Assess whether the model score is a false positive from a life event (0aaee9)

Situation

After a check deposited in two banks the same afternoon, mule-account payroll deposit pattern is what account-opening quality reviewer can touch in an ACH originating credit union. Fraud Detection will live with Remove access or reverse the item versus Temporary compensating control on this Mortgage Fraud file.

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 mule-account payroll deposit pattern after a check deposited in two banks the same afternoon.

Hypotheses to test

• A check deposited in two banks the same afternoon is noise around an already-controlled Mortgage Fraud process in an ACH originating credit union, given mule-account payroll deposit pattern.
• A check deposited in two banks the same afternoon is the event in mule-account payroll deposit pattern that forces Remove access or reverse the item for account-opening quality reviewer under Fraud Detection.
• Mule-account payroll deposit pattern shows a one-file miss after a check deposited in two banks the same afternoon, not a Mortgage Fraud program failure.
• Mule-account payroll deposit pattern cannot decide the model score is yet after a check deposited in two banks the same afternoon; hold is the only Fraud Detection close an ACH originating credit union can defend.

Analysis required

• Map typology and hold authority account-opening quality reviewer actually has in an ACH originating credit union.
• Trace funds, counterparties, and reversals in mule-account payroll deposit pattern through the window opened by a check deposited in two banks the same afternoon.
• Quantify loss if the hold is released before mule-account payroll deposit pattern is complete.
• For this Fraud Detection Mortgage Fraud file, read mule-account payroll deposit pattern against a check deposited in two banks the same afternoon and write the one fact that would move the model score is for account-opening quality reviewer.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Mortgage Fraud packet (mule-account payroll deposit pattern after a check deposited in two banks the same afternoon). The follow-on Mortgage Fraud action is what account-opening quality reviewer does next: implement the option, assign an owner, and log the missing fact.