Assess whether a SAR narrative is supportable today (762f56)

Situation

Synthetic identity application cluster arrived with a check deposited in two banks the same afternoon for synthetic-identity detection manager. That is a Fraud Detection Claims and Benefits Fraud decision on a SAR narrative is in an ACH originating credit union.

Decision

Synthetic-identity detection manager in an ACH originating credit union must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using synthetic identity application cluster after a check deposited in two banks the same afternoon.

Hypotheses to test

• The population in synthetic identity application cluster is the one a check deposited in two banks the same afternoon named, so Remove access or reverse the item follows for this Claims and Benefits Fraud file.
• The population in synthetic identity application cluster is adjacent only to a check deposited in two banks the same afternoon; Temporary compensating control is the honest Fraud Detection call.
• An ACH originating credit union already contained a check deposited in two banks the same afternoon before synthetic identity application cluster arrived; no new Claims and Benefits Fraud path.
• Provenance on synthetic identity application cluster after a check deposited in two banks the same afternoon is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

Analysis required

• Trace funds, counterparties, and reversals in synthetic identity application cluster through the window opened by a check deposited in two banks the same afternoon.
• Quantify loss if the hold is released before synthetic identity application cluster is complete.
• Test a one-off dispute against the first edge of a scheme around a SAR narrative is.
• For this Fraud Detection Claims and Benefits Fraud file, read synthetic identity application cluster against a check deposited in two banks the same afternoon 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 / Claims and Benefits Fraud packet (synthetic identity application cluster after a check deposited in two banks the same afternoon). Lead with the Fraud Detection option synthetic identity application cluster can support after a check deposited in two banks the same afternoon, then the two facts that force it, then the Monday action for synthetic-identity detection manager in an ACH originating credit union.