Whether a SAR narrative is supportable today from workers'-comp claimant

Situation

Workers'-comp claimant attorney cluster arrived with a mule account receiving 14 unrelated payrolls in a week for payments-risk officer. That is a Fraud Detection Credit and Identity Fraud decision on a SAR narrative is in a mortgage correspondent channel.

Decision

Payments-risk officer in a mortgage correspondent channel must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using workers'-comp claimant attorney cluster after a mule account receiving 14 unrelated payrolls in a week.

Hypotheses to test

• Authorize Remove access or reverse the item now; workers'-comp claimant attorney cluster already has the discriminator after a mule account receiving 14 unrelated payrolls in a week.
• Keep Temporary compensating control in force until workers'-comp claimant attorney cluster is completed after a mule account receiving 14 unrelated payrolls in a week for payments-risk officer.
• Treat workers'-comp claimant attorney cluster as Approve a documented exception because both readings appear after a mule account receiving 14 unrelated payrolls in a week.
• Refuse a Fraud Detection close: payments-risk officer does not have the page a SAR narrative is turns on in workers'-comp claimant attorney cluster.

Analysis required

• Map typology and hold authority payments-risk officer actually has in a mortgage correspondent channel.
• Trace funds, counterparties, and reversals in workers'-comp claimant attorney cluster through the window opened by a mule account receiving 14 unrelated payrolls in a week.
• Quantify loss if the hold is released before workers'-comp claimant attorney cluster is complete.
• For this Fraud Detection Credit and Identity Fraud file, read workers'-comp claimant attorney cluster against a mule account receiving 14 unrelated payrolls in a week and write the one fact that would move a SAR narrative is for payments-risk officer.

Recommendation

Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Credit and Identity Fraud packet (workers'-comp claimant attorney cluster after a mule account receiving 14 unrelated payrolls in a week). Lead with the Fraud Detection option workers'-comp claimant attorney cluster 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 payments-risk officer in a mortgage correspondent channel.