Whether to freeze, monitor, or close the account from bust-out credit-line

Situation

Credit and Identity Fraud work in a regional bank's card portfolio now turns on to freeze, monitor, or because a customer calling to reverse a 'authorized' card charge put bust-out credit-line utilization curve in play. SIU investigator should say what bust-out credit-line utilization curve proves.

Decision

SIU investigator in a regional bank's card portfolio must choose To freeze, monitor, / Close the account using bust-out credit-line utilization curve after a customer calling to reverse a 'authorized' card charge.

Hypotheses to test

• Bust-out credit-line utilization curve reads as To freeze, monitor, once a customer calling to reverse a 'authorized' card charge is lined up to the same Fraud Detection population.
• Bust-out credit-line utilization curve is closer to Close the account after a customer calling to reverse a 'authorized' card charge; To freeze, monitor, would over-claim this Credit and Identity Fraud extract.
• A dual reading is still live in bust-out credit-line utilization curve for SIU investigator in a regional bank's card portfolio.
• Bust-out credit-line utilization curve is missing the fact SIU investigator needs after a customer calling to reverse a 'authorized' card charge; stop this Fraud Detection close.

Analysis required

• Map typology and hold authority SIU investigator actually has in a regional bank's card portfolio.
• Trace funds, counterparties, and reversals in bust-out credit-line utilization curve through the window opened by a customer calling to reverse a 'authorized' card charge.
• Quantify loss if the hold is released before bust-out credit-line utilization curve is complete.
• For this Fraud Detection Credit and Identity Fraud file, read bust-out credit-line utilization curve against a customer calling to reverse a 'authorized' card charge and write the one fact that would move to freeze, monitor, or for SIU investigator.

Recommendation

Choose To freeze, monitor, / Close the account on this Fraud Detection / Credit and Identity Fraud packet (bust-out credit-line utilization curve after a customer calling to reverse a 'authorized' card charge). If bust-out credit-line utilization curve cannot force a Fraud Detection label under Credit and Identity Fraud, stop. Do not invent pages a regional bank's card portfolio does not have.