Assess whether to freeze, monitor, or close the account (914b25)

SITUATION An ACH originating credit union cannot treat a check deposited in two banks the same afternoon as incidental context on mule-account payroll deposit pattern. Payments-risk officer must close to freeze, monitor, or from that extract under Fraud Detection / Payments Fraud.

DECISION Payments-risk officer in an ACH originating credit union must choose To freeze, monitor, / Close the account using mule-account payroll deposit pattern after a check deposited in two banks the same afternoon.

HYPOTHESES TO TEST 1. Mule-account payroll deposit pattern reads as To freeze, monitor, once a check deposited in two banks the same afternoon is lined up to the same Fraud Detection population. 2. Mule-account payroll deposit pattern is closer to Close the account after a check deposited in two banks the same afternoon; To freeze, monitor, would over-claim this Payments Fraud extract. 3. A dual reading is still live in mule-account payroll deposit pattern for payments-risk officer in an ACH originating credit union. 4. Mule-account payroll deposit pattern is missing the fact payments-risk officer needs after a check deposited in two banks the same afternoon; stop this Fraud Detection close.

ANALYSIS REQUIRED 1. Check mule or round-trip markers in mule-account payroll deposit pattern. 2. Map typology and hold authority payments-risk officer actually has in an ACH originating credit union. 3. Trace funds, counterparties, and reversals in mule-account payroll deposit pattern through the window opened by a check deposited in two banks the same afternoon. 4. For this Fraud Detection Payments Fraud file, read mule-account payroll deposit pattern against a check deposited in two banks the same afternoon and write the one fact that would move to freeze, monitor, or for payments-risk officer.

RECOMMENDATION Choose To freeze, monitor, / Close the account on this Fraud Detection / Payments Fraud packet (mule-account payroll deposit pattern after a check deposited in two banks the same afternoon). Lead with the Fraud Detection option mule-account payroll deposit pattern can support after a check deposited in two banks the same afternoon, then the two facts that force it, then the Monday action for payments-risk officer in an ACH originating credit union.

COMMAND RETURNS - Bottom-line Fraud Detection option on to freeze, monitor, or, then the evidence in mule-account payroll deposit pattern, then the action for payments-risk officer - Hypothesis scorecard against mule-account payroll deposit pattern: supported / rejected / untestable - Missing page in mule-account payroll deposit pattern after a check deposited in two banks the same afternoon, if any - Regulatory or exam hook Payments Fraud would cite