I agree. The fraud team are unlikely to get into a back-and-forth with the OP. But if they do, begging for forgiveness would surely be better than "why is it taking so long to clear me".

I just find it amusing that so many of these "I'm under audit" threads involve the OP saying they acted like an angel (although we know there's probably something unsaid) but this time the OP just came out and admitted their crime...