrelated payrolls in a week.
• For this Fraud Detection Mortgage Fraud file, read account-takeover device-fingerprint graph against a mule account receiving 14 unrelated payrolls in a week and write the one fact that would move linked accounts should be for account-opening quality reviewer.

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