Assess whether a SAR narrative is supportable today (fbf8dd)

Situation

A SAR narrative is sits with bank BSA/AML case manager because a claims photo EXIF timestamp that predates the loss hit a regional bank's card portfolio. Evidence is ACH return-reason code R10 spike; write the Fraud Detection Mortgage Fraud option that extract can carry.

Decision

Bank BSA/AML case manager in a regional bank's card portfolio 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 claims photo EXIF timestamp that predates the loss.

Hypotheses to test

• Bank BSA/AML case manager can defend Remove access or reverse the item from ACH return-reason code R10 spike after a claims photo EXIF timestamp that predates the loss in a Fraud Detection challenge.
• Bank BSA/AML case manager cannot defend Remove access or reverse the item from ACH return-reason code R10 spike; Temporary compensating control is what the extract actually supports after a claims photo EXIF timestamp that predates the loss.
• A claims photo EXIF timestamp that predates the loss never reached the population in ACH return-reason code R10 spike — reopen intake, do not close a SAR narrative is.
• Two facts in ACH return-reason code R10 spike after a claims photo EXIF timestamp that predates the loss conflict for bank BSA/AML case manager; hold this Mortgage Fraud file.

Analysis required

• Trace funds, counterparties, and reversals in ACH return-reason code R10 spike through the window opened by a claims photo EXIF timestamp that predates the loss.
• Quantify loss if the hold is released before ACH return-reason code R10 spike is complete.
• Test a one-off dispute against the first edge of a scheme around a SAR narrative is.
• For this Fraud Detection Mortgage Fraud file, read ACH return-reason code R10 spike against a claims photo EXIF timestamp that predates the loss and write the one fact that would move a SAR narrative is for bank BSA/AML case manager.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Mortgage Fraud packet (ACH return-reason code R10 spike after a claims photo EXIF timestamp that predates the loss). The follow-on Mortgage Fraud action is what bank BSA/AML case manager does next: implement the option, assign an owner, and log the missing fact.