Assess whether linked accounts should be treated as one case (76b505)

Situation

A mule account receiving 14 unrelated payrolls in a week put BEC wire instruction-change email thread in front of claims special-investigation lead in a P&C carrier's auto-body network. This Fraud Detection / Payments Fraud close is linked accounts should be from BEC wire instruction-change email thread, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

Decision

Claims special-investigation lead in a P&C carrier's auto-body network must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using BEC wire instruction-change email thread after a mule account receiving 14 unrelated payrolls in a week.

Hypotheses to test

• Claims special-investigation lead can defend Remove access or reverse the item from BEC wire instruction-change email thread after a mule account receiving 14 unrelated payrolls in a week in a Fraud Detection challenge.
• Claims special-investigation lead cannot defend Remove access or reverse the item from BEC wire instruction-change email thread; Temporary compensating control is what the extract actually supports after a mule account receiving 14 unrelated payrolls in a week.
• A mule account receiving 14 unrelated payrolls in a week never reached the population in BEC wire instruction-change email thread — reopen intake, do not close linked accounts should be.
• Two facts in BEC wire instruction-change email thread after a mule account receiving 14 unrelated payrolls in a week conflict for claims special-investigation lead; hold this Payments Fraud file.

Analysis required

• Trace funds, counterparties, and reversals in BEC wire instruction-change email thread through the window opened by a mule account receiving 14 unrelated payrolls in a week.
• Quantify loss if the hold is released before BEC wire instruction-change email thread is complete.
• Test a one-off dispute against the first edge of a scheme around linked accounts should be.
• For this Fraud Detection Payments Fraud file, read BEC wire instruction-change email thread against a mule account receiving 14 unrelated payrolls in a week and write the one fact that would move linked accounts should be for claims special-investigation lead.

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