Assess whether linked accounts should be treated as one case (f8ed0e)

Situation

Linked accounts should be sits with synthetic-identity detection manager because a customer calling to reverse a 'authorized' card charge hit a mortgage correspondent channel. Evidence is check-kiting multi-bank float map; write the Fraud Detection Payments Fraud option that extract can carry.

Decision

Synthetic-identity detection manager in a mortgage correspondent channel must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using check-kiting multi-bank float map after a customer calling to reverse a 'authorized' card charge.

Hypotheses to test

• A customer calling to reverse a 'authorized' card charge is noise around an already-controlled Payments Fraud process in a mortgage correspondent channel, given check-kiting multi-bank float map.
• A customer calling to reverse a 'authorized' card charge is the event in check-kiting multi-bank float map that forces Remove access or reverse the item for synthetic-identity detection manager under Fraud Detection.
• Check-kiting multi-bank float map shows a one-file miss after a customer calling to reverse a 'authorized' card charge, not a Payments Fraud program failure.
• Check-kiting multi-bank float map cannot decide linked accounts should be yet after a customer calling to reverse a 'authorized' card charge; hold is the only Fraud Detection close a mortgage correspondent channel can defend.

Analysis required

• Quantify loss if the hold is released before check-kiting multi-bank float map is complete.
• Test a one-off dispute against the first edge of a scheme around linked accounts should be.
• Check mule or round-trip markers in check-kiting multi-bank float map.
• For this Fraud Detection Payments Fraud file, read check-kiting multi-bank float map against a customer calling to reverse a 'authorized' card charge and write the one fact that would move linked accounts should be for synthetic-identity detection manager.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Payments Fraud packet (check-kiting multi-bank float map after a customer calling to reverse a 'authorized' card charge). Lead with the Fraud Detection option check-kiting multi-bank float map can support after a customer calling to reverse a 'authorized' card charge, then the two facts that force it, then the Monday action for synthetic-identity detection manager in a mortgage correspondent channel.