Assess whether a provider should be suspended pending SIU (566fe9)

Situation

A check deposited in two banks the same afternoon put first-party friendly-fraud dispute pack in front of wire-desk escalation officer in a regional bank's card portfolio. This Fraud Detection / Payments Fraud close is a provider should be from first-party friendly-fraud dispute pack, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

Decision

Wire-desk escalation officer 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 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 Payments Fraud process in a regional bank's card portfolio, given first-party friendly-fraud dispute pack.
• A check deposited in two banks the same afternoon is the event in first-party friendly-fraud dispute pack that forces Remove access or reverse the item for wire-desk escalation officer under Fraud Detection.
• First-party friendly-fraud dispute pack shows a one-file miss after a check deposited in two banks the same afternoon, not a Payments Fraud program failure.
• First-party friendly-fraud dispute pack cannot decide a provider should be yet after a check deposited in two banks the same afternoon; hold is the only Fraud Detection close a regional bank's card portfolio can defend.

Analysis required

• Trace funds, counterparties, and reversals in first-party friendly-fraud dispute pack through the window opened by a check deposited in two banks the same afternoon.
• Quantify loss if the hold is released before first-party friendly-fraud dispute pack is complete.
• Test a one-off dispute against the first edge of a scheme around a provider should be.
• For this Fraud Detection Payments Fraud file, read first-party friendly-fraud dispute pack against a check deposited in two banks the same afternoon and write the one fact that would move a provider should be for wire-desk escalation officer.

Recommendation

On this Fraud Detection / Payments Fraud decision, bind Remove access or reverse the item to first-party friendly-fraud dispute pack after a check deposited in two banks the same afternoon: if first-party friendly-fraud dispute pack supports it, wire-desk escalation officer executes Remove access or reverse the item in a regional bank's card portfolio and logs the owner. If first-party friendly-fraud dispute pack instead fits Temporary compensating control, take that path. Where first-party friendly-fraud dispute pack after a check deposited in two banks the same afternoon is silent, wire-desk escalation officer must do not infer a control or scheme beyond the transaction and entitlement evidence.