Assess whether to freeze, monitor, or close the account (d4695f)

SITUATION After an email that matches a known BEC lure almost exactly, first-party friendly-fraud dispute pack is what payments-risk officer can touch in a credit-card issuer during a holiday-authorization spike. Fraud Detection will live with To freeze, monitor, versus Close the account on this Claims and Benefits Fraud file.

DECISION Payments-risk officer in a credit-card issuer during a holiday-authorization spike must choose To freeze, monitor, / Close the account using first-party friendly-fraud dispute pack after an email that matches a known BEC lure almost exactly.

HYPOTHESES TO TEST 1. Authorize To freeze, monitor, now; first-party friendly-fraud dispute pack already has the discriminator after an email that matches a known BEC lure almost exactly. 2. Keep Close the account in force until first-party friendly-fraud dispute pack is completed after an email that matches a known BEC lure almost exactly for payments-risk officer. 3. Treat first-party friendly-fraud dispute pack as To freeze, monitor, because both readings appear after an email that matches a known BEC lure almost exactly. 4. Refuse a Fraud Detection close: payments-risk officer does not have the decision to freeze, monitor, or turns on in first-party friendly-fraud dispute pack.

ANALYSIS REQUIRED 1. Trace funds, counterparties, and reversals in first-party friendly-fraud dispute pack through the window opened by an email that matches a known BEC lure almost exactly. 2. Quantify loss if the hold is released before first-party friendly-fraud dispute pack is complete. 3. Test a one-off dispute against the first edge of a scheme around to freeze, monitor, or. 4. For this Fraud Detection Claims and Benefits Fraud file, read first-party friendly-fraud dispute pack against an email that matches a known BEC lure almost exactly and write the one fact that would move to freeze, monitor, or for payments-risk officer.

RECOMMENDATION Choose To freeze, monitor, / Close the account on this Fraud Detection / Claims and Benefits Fraud packet (first-party friendly-fraud dispute pack after an email that matches a known BEC lure almost exactly). If first-party friendly-fraud dispute pack cannot force a Fraud Detection label under Claims and Benefits Fraud, stop. If first-party friendly-fraud dispute pack after an email that matches a known BEC lure almost exactly cannot support To freeze, monitor, versus Close the account on this Fraud Detection Claims and Benefits Fraud close, payments-risk officer must do not infer a control or scheme beyond the transaction and entitlement evidence.

COMMAND RETURNS - Bottom-line Fraud Detection option on to freeze, monitor, or, then the evidence in first-party friendly-fraud dispute pack, then the action for payments-risk officer - Hypothesis scorecard against first-party friendly-fraud dispute pack: supported / rejected / untestable - Named option among To freeze, monitor,, Close the account and the fact that kills the others - Owner and next date for payments-risk officer in a credit-card issuer during a holiday-authorization spike