Assess whether linked accounts should be treated as one case (e679e0)

Situation

Linked accounts should be sits with account-opening quality reviewer because a mortgage occupancy affidavit contradicting utility records hit a mortgage correspondent channel. Evidence is ACH return-reason code R10 spike; write the Fraud Detection Claims and Benefits Fraud option that extract can carry.

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 ACH return-reason code R10 spike after a mortgage occupancy affidavit contradicting utility records.

Hypotheses to test

• Account-opening quality reviewer can defend Remove access or reverse the item from ACH return-reason code R10 spike after a mortgage occupancy affidavit contradicting utility records in a Fraud Detection challenge.
• Account-opening quality reviewer cannot defend Remove access or reverse the item from ACH return-reason code R10 spike; Temporary compensating control is what the extract actually supports after a mortgage occupancy affidavit contradicting utility records.
• A mortgage occupancy affidavit contradicting utility records never reached the population in ACH return-reason code R10 spike — reopen intake, do not close linked accounts should be.
• Two facts in ACH return-reason code R10 spike after a mortgage occupancy affidavit contradicting utility records conflict for account-opening quality reviewer; hold this Claims and Benefits Fraud file.

Analysis required

• Test a one-off dispute against the first edge of a scheme around linked accounts should be.
• Check mule or round-trip markers in ACH return-reason code R10 spike.
• Map typology and hold authority account-opening quality reviewer actually has in a mortgage correspondent channel.
• For this Fraud Detection Claims and Benefits Fraud file, read ACH return-reason code R10 spike against a mortgage occupancy affidavit contradicting utility records and write the one fact that would move linked accounts should be for account-opening quality reviewer.

Recommendation

Remove access or reverse the item is the Fraud Detection Claims and Benefits Fraud move when ACH return-reason code R10 spike lines up with a mortgage occupancy affidavit contradicting utility records for account-opening quality reviewer in a mortgage correspondent channel. Temporary compensating control is the move when that alignment in ACH return-reason code R10 spike fails. Record the missing fact in ACH return-reason code R10 spike before anyone treats linked accounts should be as closed.