Payment Repair Agent
Repairs payments that fall out of STP and pushes them back onto the rails.
Takes the payment that failed validation (malformed BIC, missing beneficiary detail, an unparseable name), derives the correct values from reference data and prior payments to the same beneficiary, and repairs it for re-submission. Every repaired payment re-screens for sanctions before it rejoins the rails; repairs above the value threshold are held for an oversight agent to re-derive as a check and the accountable payments officer to release.
Authority
Act within policy
Team role
Completes a defined task
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Payments Operations
Desk workflow
Payment intake, then validation/screening, then STP or repair, then execution, then investigations/recalls. STP handles the clean ones; the repair queue (bad BIC, missing reference, formatting) is where the exception work sits: above-threshold repairs and recalls route through an oversight-agent re-derivation check to the accountable payments officer.
Collaboration
Calls several specialists in parallel
Decision boundary
Acts only within an explicit policy, permission and escalation boundary.
Systems and capabilities involved
Payment engine (repair queue)
BIC / IBAN / clearing directory
Format validator (ISO 20022 / MT)
Sanctions screening agent
re-screen after repair
Oversight payments agent
re-derives large-value repairs as a check
Accountable payments officer
releases large-value repairs
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Handoff to
Handoff to
External handoff
Financial Crime (Sanctions Screening) for re-screening after repair
Context
What the role needs to do the work
- Current work
- The failed payment, the validation error, the proposed fix.
- Prior interactions
- Prior successful payments to the same beneficiary/corridor.
- Policies and reference
- BIC directory, ISO 20022 / MT format rules, market clearing conventions.
- Working method
- Repair playbooks per failure type and corridor.
Illustrative workflow
How the work moves
Starting point
USD wire rejected from STP: beneficiary BIC fails directory validation.
- 01
Look up the beneficiary bank by name + country in the directory.
- 02
Find the correct BIC; confirm against three prior payments to the same beneficiary.
- 03
Repair the field; re-screen for sanctions via the screening agent (A2A).
Result
Repairs the BIC, passes re-screening, and re-submits to STP with a logged before/after. Ambiguous beneficiaries escalate with candidate matches ranked.
Checks and boundaries
What must be tested or reviewed
- 01Every repaired payment re-screens for sanctions before release; non-negotiable.
- 02Repair accuracy sampled by an agent-as-judge against the affirmed gold set.
- 03Value-threshold guardrail: repairs above the threshold are held; the oversight agent re-derives as a check and the accountable payments officer releases.
- 04Immutable before/after audit on every field changed.
Human authority
Acts only within an explicit policy, permission and escalation boundary.
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