Assess whether to refer to law enforcement or keep civil (f5b079)

SITUATION After a mortgage occupancy affidavit contradicting utility records, account-takeover device-fingerprint graph is what payments-risk officer can touch in an ACH originating credit union. Fraud Detection will live with To refer to law enforcement versus Keep civil on this Payments Fraud file.

DECISION Payments-risk officer in an ACH originating credit union must choose To refer to law enforcement / Keep civil using account-takeover device-fingerprint graph after a mortgage occupancy affidavit contradicting utility records.

HYPOTHESES TO TEST 1. Authorize To refer to law enforcement now; account-takeover device-fingerprint graph already has the discriminator after a mortgage occupancy affidavit contradicting utility records. 2. Keep Keep civil in force until account-takeover device-fingerprint graph is completed after a mortgage occupancy affidavit contradicting utility records for payments-risk officer. 3. Treat account-takeover device-fingerprint graph as To refer to law enforcement because both readings appear after a mortgage occupancy affidavit contradicting utility records. 4. Refuse a Fraud Detection close: payments-risk officer does not have the decision to refer to law turns on in account-takeover device-fingerprint graph.

ANALYSIS REQUIRED 1. Quantify loss if the hold is released before account-takeover device-fingerprint graph is complete. 2. Test a one-off dispute against the first edge of a scheme around to refer to law. 3. Check mule or round-trip markers in account-takeover device-fingerprint graph. 4. For this Fraud Detection Payments Fraud file, read account-takeover device-fingerprint graph against a mortgage occupancy affidavit contradicting utility records and write the one fact that would move to refer to law for payments-risk officer.

RECOMMENDATION Choose To refer to law enforcement / Keep civil on this Fraud Detection / Payments Fraud packet (account-takeover device-fingerprint graph after a mortgage occupancy affidavit contradicting utility records). Lead with the Fraud Detection option account-takeover device-fingerprint graph can support after a mortgage occupancy affidavit contradicting utility records, then the two facts that force it, then the Monday action for payments-risk officer in an ACH originating credit union.

COMMAND RETURNS - Bottom-line Fraud Detection option on to refer to law, then the evidence in account-takeover device-fingerprint graph, then the action for payments-risk officer - Hypothesis scorecard against account-takeover device-fingerprint graph: supported / rejected / untestable - Payments Fraud finding in account-takeover device-fingerprint graph that a second reviewer can re-perform - Missing page in account-takeover device-fingerprint graph after a mortgage occupancy affidavit contradicting utility records, if any