Assess whether the model score is a false positive from a life event (8c72a5)

SITUATION Straw-buyer occupancy file arrived with a sudden ACH origination from a previously dormant routing for bank BSA/AML case manager. That is a Fraud Detection Payments Fraud decision on the model score is in a Medicare Advantage claims shop.

DECISION Bank BSA/AML case manager in a Medicare Advantage claims shop must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using straw-buyer occupancy file after a sudden ACH origination from a previously dormant routing.

HYPOTHESES TO TEST 1. Straw-buyer occupancy file reads as Remove access or reverse the item once a sudden ACH origination from a previously dormant routing is lined up to the same Fraud Detection population. 2. Straw-buyer occupancy file is closer to Temporary compensating control after a sudden ACH origination from a previously dormant routing; Remove access or reverse the item would over-claim this Payments Fraud extract. 3. Approve a documented exception is still live in straw-buyer occupancy file for bank BSA/AML case manager in a Medicare Advantage claims shop. 4. Straw-buyer occupancy file is missing the fact bank BSA/AML case manager needs after a sudden ACH origination from a previously dormant routing; stop this Fraud Detection close.

ANALYSIS REQUIRED 1. Check mule or round-trip markers in straw-buyer occupancy file. 2. Map typology and hold authority bank BSA/AML case manager actually has in a Medicare Advantage claims shop. 3. Trace funds, counterparties, and reversals in straw-buyer occupancy file through the window opened by a sudden ACH origination from a previously dormant routing. 4. For this Fraud Detection Payments Fraud file, read straw-buyer occupancy file against a sudden ACH origination from a previously dormant routing and write the one fact that would move the model score is 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 / Payments Fraud packet (straw-buyer occupancy file after a sudden ACH origination from a previously dormant routing). The follow-on Payments Fraud action is what bank BSA/AML case manager does next: implement the option, assign an owner, and log the missing fact.

COMMAND RETURNS - Bottom-line Fraud Detection option on the model score is, then the evidence in straw-buyer occupancy file, then the action for bank BSA/AML case manager - Hypothesis scorecard against straw-buyer occupancy file: supported / rejected / untestable - Owner and next date for bank BSA/AML case manager in a Medicare Advantage claims shop - What changes the model score is if a sudden ACH origination from a previously dormant routing is later withdrawn