Assess whether the model score is a false positive from a life event (e698f7)

SITUATION After a mule account receiving 14 unrelated payrolls in a week, ACH return-reason code R10 spike is what payments-risk officer can touch in an ACH originating credit union. Fraud Detection will live with Remove access or reverse the item versus Temporary compensating control on this Payments Fraud file.

DECISION Payments-risk officer in an ACH originating credit union must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using ACH return-reason code R10 spike after a mule account receiving 14 unrelated payrolls in a week.

HYPOTHESES TO TEST 1. A mule account receiving 14 unrelated payrolls in a week is noise around an already-controlled Payments Fraud process in an ACH originating credit union, given ACH return-reason code R10 spike. 2. A mule account receiving 14 unrelated payrolls in a week is the event in ACH return-reason code R10 spike that forces Remove access or reverse the item for payments-risk officer under Fraud Detection. 3. ACH return-reason code R10 spike shows a one-file miss after a mule account receiving 14 unrelated payrolls in a week, not a Payments Fraud program failure. 4. ACH return-reason code R10 spike cannot decide the model score is yet after a mule account receiving 14 unrelated payrolls in a week; hold is the only Fraud Detection close an ACH originating credit union can defend.

ANALYSIS REQUIRED 1. Test a one-off dispute against the first edge of a scheme around the model score is. 2. Check mule or round-trip markers in ACH return-reason code R10 spike. 3. Map typology and hold authority payments-risk officer actually has in an ACH originating credit union. 4. For this Fraud Detection Payments Fraud file, read ACH return-reason code R10 spike against a mule account receiving 14 unrelated payrolls in a week and write the one fact that would move the model score is for payments-risk officer.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Payments Fraud packet (ACH return-reason code R10 spike after a mule account receiving 14 unrelated payrolls in a week). Lead with the Fraud Detection option ACH return-reason code R10 spike can support after a mule account receiving 14 unrelated payrolls in a week, then the two facts that force it, then the Monday action for payments-risk officer in an ACH originating credit union.

COMMAND RETURNS - Bottom-line Fraud Detection option on the model score is, then the evidence in ACH return-reason code R10 spike, then the action for payments-risk officer - Hypothesis scorecard against ACH return-reason code R10 spike: supported / rejected / untestable - Payments Fraud finding in ACH return-reason code R10 spike that a second reviewer can re-perform - Missing page in ACH return-reason code R10 spike after a mule account receiving 14 unrelated payrolls in a week, if any