UC-412
Payment-Message Sanctions Screening
Reads each payment message field by field, explains why a name hit fired, and clears or escalates the alert with its evidence.
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The Challenge
Screening every cross-border payment against changing lists produces alerts that are mostly false, and each one holds a payment. Lists and message formats move faster than the filter rules.
How It Works
- Reads ISO 20022 and legacy payment messages, list files and prior alert dispositions.
- Explains each hit against the list entry and message field, and scores how it cleared before.
- Clears repeat benign hits under rule and escalates the rest with the evidence attached.
What It Removes
- Line-by-line reading of hit reports by analysts
- Re-clearing the same benign counterparty daily
- Manual transliteration checks on name variants
Input Data RequirementsISO 20022 and legacy payment messages, OFAC, UN and EU list files, PEP and adverse-media data, prior alert dispositions, screening filter rules
Output FormatTriaged alert queue with a written reason per hit, auto-cleared repeats and a full audit trail per decision
“Most of what my team clears is the same handful of names hitting the same list entry again and again.”