Assess whether the wire recall window is still open (ba4fb1)

SITUATION Bank BSA/AML case manager is responsible for the wire recall window in a regional bank's card portfolio, using straw-buyer occupancy file as the only working extract. A new device from a different metro on a 2am login is what reset the timeline for this Fraud Detection Mortgage Fraud file.

DECISION Bank BSA/AML case manager in a regional bank's card portfolio must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using straw-buyer occupancy file after a new device from a different metro on a 2am login.

HYPOTHESES TO TEST 1. A new device from a different metro on a 2am login is noise around an already-controlled Mortgage Fraud process in a regional bank's card portfolio, given straw-buyer occupancy file. 2. A new device from a different metro on a 2am login is the event in straw-buyer occupancy file that forces Remove access or reverse the item for bank BSA/AML case manager under Fraud Detection. 3. Straw-buyer occupancy file shows a one-file miss after a new device from a different metro on a 2am login, not a Mortgage Fraud program failure. 4. Straw-buyer occupancy file cannot decide the wire recall window yet after a new device from a different metro on a 2am login; hold is the only Fraud Detection close a regional bank's card portfolio can defend.

ANALYSIS REQUIRED 1. Test a one-off dispute against the first edge of a scheme around the wire recall window. 2. Check mule or round-trip markers in straw-buyer occupancy file. 3. Map typology and hold authority bank BSA/AML case manager actually has in a regional bank's card portfolio. 4. For this Fraud Detection Mortgage Fraud file, read straw-buyer occupancy file against a new device from a different metro on a 2am login and write the one fact that would move the wire recall window for bank BSA/AML case manager.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Mortgage Fraud packet (straw-buyer occupancy file after a new device from a different metro on a 2am login). If straw-buyer occupancy file cannot force a Fraud Detection label under Mortgage Fraud, stop. If straw-buyer occupancy file after a new device from a different metro on a 2am login cannot support Remove access or reverse the item versus Temporary compensating control on this Fraud Detection Mortgage Fraud close, bank BSA/AML case manager must do not infer a control or scheme beyond the transaction and entitlement evidence.

COMMAND RETURNS - Bottom-line Fraud Detection option on the wire recall window, then the evidence in straw-buyer occupancy file, then the action for bank BSA/AML case manager - Hypothesis scorecard against straw-buyer occupancy file: supported / rejected / untestable - Missing page in straw-buyer occupancy file after a new device from a different metro on a 2am login, if any - Regulatory or exam hook Mortgage Fraud would cite