Assess whether the model score is a false positive from a life event (bb3b90)

SITUATION Payments Fraud work in a mortgage correspondent channel now turns on the model score is because a customer calling to reverse a 'authorized' card charge put straw-buyer occupancy file in play. Synthetic-identity detection manager should say what straw-buyer occupancy file proves.

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 straw-buyer occupancy file after a customer calling to reverse a 'authorized' card charge.

HYPOTHESES TO TEST 1. Straw-buyer occupancy file 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. Straw-buyer occupancy file 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 straw-buyer occupancy file for synthetic-identity detection manager in a mortgage correspondent channel. 4. Straw-buyer occupancy file 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 straw-buyer occupancy file through the window opened by a customer calling to reverse a 'authorized' card charge. 3. Quantify loss if the hold is released before straw-buyer occupancy file is complete. 4. For this Fraud Detection Payments Fraud file, read straw-buyer occupancy file 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 (straw-buyer occupancy file 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 straw-buyer occupancy file, then the action for synthetic-identity detection manager - Hypothesis scorecard against straw-buyer occupancy file: supported / rejected / untestable - Payments Fraud finding in straw-buyer occupancy file that a second reviewer can re-perform - Missing page in straw-buyer occupancy file after a customer calling to reverse a 'authorized' card charge, if any