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Download Slides. Wire transfers have long been the tool of choice for money launderers and fraudsters. In order to properly detect suspicious activity, AML compliance and fraud professionals must understand how wire transfers work, both in the U. The webinar also delves into the mechanics of wire transfers, both in the U. Finally, Laurie will explore the money laundering, fraud risks and red flags associated with wire transfers and how you as a compliance professional can mitigate them.

This is different from wire transfers, however, as wire transfers are not typically reversible. That is because a wire transfer is an ad hoc transaction. In addition, wire transfers are not typically reversible as they are legally viewed as a non-negotiable transfer that has been completed through a payment order, which is then settled immediately. I have seen addresses that most AML systems could not make any sense out of because too much information is crammed into three lines of text.

The ISO standard, on the other hand, gives you a separate field for each separate component of an address, including a field for countries. Therefore, your systems can take that data in these nice separated fields, and then look for specific countries or addresses. This allows a compliance professional to pinpoint if it is normal activity for this customer to be sending or receiving a wire transfer from this country.

It also helps tangentially with OFAC screening , because you can screen for the address of a sanctioned party as well as the name. Q: Has industry demand for same-day, versus the phased implementation of ISO inadvertently, and unnecessarily, delayed implementation and the benefits of the enhanced message format? A: This has definitely delayed them. This is due to the fact that the Fed was originally planning to roll this new standard out in phases. This strategy would have caused a lot of confusion because they would implement it only for certain financial institutions FIs at a time.

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