DeskProcess OS
Overlay · not the system of recordHolds sit above scoreAsk Desk is deterministic — no modelLocal

Ops analyst / banker

ACH return rate jumped on a merchant

BrightPath Fitness · 6.8% returns

Lane · Standard

PriorityP2
Severitymoderate
PacketReady
Suggested—

Why this is here

Return rate moved from 1.1% to 6.8% in 9 days. NACHA warning territory. Same MID, new campaign.

  • ACH opsR10/R07 mix, not R05
  • Volume$1.9M originated last 7 days
  • HistoryClean for 22 months
Recommended. Throttle origination to yesterday's volume. Call merchant ops. Do not kill the MID overnight.
Could be a billing error in their new app, not fraud. Need 20 return codes before we know.

Current: Open

Overlay only. Will POST a label to the write-back URL, never a funds release. FIS / Jack Henry / payments hub exception_status=HOLD_PENDING_EVIDENCE on bnk-ach-returns. Desk is not the system of record.