Assess whether a claims ring exists or is coincidental overlap (993a16)

Situation

Mortgage Fraud work in an ACH originating credit union now turns on a claims ring exists because a check deposited in two banks the same afternoon put check-kiting multi-bank float map in play. Account-opening quality reviewer should say what check-kiting multi-bank float map proves.

Decision

Account-opening quality reviewer in an ACH originating credit union must choose A claims ring exists / Is coincidental overlap using check-kiting multi-bank float map after a check deposited in two banks the same afternoon.

Hypotheses to test

• Authorize A claims ring exists now; check-kiting multi-bank float map already has the discriminator after a check deposited in two banks the same afternoon.
• Keep Is coincidental overlap in force until check-kiting multi-bank float map is completed after a check deposited in two banks the same afternoon for account-opening quality reviewer.
• Treat check-kiting multi-bank float map as A claims ring exists because both readings appear after a check deposited in two banks the same afternoon.
• Refuse a Fraud Detection close: account-opening quality reviewer does not have the page a claims ring exists turns on in check-kiting multi-bank float map.

Analysis required

• Test a one-off dispute against the first edge of a scheme around a claims ring exists.
• Check mule or round-trip markers in check-kiting multi-bank float map.
• Map typology and hold authority account-opening quality reviewer actually has in an ACH originating credit union.
• For this Fraud Detection Mortgage Fraud file, read check-kiting multi-bank float map against a check deposited in two banks the same afternoon and write the one fact that would move a claims ring exists for account-opening quality reviewer.

Recommendation

Choose A claims ring exists / Is coincidental overlap on this Fraud Detection / Mortgage Fraud packet (check-kiting multi-bank float map after a check deposited in two banks the same afternoon). 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