Assess whether a SAR narrative is supportable today (111c92)

Situation

An email that matches a known BEC lure almost exactly put mule-account payroll deposit pattern in front of payments-risk officer in a credit-card issuer during a holiday-authorization spike. This Fraud Detection / Claims and Benefits Fraud close is a SAR narrative is from mule-account payroll deposit pattern, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

Decision

Payments-risk officer in a credit-card issuer during a holiday-authorization spike must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using mule-account payroll deposit pattern after an email that matches a known BEC lure almost exactly.

Hypotheses to test

• Mule-account payroll deposit pattern reads as Remove access or reverse the item once an email that matches a known BEC lure almost exactly is lined up to the same Fraud Detection population.
• Mule-account payroll deposit pattern is closer to Temporary compensating control after an email that matches a known BEC lure almost exactly; Remove access or reverse the item would over-claim this Claims and Benefits Fraud extract.
• Approve a documented exception is still live in mule-account payroll deposit pattern for payments-risk officer in a credit-card issuer during a holiday-authorization spike.
• Mule-account payroll deposit pattern is missing the fact payments-risk officer needs after an email that matches a known BEC lure almost exactly; stop this Fraud Detection close.

Analysis required

• Map typology and hold authority payments-risk officer actually has in a credit-card issuer during a holiday-authorization spike.
• Trace funds, counterparties, and reversals in mule-account payroll deposit pattern through the window opened by an email that matches a known BEC lure almost exactly.
• Quantify loss if the hold is released before mule-account payroll deposit pattern is complete.
• For this Fraud Detection Claims and Benefits Fraud file, read mule-account payroll deposit pattern against an email that matches a known BEC lure almost exactly and write the one fact that would move a SAR narrative is for payments-risk officer.

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