Assess whether linked accounts should be treated as one case (171c56)

Situation

First-party friendly-fraud dispute pack arrived with a new device from a different metro on a 2am login 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 new device from a different metro on a 2am login.

Hypotheses to test

• Card-issuing fraud analyst can defend Remove access or reverse the item from first-party friendly-fraud dispute pack after a new device from a different metro on a 2am login 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 new device from a different metro on a 2am login.
• A new device from a different metro on a 2am login 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 new device from a different metro on a 2am login conflict for card-issuing fraud analyst; hold this Mortgage Fraud file.

Analysis required

• 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.
• Check mule or round-trip markers in first-party friendly-fraud dispute pack.
• For this Fraud Detection Mortgage Fraud file, read first-party friendly-fraud dispute pack against a new device from a different metro on a 2am login 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 new device from a different metro on a 2am login). Lead with the Fraud Detection option first-party friendly-fraud dispute pack can support after a new device from a different metro on a 2am login, then the two facts that force it, then the Monday action for card-issuing fraud analyst in a mortgage correspondent channel.