Assess whether the wire recall window is still open (eaf3fc)

SITUATION Three applications sharing one employer EIN and no payroll put straw-buyer occupancy file in front of account-opening quality reviewer in a mortgage correspondent channel. This Fraud Detection / Claims and Benefits Fraud decision is the wire recall window from straw-buyer occupancy file, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

DECISION Account-opening quality reviewer in a mortgage correspondent channel must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using straw-buyer occupancy file after three applications sharing one employer EIN and no payroll.

HYPOTHESES TO TEST 1. Authorize Remove access or reverse the item now; straw-buyer occupancy file already has the discriminator after three applications sharing one employer EIN and no payroll. 2. Keep Temporary compensating control in force until straw-buyer occupancy file is completed after three applications sharing one employer EIN and no payroll for account-opening quality reviewer. 3. Treat straw-buyer occupancy file as Approve a documented exception because both readings appear after three applications sharing one employer EIN and no payroll. 4. Refuse a Fraud Detection close: account-opening quality reviewer does not have the decision the wire recall window turns on in straw-buyer occupancy file.

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 account-opening quality reviewer actually has in a mortgage correspondent channel. 4. For this Fraud Detection Claims and Benefits Fraud file, read straw-buyer occupancy file against three applications sharing one employer EIN and no payroll and write the one fact that would move the wire recall window for account-opening quality reviewer.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Claims and Benefits Fraud packet (straw-buyer occupancy file after three applications sharing one employer EIN and no payroll). The follow-on Claims and Benefits 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 the wire recall window, then the evidence in straw-buyer occupancy file, then the action for account-opening quality reviewer - Hypothesis scorecard against straw-buyer occupancy file: supported / rejected / untestable - What changes the wire recall window if three applications sharing one employer EIN and no payroll is later withdrawn - Named option among Remove access or reverse the item, Temporary compensating control, Approve a documented exception and the fact that kills the others