Assess whether linked accounts should be treated as one case (4742f9)

Situation

After a mortgage occupancy affidavit contradicting utility records, BEC wire instruction-change email thread is what card-issuing fraud analyst can touch in a mortgage correspondent channel. Fraud Detection will live with Remove access or reverse the item versus Temporary compensating control on this Mortgage Fraud file.

Decision

Card-issuing fraud analyst in a mortgage correspondent channel must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using BEC wire instruction-change email thread after a mortgage occupancy affidavit contradicting utility records.

Hypotheses to test

• A mortgage occupancy affidavit contradicting utility records is noise around an already-controlled Mortgage Fraud process in a mortgage correspondent channel, given BEC wire instruction-change email thread.
• A mortgage occupancy affidavit contradicting utility records is the event in BEC wire instruction-change email thread that forces Remove access or reverse the item for card-issuing fraud analyst under Fraud Detection.
• BEC wire instruction-change email thread shows a one-file miss after a mortgage occupancy affidavit contradicting utility records, not a Mortgage Fraud program failure.
• BEC wire instruction-change email thread cannot decide linked accounts should be yet after a mortgage occupancy affidavit contradicting utility records; hold is the only Fraud Detection close a mortgage correspondent channel can defend.

Analysis required

• Trace funds, counterparties, and reversals in BEC wire instruction-change email thread through the window opened by a mortgage occupancy affidavit contradicting utility records.
• Quantify loss if the hold is released before BEC wire instruction-change email thread is complete.
• Test a one-off dispute against the first edge of a scheme around linked accounts should be.
• For this Fraud Detection Mortgage Fraud file, read BEC wire instruction-change email thread against a mortgage occupancy affidavit contradicting utility records and write the one fact that would move linked accounts should be for card-issuing fraud analyst.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Mortgage Fraud packet (BEC wire instruction-change email thread after a mortgage occupancy affidavit contradicting utility records). Lead with the Fraud Detection option BEC wire instruction-change email thread can support after a mortgage occupancy affidavit contradicting utility records, then the two facts that force it, then the Monday action for card-issuing fraud analyst in a mortgage correspondent channel.