Assess whether to refer to law enforcement or keep civil (188b59)

SITUATION After three applications sharing one employer EIN and no payroll, workers'-comp claimant attorney cluster is what account-opening quality reviewer can touch in an ACH originating credit union. Fraud Detection will live with To refer to law enforcement versus Keep civil on this Mortgage Fraud file.

DECISION Account-opening quality reviewer in an ACH originating credit union must choose To refer to law enforcement / Keep civil using workers'-comp claimant attorney cluster after three applications sharing one employer EIN and no payroll.

HYPOTHESES TO TEST 1. The population in workers'-comp claimant attorney cluster 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 workers'-comp claimant attorney cluster 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 workers'-comp claimant attorney cluster arrived; no new Mortgage Fraud path. 4. Provenance on workers'-comp claimant attorney cluster 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. Map typology and hold authority account-opening quality reviewer actually has in an ACH originating credit union. 2. Trace funds, counterparties, and reversals in workers'-comp claimant attorney cluster through the window opened by three applications sharing one employer EIN and no payroll. 3. Quantify loss if the hold is released before workers'-comp claimant attorney cluster is complete. 4. For this Fraud Detection Mortgage Fraud file, read workers'-comp claimant attorney cluster 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 (workers'-comp claimant attorney cluster after three applications sharing one employer EIN and no payroll). Lead with the Fraud Detection option workers'-comp claimant attorney cluster can support after three applications sharing one employer EIN and no payroll, then the two facts that force it, then the Monday action for account-opening quality reviewer in an ACH originating credit union.

COMMAND RETURNS - Bottom-line Fraud Detection option on to refer to law, then the evidence in workers'-comp claimant attorney cluster, then the action for account-opening quality reviewer - Hypothesis scorecard against workers'-comp claimant attorney cluster: supported / rejected / untestable - Mortgage Fraud finding in workers'-comp claimant attorney cluster that a second reviewer can re-perform - Missing page in workers'-comp claimant attorney cluster after three applications sharing one employer EIN and no payroll, if any