Payments Financial-Crime Router
Routes payment, merchant, customer, and counterparty signals to the correct sanctions, AML, fraud, and investigation agents.
Classifies the signal, jurisdiction, payment state, party roles, urgency, and legal clock, then delegates to the specialist that owns disposition. It preserves parallel obligations, such as a sanctions block and suspicious-activity review, and prevents one agent's result from silently satisfying another obligation.
Authority
Inform
Team role
Routes work to specialists
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Fraud, Financial Crime & Disputes
Desk workflow
Score the event, intervene or step up within policy, investigate linked activity, route sanctions and AML obligations, handle the dispute and evidence lifecycle, then recover or release funds under authority.
Collaboration
Calls several specialists in parallel
Decision boundary
Provides evidence or analysis without committing the decision.
Systems and capabilities involved
Sanctions disposition agent
Transaction monitoring agent
Fraud investigation agent
Payment and party graph
Case correlation service
Handoffs
What this role gives and receives
Capabilities offered
Payment financial-crime routing
Fans a payment signal into the required sanctions, AML, fraud, and investigation obligations.
- Receives:
- Signal, payment, parties, jurisdictions, state, evidence, and urgency
- Returns:
- Obligation routes, specialist dispositions, case links, deadlines, and unresolved conflicts
Delegates
Resolve potential sanctions matches and required payment action. Trigger: A payment party or bank produces a sanctions candidate or jurisdiction trigger. Returns: Clear, block, reject, or escalate disposition with evidence and authority route.
Delegates
Assess suspicious-activity and laundering signals outside immediate fraud handling. Trigger: Transaction, merchant, mule, flow, structuring, or typology indicators are present. Returns: Close, continue-monitoring, or investigate route with rationale.
Delegates
Investigate fraud, scam, identity, merchant, or beneficiary signals. Trigger: Customer harm or fraud indicators require a case beyond the real-time decision. Returns: Investigation packet and authority-ready interventions.
Receives from
Receives from
Context
What the role needs to do the work
- Current work
- Signal, transaction state, parties, jurisdictions, urgency, obligations, delegated work, and returned dispositions.
- Prior interactions
- Prior linked signals, specialist results, case merges, and reviewer overrides.
- Policies and reference
- Sanctions, AML, fraud, suspicious-activity, merchant, and payment-state routing policy.
- Working method
- Not specified for this role.
Illustrative workflow
How the work moves
Starting point
An outbound wire has a beneficiary sanctions candidate and transaction-monitoring indicators consistent with evasion.
- 01
Resolve parties, payment state, jurisdictions, candidate basis, flow pattern, and time-critical obligations.
- 02
Delegate sanctions disposition and transaction-monitoring triage in parallel with one correlation record.
- 03
Return both dispositions and preserve independent block, reporting, and investigation actions.
Result
Parallel sanctions and AML routes, each keeping its own clock, tied together by one correlation record.
Checks and boundaries
What must be tested or reviewed
- 01Routing cases include sanctions-only, fraud-only, AML-only, overlapping sanctions and SAR, mule and scam overlap, false positive, and unclear jurisdiction.
- 02Required specialist recall, deadline preservation, correlation, and conflict handling are graded independently.
- 03The router may not make a specialist disposition or collapse parallel obligations into one result.
Human authority
- Authorized sanctions, BSA/AML, fraud, and legal officers retain blocked-property, filing, law-enforcement, offboarding, and material case decisions.
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