Assess whether linked accounts should be treated as one case (b2bd09)

Situation

Bank BSA/AML case manager in a regional bank's card portfolio has one working extract — first-party friendly-fraud dispute pack — after an email that matches a known BEC lure almost exactly. If first-party friendly-fraud dispute pack cannot support linked accounts should be, the honest Fraud Detection output is hold.

Decision

Bank BSA/AML case manager in a regional bank's card portfolio must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using first-party friendly-fraud dispute pack after an email that matches a known BEC lure almost exactly.

Hypotheses to test

• First-party friendly-fraud dispute pack reads as Remove access or reverse the item once an email that matches a known BEC lure almost exactly is lined up to the same Fraud Detection population.
• First-party friendly-fraud dispute pack is closer to Temporary compensating control after an email that matches a known BEC lure almost exactly; Remove access or reverse the item would over-claim this Mortgage Fraud extract.
• Approve a documented exception is still live in first-party friendly-fraud dispute pack for bank BSA/AML case manager in a regional bank's card portfolio.
• First-party friendly-fraud dispute pack is missing the fact bank BSA/AML case manager needs after an email that matches a known BEC lure almost exactly; stop this Fraud Detection close.

Analysis required

• Check mule or round-trip markers in first-party friendly-fraud dispute pack.
• Map typology and hold authority bank BSA/AML case manager actually has in a regional bank's card portfolio.
• Trace funds, counterparties, and reversals in first-party friendly-fraud dispute pack through the window opened by an email that matches a known BEC lure almost exactly.
• For this Fraud Detection Mortgage Fraud file, read first-party friendly-fraud dispute pack against an email that matches a known BEC lure almost exactly and write the one fact that would move linked accounts should be for bank BSA/AML case manager.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Mortgage Fraud packet (first-party friendly-fraud dispute pack after an email that matches a known BEC lure almost exactly). The follow-on Mortgage Fraud action is what bank BSA/AML case manager does next: implement the option, assign an owner, and log the missing fact.