Assess whether to refer to law enforcement or keep civil after three

SITUATION Payments-risk officer is responsible for to refer to law in a mortgage correspondent channel, using mule-account payroll deposit pattern as the only working extract. Three applications sharing one employer EIN and no payroll is what reset the timeline for this Fraud Detection Credit and Identity Fraud file.

DECISION Payments-risk officer in a mortgage correspondent channel must choose To refer to law enforcement / Keep civil using mule-account payroll deposit pattern after three applications sharing one employer EIN and no payroll.

HYPOTHESES TO TEST 1. Payments-risk officer can defend To refer to law enforcement from mule-account payroll deposit pattern after three applications sharing one employer EIN and no payroll in a Fraud Detection challenge. 2. Payments-risk officer cannot defend To refer to law enforcement from mule-account payroll deposit pattern; Keep civil is what the extract actually supports after three applications sharing one employer EIN and no payroll. 3. Three applications sharing one employer EIN and no payroll never reached the population in mule-account payroll deposit pattern — reopen intake, do not close to refer to law. 4. Two facts in mule-account payroll deposit pattern after three applications sharing one employer EIN and no payroll conflict for payments-risk officer; hold this Credit and Identity Fraud file.

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 a mortgage correspondent channel. 3. Trace funds, counterparties, and reversals in mule-account payroll deposit pattern through the window opened by three applications sharing one employer EIN and no payroll. 4. For this Fraud Detection Credit and Identity Fraud file, read mule-account payroll deposit pattern against three applications sharing one employer EIN and no payroll 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 / Credit and Identity Fraud packet (mule-account payroll deposit pattern after three applications sharing one employer EIN and no payroll). The follow-on Credit and Identity 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 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 three applications sharing one employer EIN and no payroll, if any - Regulatory or exam hook Credit and Identity Fraud would cite