Assess whether to refer to law enforcement or keep civil (22583f)

SITUATION Account-takeover device-fingerprint graph arrived with a customer calling to reverse a 'authorized' card charge. Account-opening quality reviewer in an ACH originating credit union still has an evidence gap on whether to refer to law enforcement or keep civil.

DECISION Account-opening quality reviewer in an ACH originating credit union must choose To refer to law enforcement, Keep civil using account-takeover device-fingerprint graph after a customer calling to reverse a 'authorized' card charge. The question on that file is whether to refer to law enforcement or keep civil.

HYPOTHESES TO TEST 1. A customer calling to reverse a 'authorized' card charge is noise around an already-controlled Mortgage Fraud process in an ACH originating credit union, given account-takeover device-fingerprint graph. 2. A customer calling to reverse a 'authorized' card charge is the event in account-takeover device-fingerprint graph that forces To refer to law enforcement for account-opening quality reviewer under Fraud Detection. 3. Account-takeover device-fingerprint graph shows a one-file miss after a customer calling to reverse a 'authorized' card charge, not a Mortgage Fraud program failure. 4. Account-takeover device-fingerprint graph cannot decide to refer to law yet after a customer calling to reverse a 'authorized' card charge; hold is the only Fraud Detection close an ACH originating credit union can defend.

ANALYSIS REQUIRED 1. Test a one-off dispute against the first edge of a scheme around to refer to law. 2. Check mule or round-trip markers in account-takeover device-fingerprint graph. 3. Map typology and hold authority account-opening quality reviewer actually has in an ACH originating credit union. 4. For this Fraud Detection Mortgage Fraud file, read account-takeover device-fingerprint graph against a customer calling to reverse a 'authorized' card charge and write the one fact that would move to refer to law for account-opening quality reviewer.

RECOMMENDATION Choose To refer to law enforcement / Keep civil on this Fraud Detection / Mortgage Fraud packet (account-takeover device-fingerprint graph after a customer calling to reverse a 'authorized' card charge). The follow-on Mortgage Fraud action is what account-opening quality reviewer does next: implement the option, assign an owner, and log the missing fact.

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 account-opening quality reviewer - Hypothesis scorecard against account-takeover device-fingerprint graph: supported / rejected / untestable - Named option among To refer to law enforcement, Keep civil and the fact that kills the others - Owner and next date for account-opening quality reviewer in an ACH originating credit union