Assess whether to refer to law enforcement or keep civil (b25ba3)

SITUATION Account-opening quality reviewer is responsible for to refer to law in an ACH originating credit union, using check-kiting multi-bank float map as the only working extract. Three applications sharing one employer EIN and no payroll is what reset the timeline for this Fraud Detection Mortgage Fraud file.

DECISION Account-opening quality reviewer in an ACH originating credit union must choose To refer to law enforcement / Keep civil using check-kiting multi-bank float map after three applications sharing one employer EIN and no payroll.

HYPOTHESES TO TEST 1. The population in check-kiting multi-bank float map is the one three applications sharing one employer EIN and no payroll named, so To refer to law enforcement follows for this Mortgage Fraud file. 2. The population in check-kiting multi-bank float map is adjacent only to three applications sharing one employer EIN and no payroll; Keep civil is the honest Fraud Detection call. 3. An ACH originating credit union already contained three applications sharing one employer EIN and no payroll before check-kiting multi-bank float map arrived; no new Mortgage Fraud path. 4. Provenance on check-kiting multi-bank float map after three applications sharing one employer EIN and no payroll is broken; do not pick To refer to law enforcement or Keep civil yet.

ANALYSIS REQUIRED 1. Check mule or round-trip markers in check-kiting multi-bank float map. 2. Map typology and hold authority account-opening quality reviewer actually has in an ACH originating credit union. 3. Trace funds, counterparties, and reversals in check-kiting multi-bank float map through the window opened by three applications sharing one employer EIN and no payroll. 4. For this Fraud Detection Mortgage Fraud file, read check-kiting multi-bank float map against three applications sharing one employer EIN and no payroll and write the one fact that would move to refer to law for account-opening quality reviewer.

RECOMMENDATION Choose To refer to law enforcement / Keep civil on this Fraud Detection / Mortgage Fraud packet (check-kiting multi-bank float map after three applications sharing one employer EIN and no payroll). If check-kiting multi-bank float map cannot force a Fraud Detection label under Mortgage Fraud, stop. Do not invent missing evidence an ACH originating credit union does not have.

COMMAND RETURNS - Bottom-line Fraud Detection option on to refer to law, then the evidence in check-kiting multi-bank float map, then the action for account-opening quality reviewer - Hypothesis scorecard against check-kiting multi-bank float map: supported / rejected / untestable - Owner and next date for account-opening quality reviewer in an ACH originating credit union - What changes to refer to law if three applications sharing one employer EIN and no payroll is later withdrawn