Assess whether a SAR narrative is supportable today (062419)

Situation

Card-issuing fraud analyst in a credit-card issuer during a holiday-authorization spike has one working extract — straw-buyer occupancy file — after a clinic billing the same modifier on 80% of visits. If straw-buyer occupancy file cannot support a SAR narrative is, the honest Fraud Detection output is hold.

Decision

Card-issuing fraud analyst 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 straw-buyer occupancy file after a clinic billing the same modifier on 80% of visits.

Hypotheses to test

• The population in straw-buyer occupancy file is the one a clinic billing the same modifier on 80% of visits named, so Remove access or reverse the item follows for this Payments Fraud file.
• The population in straw-buyer occupancy file is adjacent only to a clinic billing the same modifier on 80% of visits; Temporary compensating control is the honest Fraud Detection call.
• A credit-card issuer during a holiday-authorization spike already contained a clinic billing the same modifier on 80% of visits before straw-buyer occupancy file arrived; no new Payments Fraud path.
• Provenance on straw-buyer occupancy file after a clinic billing the same modifier on 80% of visits is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

Analysis required

• Map typology and hold authority card-issuing fraud analyst actually has in a credit-card issuer during a holiday-authorization spike.
• Trace funds, counterparties, and reversals in straw-buyer occupancy file through the window opened by a clinic billing the same modifier on 80% of visits.
• Quantify loss if the hold is released before straw-buyer occupancy file is complete.
• For this Fraud Detection Payments Fraud file, read straw-buyer occupancy file against a clinic billing the same modifier on 80% of visits and write the one fact that would move a SAR narrative is for card-issuing fraud analyst.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Payments Fraud packet (straw-buyer occupancy file after a clinic billing the same modifier on 80% of visits). The follow-on Payments Fraud action is what card-issuing fraud analyst does next: implement the option, assign an owner, and log the missing fact.