Assess whether a payment hold survives a customer complaint (88f199)

Situation

A payment hold survives sits with account-opening quality reviewer because a mule account receiving 14 unrelated payrolls in a week hit an ACH originating credit union. Evidence is BEC wire instruction-change email thread; write the Fraud Detection Mortgage Fraud option that extract can carry.

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 BEC wire instruction-change email thread after a mule account receiving 14 unrelated payrolls in a week.

Hypotheses to test

• Account-opening quality reviewer can defend Remove access or reverse the item from BEC wire instruction-change email thread after a mule account receiving 14 unrelated payrolls in a week in a Fraud Detection challenge.
• Account-opening quality reviewer cannot defend Remove access or reverse the item from BEC wire instruction-change email thread; Temporary compensating control is what the extract actually supports after a mule account receiving 14 unrelated payrolls in a week.
• A mule account receiving 14 unrelated payrolls in a week never reached the population in BEC wire instruction-change email thread — reopen intake, do not close a payment hold survives.
• Two facts in BEC wire instruction-change email thread after a mule account receiving 14 unrelated payrolls in a week conflict for account-opening quality reviewer; hold this Mortgage Fraud file.

Analysis required

• Trace funds, counterparties, and reversals in BEC wire instruction-change email thread through the window opened by a mule account receiving 14 unrelated payrolls in a week.
• 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 a payment hold survives.
• For this Fraud Detection Mortgage Fraud file, read BEC wire instruction-change email thread against a mule account receiving 14 unrelated payrolls in a week and write the one fact that would move a payment hold survives 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 (BEC wire instruction-change email thread after a mule account receiving 14 unrelated payrolls in a week). 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.