Assess whether a SAR narrative is supportable today (c0298e)

Situation

Synthetic-identity detection manager in a mortgage correspondent channel has one working extract — bust-out credit-line utilization curve — after a new device from a different metro on a 2am login. If bust-out credit-line utilization curve cannot support a SAR narrative is, the honest Fraud Detection output is hold.

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 bust-out credit-line utilization curve after a new device from a different metro on a 2am login.

Hypotheses to test

• Authorize Remove access or reverse the item now; bust-out credit-line utilization curve already has the discriminator after a new device from a different metro on a 2am login.
• Keep Temporary compensating control in force until bust-out credit-line utilization curve is completed after a new device from a different metro on a 2am login for synthetic-identity detection manager.
• Treat bust-out credit-line utilization curve as Approve a documented exception because both readings appear after a new device from a different metro on a 2am login.
• Refuse a Fraud Detection close: synthetic-identity detection manager does not have the page a SAR narrative is turns on in bust-out credit-line utilization curve.

Analysis required

• Map typology and hold authority synthetic-identity detection manager actually has in a mortgage correspondent channel.
• Trace funds, counterparties, and reversals in bust-out credit-line utilization curve through the window opened by a new device from a different metro on a 2am login.
• Quantify loss if the hold is released before bust-out credit-line utilization curve is complete.
• For this Fraud Detection Payments Fraud file, read bust-out credit-line utilization curve against a new device from a different metro on a 2am login and write the one fact that would move a SAR narrative 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 (bust-out credit-line utilization curve after a new device from a different metro on a 2am login). Lead with the Fraud Detection option bust-out credit-line utilization curve can support after a new device from a different metro on a 2am login, then the two facts that force it, then the Monday action for synthetic-identity detection manager in a mortgage correspondent channel.