Assess whether a SAR narrative is supportable today (588293)

Situation

Claims special-investigation lead in a P&C carrier's auto-body network has one working extract — straw-buyer occupancy file — after a mortgage occupancy affidavit contradicting utility records. If straw-buyer occupancy file cannot support a SAR narrative is, the honest Fraud Detection output is hold.

Decision

Claims special-investigation lead 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 straw-buyer occupancy file after a mortgage occupancy affidavit contradicting utility records.

Hypotheses to test

• Straw-buyer occupancy file 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.
• Straw-buyer occupancy file is closer to Temporary compensating control after a mortgage occupancy affidavit contradicting utility records; Remove access or reverse the item would over-claim this Payments Fraud extract.
• Approve a documented exception is still live in straw-buyer occupancy file for claims special-investigation lead in a P&C carrier's auto-body network.
• Straw-buyer occupancy file is missing the fact claims special-investigation lead needs after a mortgage occupancy affidavit contradicting utility records; stop this Fraud Detection close.

Analysis required

• Check mule or round-trip markers in straw-buyer occupancy file.
• Map typology and hold authority claims special-investigation lead actually has in a P&C carrier's auto-body network.
• Trace funds, counterparties, and reversals in straw-buyer occupancy file through the window opened by a mortgage occupancy affidavit contradicting utility records.
• For this Fraud Detection Payments Fraud file, read straw-buyer occupancy file against a mortgage occupancy affidavit contradicting utility records and write the one fact that would move a SAR narrative is for claims special-investigation lead.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Payments Fraud packet (straw-buyer occupancy file after a mortgage occupancy affidavit contradicting utility records). The follow-on Payments Fraud action is what claims special-investigation lead does next: implement the option, assign an owner, and log the missing fact.