Assess whether linked accounts should be treated as one case (da43d5)

Situation

First-party friendly-fraud dispute pack arrived with a customer calling to reverse a 'authorized' card charge for card-issuing fraud analyst. That is a Fraud Detection Mortgage Fraud decision on linked accounts should be in a mortgage correspondent channel.

Decision

Card-issuing fraud analyst in a mortgage correspondent channel must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using first-party friendly-fraud dispute pack after a customer calling to reverse a 'authorized' card charge.

Hypotheses to test

• Card-issuing fraud analyst can defend Remove access or reverse the item from first-party friendly-fraud dispute pack after a customer calling to reverse a 'authorized' card charge in a Fraud Detection challenge.
• Card-issuing fraud analyst cannot defend Remove access or reverse the item from first-party friendly-fraud dispute pack; Temporary compensating control is what the extract actually supports after a customer calling to reverse a 'authorized' card charge.
• A customer calling to reverse a 'authorized' card charge never reached the population in first-party friendly-fraud dispute pack — reopen intake, do not close linked accounts should be.
• Two facts in first-party friendly-fraud dispute pack after a customer calling to reverse a 'authorized' card charge conflict for card-issuing fraud analyst; hold this Mortgage Fraud file.

Analysis required

• Map typology and hold authority card-issuing fraud analyst actually has in a mortgage correspondent channel.
• Trace funds, counterparties, and reversals in first-party friendly-fraud dispute pack through the window opened by a customer calling to reverse a 'authorized' card charge.
• Quantify loss if the hold is released before first-party friendly-fraud dispute pack is complete.
• For this Fraud Detection Mortgage Fraud file, read first-party friendly-fraud dispute pack against a customer calling to reverse a 'authorized' card charge and write the one fact that would move linked accounts should be for card-issuing fraud analyst.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Mortgage Fraud packet (first-party friendly-fraud dispute pack after a customer calling to reverse a 'authorized' card charge). If first-party friendly-fraud dispute pack cannot force a Fraud Detection label under Mortgage Fraud, stop. Do not invent pages a mortgage correspondent channel does not have.