25NL FAST (GG) - River Decision With Top Two Pair

GG Poker - $0.25 NL FAST (6 max) - Holdem - 6 players
Hand converted by PokerTracker 4

Hero (BTN): 102.28 BB
SB: 154.48 BB
BB: 126.64 BB
UTG: 100 BB (VPIP: 0.00, PFR: 0.00, 3Bet Preflop: 0.00, Hands: 2)
MP: 100 BB
CO: 110 BB ((VPIP 23%)-(PFR 19%)-(ATS 38%)-(ЗВЕТ 9%) - 3000hands with no specific history

SB posts SB 0.4 BB, BB posts BB 1 BB

Pre Flop: (pot: 1.4 BB) Hero has J♠ K♠

fold, fold, CO raises to 2.2 BB, Hero calls 2.2 BB, fold, BB calls 1.2 BB

Flop: (7 BB, 3 players) 5♣ K♥ 7♠
BB checks, CO bets 2.32 BB, Hero calls 2.32 BB, BB calls 2.32 BB

Turn: (13.96 BB, 3 players) J♦
BB checks, CO bets 12.2 BB, Hero calls 12.2 BB, fold

River: (38.36 BB, 2 players) 3♠
CO bets 93.28 BB and is all-in

1. Do you find a call here ?
2. Or is this a exploitative fold ?

If you are the CO (the 23/19 TAG) in this hand, what profile from the BTN (Hero) would justify a 2.4x pot overbet ?