Assess whether a SAR narrative is supportable today (78534a)

Situation

Wire-desk escalation officer in a regional bank's card portfolio has one working extract — ACH return-reason code R10 spike — after a mule account receiving 14 unrelated payrolls in a week. If ACH return-reason code R10 spike cannot support a SAR narrative is, the honest Fraud Detection output is hold.

Decision

Wire-desk escalation officer in a regional bank's card portfolio 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

• ACH return-reason code R10 spike reads as Remove access or reverse the item once a mule account receiving 14 unrelated payrolls in a week is lined up to the same Fraud Detection population.
• ACH return-reason code R10 spike is closer to Temporary compensating control after a mule account receiving 14 unrelated payrolls in a week; Remove access or reverse the item would over-claim this Payments Fraud extract.
• Approve a documented exception is still live in ACH return-reason code R10 spike for wire-desk escalation officer in a regional bank's card portfolio.
• ACH return-reason code R10 spike is missing the fact wire-desk escalation officer needs after a mule account receiving 14 unrelated payrolls in a week; stop this Fraud Detection close.

Analysis required

• Check mule or round-trip markers in ACH return-reason code R10 spike.
• Map typology and hold authority wire-desk escalation officer actually has in a regional bank's card portfolio.
• Trace funds, counterparties, and reversals in ACH return-reason code R10 spike through the window opened by a mule account receiving 14 unrelated payrolls in a week.
• 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 a SAR narrative is for wire-desk escalation 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 wire-desk escalation officer in a regional bank's card portfolio.