Assess whether to refer to law enforcement or keep civil (f1059c)

SITUATION In an ACH originating credit union, check-kiting multi-bank float map is the evidence after a new device from a different metro on a 2am login. Payments-risk officer has to pick To refer to law enforcement or Keep civil for this Fraud Detection Payments Fraud close using check-kiting multi-bank float map.

DECISION Payments-risk officer in an ACH originating credit union must choose To refer to law enforcement / Keep civil using check-kiting multi-bank float map after a new device from a different metro on a 2am login.

HYPOTHESES TO TEST 1. Payments-risk officer can defend To refer to law enforcement from check-kiting multi-bank float map after a new device from a different metro on a 2am login in a Fraud Detection challenge. 2. Payments-risk officer cannot defend To refer to law enforcement from check-kiting multi-bank float map; Keep civil is what the extract actually supports after a new device from a different metro on a 2am login. 3. A new device from a different metro on a 2am login never reached the population in check-kiting multi-bank float map — reopen intake, do not close to refer to law. 4. Two facts in check-kiting multi-bank float map after a new device from a different metro on a 2am login conflict for payments-risk officer; hold this Payments Fraud file.

ANALYSIS REQUIRED 1. Trace funds, counterparties, and reversals in check-kiting multi-bank float map through the window opened by a new device from a different metro on a 2am login. 2. Quantify loss if the hold is released before check-kiting multi-bank float map is complete. 3. Test a one-off dispute against the first edge of a scheme around to refer to law. 4. For this Fraud Detection Payments Fraud file, read check-kiting multi-bank float map against a new device from a different metro on a 2am login 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 (check-kiting multi-bank float map after a new device from a different metro on a 2am login). The follow-on Payments Fraud action is what payments-risk officer 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 check-kiting multi-bank float map, then the action for payments-risk officer - Hypothesis scorecard against check-kiting multi-bank float map: supported / rejected / untestable - Owner and next date for payments-risk officer in an ACH originating credit union - What changes to refer to law if a new device from a different metro on a 2am login is later withdrawn