Assess whether a SAR narrative is supportable today (a5fd34)

Situation

A customer calling to reverse a 'authorized' card charge put mule-account payroll deposit pattern in front of bank BSA/AML case manager in a workers'-comp insurer after a surge in CT claims. This Fraud Detection / Credit and Identity Fraud close is a SAR narrative is from mule-account payroll deposit pattern, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

Decision

Bank BSA/AML case manager in a workers'-comp insurer after a surge in CT claims must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using mule-account payroll deposit pattern after a customer calling to reverse a 'authorized' card charge.

Hypotheses to test

• Mule-account payroll deposit pattern reads as Remove access or reverse the item once a customer calling to reverse a 'authorized' card charge is lined up to the same Fraud Detection population.
• Mule-account payroll deposit pattern is closer to Temporary compensating control after a customer calling to reverse a 'authorized' card charge; Remove access or reverse the item would over-claim this Credit and Identity Fraud extract.
• Approve a documented exception is still live in mule-account payroll deposit pattern for bank BSA/AML case manager in a workers'-comp insurer after a surge in CT claims.
• Mule-account payroll deposit pattern is missing the fact bank BSA/AML case manager needs after a customer calling to reverse a 'authorized' card charge; stop this Fraud Detection close.

Analysis required

• Check mule or round-trip markers in mule-account payroll deposit pattern.
• Map typology and hold authority bank BSA/AML case manager actually has in a workers'-comp insurer after a surge in CT claims.
• Trace funds, counterparties, and reversals in mule-account payroll deposit pattern through the window opened by a customer calling to reverse a 'authorized' card charge.
• For this Fraud Detection Credit and Identity Fraud file, read mule-account payroll deposit pattern against a customer calling to reverse a 'authorized' card charge and write the one fact that would move a SAR narrative is for bank BSA/AML case manager.

Recommendation