Payments in flight, overnight batches, onboarding requests and an analyst’s search all run through the same matching engine, the same list versions and the same audit trail. Clean traffic closes at once; hits wait in a case.
SWIFT MT, ISO 20022 MX and ACH — over REST, SOAP, SFTP, IBM MQ or Kafka.
What was entered
Header
Parties
Free text
Possible match · PETROV, Vladimir
on OFAC SDNImmediate answer sentHit pending184 ms
Due 14:30· 1 h 58 min leftIllustrative — invented names and figures.
Message types and channels WICS screens
Payments, batches, onboarding and investigations share the same matching engine, list versions and decision record. A name gets the same answer wherever it is screened.
Screen payments in flight, before funds move, without adding noticeable delay to the payment rail.
Re-screen your whole customer and counterparty book overnight, finished before the business day starts.
Check new customers against Sanctions, PEP and Adverse Media lists inside your onboarding journey.
Let investigators search every list directly, with each query and result kept as audit evidence.
Connect WICS the way your payment systems already talk. One setup serves every way in, so the same payment always gets the same result.
REST, and SOAP 1.1 and 1.2 with a WSDL. A GetStatus call tells the caller where a payment stands.
Drop message files in a folder, or exchange them over SFTP in both directions, with the server’s host key pinned.
Read payments from IBM MQ or Kafka and answer on the queue your system listens to.
An officer pastes a message and screens it. Same engine, same case, same audit trail.
Every channel has its own API keys, with scopes, an IP allow list and an optional HMAC signature.
WICS reads each party by its role and screens the fields you choose. A field it does not know is kept under Other fields — never lost.
A field WICS does not know is kept under Other fields.
Illustrative — invented names and figures.
WICS forms cases the way your officers think about payments. Each case shows what was entered: the header, each party by role and the free text of fields 70 and 72, with the matched words highlighted and the raw message one click away.
A pain.001 with 200 salaries is one decision, not 200.
Three MT103s in one file become three cases, each with its own answer.
An identical resend gets the same case and answer, marked duplicate. Same reference, new content: a new case, linked to the earlier version.
A payment with no hit goes straight to History. Only hits wait in a case.
The calling system hears from WICS at once, and again when a person has decided. Any channel in, any channel out.
Payment TRF-261013-0042
Answers on IBM MQ09:41:07.184
Sent as soon as the payment is screened. A clean payment gets “No hit” and closes.
09:58:40
Optional: only for the statuses your bank ticks.
10:12:03
By A. Karim: “Different person — the date of birth does not match.”
Or rejected, or cancelled — always with who decided and why.
Kafka → SOAPForce-ACKed by L. Haddad · reason kept in the audit log
Illustrative — invented names and figures.
When retries run out, the answer waits here. Send it again, or Force ACK with a reason — fully audited.
Systems that prefer to ask can check where a payment stands, at any time.
Each channel has its own API keys, scopes and IP allow list, with an optional HMAC signature.
Every held payment has a deadline: the calling system’s, or the one a rule sets — the earlier wins. WICS counts it in your business hours.
No deadline ever releases, rejects or cancels a payment.
Head office· Sun–Thu · 08:00–16:00
Confirmed by the bank09:30Warning sent to the Level 1 team
10:00Overdue — the case is marked
Still held. Release, reject or cancel stays with a person.
Illustrative — invented names and figures.
Schedule batch jobs for customer and counterparty files. Each hit row becomes its own case; the clean rows close as one line in History.
Nightly customer re-screen
Every day · 01:00
03:12 of a 4 h window
27 hit rows
27 cases
3,148,193 clean rows
1 line in History
Illustrative — invented names and figures.
Sanctioned parties appear in many alphabets and spellings. WICS brings every name to a comparable form before it scores a single candidate — and TreeSHAP shows what moved each score.
Full-width letters, ligatures and other compatibility forms collapse to one form.
Each part of a name is classed by script, so the right transliteration applies.
Arabic, Cyrillic, CJK and Hebrew names become comparable Latin forms, common variants included.
Edit distance with transpositions, computed bit-parallel for high throughput.
Customer
Wladimir Petrow
1968 · DE
List entry · OFAC SDN
Петров Владимир · PETROV, Vladimir
1968 · RU
Illustrative — invented names and figures.
Your bank decides what is noise. When a rule answers a hit as a false positive, the hit stays on the case — greyed, with the rule’s name on it.
Free text · field 70
Hits
Waits for a person
3 hits · 1 discarded by a rule · 1 good guy · 1 waits for a person
Illustrative — invented names and figures.