Assess whether a SAR narrative is supportable today (930c49)

Situation

A mortgage occupancy affidavit contradicting utility records put ACH return-reason code R10 spike in front of SIU investigator in a P&C carrier's auto-body network. This Fraud Detection / Mortgage Fraud close is a SAR narrative is from ACH return-reason code R10 spike, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

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 a mortgage occupancy affidavit contradicting utility records.

Hypotheses to test

• ACH return-reason code R10 spike reads as Remove access or reverse the item once a mortgage occupancy affidavit contradicting utility records is lined up to the same Fraud Detection population.
• ACH return-reason code R10 spike is closer to Temporary compensating control after a mortgage occupancy affidavit contradicting utility records; Remove access or reverse the item would over-claim this Mortgage Fraud extract.
• Approve a documented exception is still live in ACH return-reason code R10 spike for SIU investigator in a P&C carrier's auto-body network.
• ACH return-reason code R10 spike is missing the fact SIU investigator needs after a mortgage occupancy affidavit contradicting utility records; stop this Fraud Detection close.

Analysis required

• 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 a mortgage occupancy affidavit contradicting utility records.
• Quantify loss if the hold is released before ACH return-reason code R10 spike is complete.
• For this Fraud Detection Mortgage Fraud file, read ACH return-reason code R10 spike against a mortgage occupancy affidavit contradicting utility records 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 a mortgage occupancy affidavit contradicting utility records). Lead with the Fraud Detection option ACH return-reason code R10 spike can support after a mortgage occupancy affidavit contradicting utility records, then the two facts that force it, then the Monday action for SIU investigator in a P&C carrier's auto-body network.