Assess whether linked accounts should be treated as one case (0e9dcc)

Situation

A mortgage correspondent channel cannot treat a new device from a different metro on a 2am login as color commentary on straw-buyer occupancy file. Synthetic-identity detection manager must close linked accounts should be from that extract under Fraud Detection / Payments Fraud.

Decision

Synthetic-identity detection manager in a mortgage correspondent channel must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using straw-buyer occupancy file after a new device from a different metro on a 2am login.

Hypotheses to test

• A new device from a different metro on a 2am login is noise around an already-controlled Payments Fraud process in a mortgage correspondent channel, given straw-buyer occupancy file.
• A new device from a different metro on a 2am login is the event in straw-buyer occupancy file that forces Remove access or reverse the item for synthetic-identity detection manager under Fraud Detection.
• Straw-buyer occupancy file shows a one-file miss after a new device from a different metro on a 2am login, not a Payments Fraud program failure.
• Straw-buyer occupancy file cannot decide linked accounts should be yet after a new device from a different metro on a 2am login; hold is the only Fraud Detection close a mortgage correspondent channel can defend.

Analysis required

• Check mule or round-trip markers in straw-buyer occupancy file.
• Map typology and hold authority synthetic-identity detection manager actually has in a mortgage correspondent channel.
• Trace funds, counterparties, and reversals in straw-buyer occupancy file through the window opened by a new device from a different metro on a 2am login.
• For this Fraud Detection Payments Fraud file, read straw-buyer occupancy file 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 synthetic-identity detection manager.

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 new device from a different metro on a 2am login). Lead with the Fraud Detection option straw-buyer occupancy file 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 synthetic-identity detection manager in a mortgage correspondent channel.