Assess whether linked accounts should be treated as one case (9a0008)

Situation

A claims photo EXIF timestamp that predates the loss put synthetic identity application cluster in front of bank BSA/AML case manager in a regional bank's card portfolio. This Fraud Detection / Mortgage Fraud close is linked accounts should be from synthetic identity application cluster, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

Decision

Bank BSA/AML case manager in a regional bank's card portfolio must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using synthetic identity application cluster after a claims photo EXIF timestamp that predates the loss.

Hypotheses to test

• Authorize Remove access or reverse the item now; synthetic identity application cluster already has the discriminator after a claims photo EXIF timestamp that predates the loss.
• Keep Temporary compensating control in force until synthetic identity application cluster is completed after a claims photo EXIF timestamp that predates the loss for bank BSA/AML case manager.
• Treat synthetic identity application cluster as Approve a documented exception because both readings appear after a claims photo EXIF timestamp that predates the loss.
• Refuse a Fraud Detection close: bank BSA/AML case manager does not have the page linked accounts should be turns on in synthetic identity application cluster.

Analysis required

• Quantify loss if the hold is released before synthetic identity application cluster 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 synthetic identity application cluster.
• For this Fraud Detection Mortgage Fraud file, read synthetic identity application cluster against a claims photo EXIF timestamp that predates the loss and write the one fact that would move linked accounts should be for bank BSA/AML case manager.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Mortgage Fraud packet (synthetic identity application cluster after a claims photo EXIF timestamp that predates the loss). Lead with the Fraud Detection option synthetic identity application cluster can support after a claims photo EXIF timestamp that predates the loss, then the two facts that force it, then the Monday action for bank BSA/AML case manager in a regional bank's card portfolio.