Assess whether a SAR narrative is supportable today (9b2f7e)

Situation

Synthetic-identity detection manager in a credit-card issuer during a holiday-authorization spike has one working extract — account-takeover device-fingerprint graph — after three applications sharing one employer EIN and no payroll. Synthetic-identity detection manager in a credit-card issuer during a holiday-authorization spike has account-takeover device-fingerprint graph after three applications sharing one employer EIN and no payroll. If that extract cannot support a SAR narrative is, the honest Fraud Detection Mortgage Fraud output is hold.

Decision

Synthetic-identity detection manager in a credit-card issuer during a holiday-authorization spike must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using account-takeover device-fingerprint graph after three applications sharing one employer EIN and no payroll.

Hypotheses to test

• Three applications sharing one employer EIN and no payroll is noise around an already-controlled Mortgage Fraud process in a credit-card issuer during a holiday-authorization spike, given account-takeover device-fingerprint graph.
• Three applications sharing one employer EIN and no payroll is the event in account-takeover device-fingerprint graph that forces Remove access or reverse the item for synthetic-identity detection manager under Fraud Detection.
• Account-takeover device-fingerprint graph shows a one-file miss after three applications sharing one employer EIN and no payroll, not a Mortgage Fraud program failure.
• Account-takeover device-fingerprint graph cannot decide a SAR narrative is yet after three applications sharing one employer EIN and no payroll; hold is the only Fraud Detection close a credit-card issuer during a holiday-authorization spike can defend.

Analysis required

• Trace funds, counterparties, and reversals in account-takeover device-fingerprint graph through the window opened by three applications sharing one employer EIN and no payroll.
• Quantify loss if the hold is released before account-takeover device-fingerprint graph is complete.
• Test a one-off dispute against the first edge of a scheme around a SAR narrative is.
• For this Fraud Detection Mortgage Fraud file, read account-takeover device-fingerprint graph against three applications sharing one employer EIN and no payroll and write the one fact that would move a SAR narrative is for synthetic-identity detection manager.