Assess whether linked accounts should be treated as one case (c020ab)

Situation

Three applications sharing one employer EIN and no payroll put first-party friendly-fraud dispute pack in front of account-opening quality reviewer in an ACH originating credit union. This Fraud Detection / Mortgage Fraud close is linked accounts should be from first-party friendly-fraud dispute pack, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

Decision

Account-opening quality reviewer in an ACH originating credit union must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using first-party friendly-fraud dispute pack after three applications sharing one employer EIN and no payroll.

Hypotheses to test

• The population in first-party friendly-fraud dispute pack is the one three applications sharing one employer EIN and no payroll named, so Remove access or reverse the item follows for this Mortgage Fraud file.
• The population in first-party friendly-fraud dispute pack is adjacent only to three applications sharing one employer EIN and no payroll; Temporary compensating control is the honest Fraud Detection call.
• An ACH originating credit union already contained three applications sharing one employer EIN and no payroll before first-party friendly-fraud dispute pack arrived; no new Mortgage Fraud path.
• Provenance on first-party friendly-fraud dispute pack after three applications sharing one employer EIN and no payroll is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

Analysis required

• Trace funds, counterparties, and reversals in first-party friendly-fraud dispute pack through the window opened by three applications sharing one employer EIN and no payroll.
• Quantify loss if the hold is released before first-party friendly-fraud dispute pack is complete.
• Test a one-off dispute against the first edge of a scheme around linked accounts should be.
• For this Fraud Detection Mortgage Fraud file, read first-party friendly-fraud dispute pack against three applications sharing one employer EIN and no payroll and write the one fact that would move linked accounts should be for account-opening quality reviewer.

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