Assess whether linked accounts should be treated as one case (f83b13)

Situation

Linked accounts should be sits with claims special-investigation lead because a mule account receiving 14 unrelated payrolls in a week hit a P&C carrier's auto-body network. Evidence is first-party friendly-fraud dispute pack; write the Fraud Detection Payments Fraud option that extract can carry.

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 first-party friendly-fraud dispute pack after a mule account receiving 14 unrelated payrolls in a week.

Hypotheses to test

• First-party friendly-fraud dispute pack reads as Remove access or reverse the item once a mule account receiving 14 unrelated payrolls in a week is lined up to the same Fraud Detection population.
• First-party friendly-fraud dispute pack is closer to Temporary compensating control after a mule account receiving 14 unrelated payrolls in a week; Remove access or reverse the item would over-claim this Payments Fraud extract.
• Approve a documented exception is still live in first-party friendly-fraud dispute pack for claims special-investigation lead in a P&C carrier's auto-body network.
• First-party friendly-fraud dispute pack is missing the fact claims special-investigation lead needs after a mule account receiving 14 unrelated payrolls in a week; stop this Fraud Detection close.

Analysis required

• Check mule or round-trip markers in first-party friendly-fraud dispute pack.
• Map typology and hold authority claims special-investigation lead actually has in a P&C carrier's auto-body network.
• Trace funds, counterparties, and reversals in first-party friendly-fraud dispute pack through the window opened by a mule account receiving 14 unrelated payrolls in a week.
• For this Fraud Detection Payments Fraud file, read first-party friendly-fraud dispute pack 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.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Payments Fraud packet (first-party friendly-fraud dispute pack after a mule account receiving 14 unrelated payrolls in a week). The follow-on Payments Fraud action is what claims special-investigation lead does next: implement the option, assign an owner, and log the missing fact.