A fraud analyst discovers that an organized crime group is using AI-generated synthetic profile photos combined with real stolen Social Security Numbers belonging to children to open credit card accounts. What is the name for this fraud pattern, and why are children's SSNs specifically targeted?

• A.Identity theft fraud; children's SSNs are targeted because parents rarely check their children's credit
• B.Synthetic identity fraud; children's SSNs are targeted because children have no credit history and are unlikely to monitor their credit for years or decades, giving the fraudster a long window to build a synthetic credit profile before discovery
• C.Account takeover fraud; children's SSNs are valuable because they can be linked to any age and the fraud is classified as juvenile crime
• D.Authorized push payment fraud; children's SSNs provide higher credit limits due to clean histories