Assess whether to refer to law enforcement or keep civil (e3dba8)

SITUATION The working file is BEC wire instruction-change email thread after a customer calling to reverse a 'authorized' card charge. Payments-risk officer in an ACH originating credit union has to name To refer to law enforcement or Keep civil for this Fraud Detection Payments Fraud file.

DECISION Payments-risk officer in an ACH originating credit union must choose To refer to law enforcement / Keep civil using BEC wire instruction-change email thread after a customer calling to reverse a 'authorized' card charge.

HYPOTHESES TO TEST 1. The population in BEC wire instruction-change email thread is the one a customer calling to reverse a 'authorized' card charge named, so To refer to law enforcement follows for this Payments Fraud file. 2. The population in BEC wire instruction-change email thread is adjacent only to a customer calling to reverse a 'authorized' card charge; Keep civil is the honest Fraud Detection call. 3. An ACH originating credit union already contained a customer calling to reverse a 'authorized' card charge before BEC wire instruction-change email thread arrived; no new Payments Fraud path. 4. Provenance on BEC wire instruction-change email thread after a customer calling to reverse a 'authorized' card charge is broken; do not pick To refer to law enforcement or Keep civil yet.

ANALYSIS REQUIRED 1. Quantify loss if the hold is released before BEC wire instruction-change email thread is complete. 2. Test a one-off dispute against the first edge of a scheme around to refer to law. 3. Check mule or round-trip markers in BEC wire instruction-change email thread. 4. For this Fraud Detection Payments Fraud file, read BEC wire instruction-change email thread against a customer calling to reverse a 'authorized' card charge and write the one fact that would move to refer to law for payments-risk officer.

RECOMMENDATION Choose To refer to law enforcement / Keep civil on this Fraud Detection / Payments Fraud packet (BEC wire instruction-change email thread after a customer calling to reverse a 'authorized' card charge). The follow-on Payments Fraud action is what payments-risk officer does next: implement the option, assign an owner, and log the missing fact.

COMMAND RETURNS - Bottom-line Fraud Detection option on to refer to law, then the evidence in BEC wire instruction-change email thread, then the action for payments-risk officer - Hypothesis scorecard against BEC wire instruction-change email thread: supported / rejected / untestable - Payments Fraud finding in BEC wire instruction-change email thread that a second reviewer can re-perform - Missing page in BEC wire instruction-change email thread after a customer calling to reverse a 'authorized' card charge, if any