Assess whether linked accounts should be treated as one case (2d782a)

Situation

After a check deposited in two banks the same afternoon, straw-buyer occupancy file is what wire-desk escalation officer can touch in a regional bank's card portfolio. Fraud Detection will live with Remove access or reverse the item versus Temporary compensating control on this Payments Fraud file.

Decision

Wire-desk escalation officer in a regional bank's card portfolio must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using straw-buyer occupancy file after a check deposited in two banks the same afternoon.

Hypotheses to test

• The population in straw-buyer occupancy file is the one a check deposited in two banks the same afternoon named, so Remove access or reverse the item follows for this Payments Fraud file.
• The population in straw-buyer occupancy file is adjacent only to a check deposited in two banks the same afternoon; Temporary compensating control is the honest Fraud Detection call.
• A regional bank's card portfolio already contained a check deposited in two banks the same afternoon before straw-buyer occupancy file arrived; no new Payments Fraud path.
• Provenance on straw-buyer occupancy file after a check deposited in two banks the same afternoon is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

Analysis required

• Check mule or round-trip markers in straw-buyer occupancy file.
• Map typology and hold authority wire-desk escalation officer actually has in a regional bank's card portfolio.
• Trace funds, counterparties, and reversals in straw-buyer occupancy file through the window opened by a check deposited in two banks the same afternoon.
• For this Fraud Detection Payments Fraud file, read straw-buyer occupancy file against a check deposited in two banks the same afternoon and write the one fact that would move linked accounts should be for wire-desk escalation officer.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Payments Fraud packet (straw-buyer occupancy file after a check deposited in two banks the same afternoon). Lead with the Fraud Detection option straw-buyer occupancy file can support after a check deposited in two banks the same afternoon, then the two facts that force it, then the Monday action for wire-desk escalation officer in a regional bank's card portfolio.