Unusual ACH debit — Linh Tran

94Held

Linh TranDental hygienistSince 2021Balance $5,410Alerts 0 · SARs 0 · CTRs 0 (12 mo)Low 10

Payment

Alert

Why

ACH out · new payee · amountv294

ValueNormalThresholdPoints

ACH out$4,950< $600> 5× normal+40

PayeeFirst seen today—new+25

LoginNew device · 2:14 AM—new device+29

ACH out · 12 weeks

Proposed

HReturn · EscalateAccount takeoverConfidence94

First debit to a payee created today, 8× the customer's largest ACH, initiated from a new device at 2:14 AM. The same payee was paid by three unrelated customers this week. Return the ACH and contact the customer on the phone number on file.

6 steps

Read the alert and the rule that fired
Pulled 12 months of the customer's activity
Compared to the customer's normal and to peers
Checked prior alerts, cases, SARs and CTRs
Checked counterparties
Drafted the decision and reason

Hickory · Oct 13 · rule v2

Sub-tasks

RFI — Linh Tran: new payeeJared LowellToday, 5:00 PMSent

Parties

Linh TranCustomerChecking · onlineLow

QuickRemit VenturesCounterpartyNew ACH payeeHigh

Transactions

Oct 12ACH to QuickRemit VenturesACH-$4,950

Oct 12Login · new deviceOnline—

Oct 7ACH to City ElectricACH-$212

Oct 1Payroll · Westfield DentalACH$2,310