Assess whether a SAR narrative is supportable today (86707d)

Situation

The Mortgage Fraud desk packet is ACH return-reason code R10 spike after an email that matches a known BEC lure almost exactly. SIU investigator in a P&C carrier's auto-body network must name Remove access or reverse the item or Temporary compensating control for this Fraud Detection file. SIU investigator in a P&C carrier's auto-body network has to name Remove access or reverse the item or Temporary compensating control for this Fraud Detection Mortgage Fraud file.

Decision

SIU investigator in a P&C carrier's auto-body network must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using ACH return-reason code R10 spike after an email that matches a known BEC lure almost exactly.

Hypotheses to test

• Authorize Remove access or reverse the item now; ACH return-reason code R10 spike already has the discriminator after an email that matches a known BEC lure almost exactly.
• Keep Temporary compensating control in force until ACH return-reason code R10 spike is completed after an email that matches a known BEC lure almost exactly for SIU investigator.
• Treat ACH return-reason code R10 spike as Approve a documented exception because both readings appear after an email that matches a known BEC lure almost exactly.
• Refuse a Fraud Detection close: SIU investigator does not have the page a SAR narrative is turns on in ACH return-reason code R10 spike.

Analysis required

• Check mule or round-trip markers in ACH return-reason code R10 spike.
• Map typology and hold authority SIU investigator actually has in a P&C carrier's auto-body network.
• Trace funds, counterparties, and reversals in ACH return-reason code R10 spike through the window opened by an email that matches a known BEC lure almost exactly.
• For this Fraud Detection Mortgage Fraud file, read ACH return-reason code R10 spike against an email that matches a known BEC lure almost exactly and write the one fact that would move a SAR narrative is for SIU investigator.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Mortgage Fraud packet (ACH return-reason code R10 spike after an email that matches a known BEC lure almost exactly). The follow-on Mortgage Fraud action is what SIU investigator does next: implement the option, assign an owner, and log the missing fact.