Assess whether a SAR narrative is supportable today (be5627)

Situation

The desk packet is ACH return-reason code R10 spike after three applications sharing one employer EIN and no payroll. Account-opening quality reviewer in an ACH originating credit union has to name Remove access or reverse the item or Temporary compensating control for this Fraud Detection Mortgage Fraud file.

Decision

Account-opening quality reviewer in an ACH originating credit union must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using ACH return-reason code R10 spike after three applications sharing one employer EIN and no payroll.

Hypotheses to test

• The population in ACH return-reason code R10 spike is the one three applications sharing one employer EIN and no payroll named, so Remove access or reverse the item follows for this Mortgage Fraud file.
• The population in ACH return-reason code R10 spike is adjacent only to three applications sharing one employer EIN and no payroll; Temporary compensating control is the honest Fraud Detection call.
• An ACH originating credit union already contained three applications sharing one employer EIN and no payroll before ACH return-reason code R10 spike arrived; no new Mortgage Fraud path.
• Provenance on ACH return-reason code R10 spike after three applications sharing one employer EIN and no payroll is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

Analysis required

• Test a one-off dispute against the first edge of a scheme around a SAR narrative is.
• Check mule or round-trip markers in ACH return-reason code R10 spike.
• Map typology and hold authority account-opening quality reviewer actually has in an ACH originating credit union.
• For this Fraud Detection Mortgage Fraud file, read ACH return-reason code R10 spike against three applications sharing one employer EIN and no payroll and write the one fact that would move a SAR narrative is for account-opening quality reviewer.

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 three applications sharing one employer EIN and no payroll). If ACH return-reason code R10 spike cannot force a Fraud Detection label under Mortgage Fraud, stop. Do not invent pages an ACH originating credit union does not have.