Overlay · not the system of recordHolds sit above scoreAsk Desk is deterministic — no modelLocal
Fraud / financial crimes analyst
Card testing then a jump
PAN ending 4412 · $1.00 × 14
Lane · Standard
PriorityP2
Severitymoderate
PacketReady
Suggested—
Why this is here
Fourteen $1 authorizations across random merchants, then a $740 electronics attempt.
Auths14 × $1, 11 merchants, 18 min
Then$740 electronics, declined AVS
3DSNot attempted
Recommended. Escalate. Block the PAN. This is testing, not a messy cardholder.
Low. Pattern is clean. Don't spend analyst time re-deriving it.
Current: Open
Overlay only. Will POST a label to the write-back URL, never a funds release. Actimize / Falcon / TM alert_label=NEED_MORE on frd-testing. Desk is not the system of record.