Assess whether a SAR narrative is supportable today (8501e0)

Situation

The desk packet is mule-account payroll deposit pattern after a mule account receiving 14 unrelated payrolls in a week. Synthetic-identity detection manager in a mortgage correspondent channel has to name Remove access or reverse the item or Temporary compensating control for this Fraud Detection Payments Fraud file.

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 mule-account payroll deposit pattern after a mule account receiving 14 unrelated payrolls in a week.

Hypotheses to test

• The population in mule-account payroll deposit pattern is the one a mule account receiving 14 unrelated payrolls in a week named, so Remove access or reverse the item follows for this Payments Fraud file.
• The population in mule-account payroll deposit pattern is adjacent only to a mule account receiving 14 unrelated payrolls in a week; Temporary compensating control is the honest Fraud Detection call.
• A mortgage correspondent channel already contained a mule account receiving 14 unrelated payrolls in a week before mule-account payroll deposit pattern arrived; no new Payments Fraud path.
• Provenance on mule-account payroll deposit pattern after a mule account receiving 14 unrelated payrolls in a week is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

Analysis required

• Map typology and hold authority synthetic-identity detection manager actually has in a mortgage correspondent channel.
• Trace funds, counterparties, and reversals in mule-account payroll deposit pattern through the window opened by a mule account receiving 14 unrelated payrolls in a week.
• Quantify loss if the hold is released before mule-account payroll deposit pattern is complete.
• For this Fraud Detection Payments Fraud file, read mule-account payroll deposit pattern against a mule account receiving 14 unrelated payrolls in a week 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 (mule-account payroll deposit pattern after a mule account receiving 14 unrelated payrolls in a week). Lead with the Fraud Detection option mule-account payroll deposit pattern can support after a mule account receiving 14 unrelated payrolls in a week, then the two facts that force it, then the Monday action for synthetic-identity detection manager in a mortgage correspondent channel.