Assess whether the wire recall window is still open (a68165)

SITUATION Payments Fraud work in a mortgage correspondent channel now turns on the wire recall window because a customer calling to reverse a 'authorized' card charge put first-party friendly-fraud dispute pack in play. Synthetic-identity detection manager should say what first-party friendly-fraud dispute pack proves.

DECISION Synthetic-identity detection manager in a mortgage correspondent channel must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using first-party friendly-fraud dispute pack after a customer calling to reverse a 'authorized' card charge.

HYPOTHESES TO TEST 1. The population in first-party friendly-fraud dispute pack is the one a customer calling to reverse a 'authorized' card charge named, so Remove access or reverse the item follows for this Payments Fraud file. 2. The population in first-party friendly-fraud dispute pack is adjacent only to a customer calling to reverse a 'authorized' card charge; Temporary compensating control is the honest Fraud Detection call. 3. A mortgage correspondent channel already contained a customer calling to reverse a 'authorized' card charge before first-party friendly-fraud dispute pack arrived; no new Payments Fraud path. 4. Provenance on first-party friendly-fraud dispute pack after a customer calling to reverse a 'authorized' card charge is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

ANALYSIS REQUIRED 1. Trace funds, counterparties, and reversals in first-party friendly-fraud dispute pack through the window opened by a customer calling to reverse a 'authorized' card charge. 2. Quantify loss if the hold is released before first-party friendly-fraud dispute pack is complete. 3. Test a one-off dispute against the first edge of a scheme around the wire recall window. 4. For this Fraud Detection Payments Fraud file, read first-party friendly-fraud dispute pack against a customer calling to reverse a 'authorized' card charge and write the one fact that would move the wire recall window for synthetic-identity detection manager.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fraud Detection / Payments Fraud packet (first-party friendly-fraud dispute pack after a customer calling to reverse a 'authorized' card charge). Lead with the Fraud Detection option first-party friendly-fraud dispute pack can support after a customer calling to reverse a 'authorized' card charge, then the two facts that force it, then the Monday action for synthetic-identity detection manager in a mortgage correspondent channel.