Assess whether the model score is a false positive from a life event (f6d9fc)

SITUATION The working file is ACH return-reason code R10 spike after a customer calling to reverse a 'authorized' card charge. Synthetic-identity detection manager in a mortgage correspondent channel has to name Remove access or reverse the item or Temporary compensating control for this Fraud Detection Payments Fraud file.

DECISION Synthetic-identity detection manager in a mortgage correspondent channel must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using ACH return-reason code R10 spike after a customer calling to reverse a 'authorized' card charge.

HYPOTHESES TO TEST 1. ACH return-reason code R10 spike reads as Remove access or reverse the item once a customer calling to reverse a 'authorized' card charge is lined up to the same Fraud Detection population. 2. ACH return-reason code R10 spike is closer to Temporary compensating control after a customer calling to reverse a 'authorized' card charge; Remove access or reverse the item would over-claim this Payments Fraud extract. 3. Approve a documented exception is still live in ACH return-reason code R10 spike for synthetic-identity detection manager in a mortgage correspondent channel. 4. ACH return-reason code R10 spike is missing the fact synthetic-identity detection manager needs after a customer calling to reverse a 'authorized' card charge; stop this Fraud Detection close.

ANALYSIS REQUIRED 1. Map typology and hold authority synthetic-identity detection manager actually has in a mortgage correspondent channel. 2. Trace funds, counterparties, and reversals in ACH return-reason code R10 spike through the window opened by a customer calling to reverse a 'authorized' card charge. 3. Quantify loss if the hold is released before ACH return-reason code R10 spike is complete. 4. For this Fraud Detection Payments Fraud file, read ACH return-reason code R10 spike against a customer calling to reverse a 'authorized' card charge and write the one fact that would move the model score is for synthetic-identity detection manager.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Payments Fraud packet (ACH return-reason code R10 spike after a customer calling to reverse a 'authorized' card charge). The follow-on Payments Fraud action is what synthetic-identity detection manager does next: implement the option, assign an owner, and log the missing fact.

COMMAND RETURNS - Bottom-line Fraud Detection option on the model score is, then the evidence in ACH return-reason code R10 spike, then the action for synthetic-identity detection manager - Hypothesis scorecard against ACH return-reason code R10 spike: supported / rejected / untestable - Named option among Remove access or reverse the item, Temporary compensating control, Approve a documented exception and the fact that kills the others - Owner and next date for synthetic-identity detection manager in a mortgage correspondent channel