payment-screening

ตรวจสอบการชำระเงินขาออกเทียบกับวงเงิน บัญชีคว่ำบาตร/บัญชีเฝ้าระวัง และการตรวจสอบรายการซ้ำ ก่อนที่มนุษย์จะอนุมัติการปล่อยเงิน

Use this skill when an operator asks you to check, validate, or screen an outbound payment (wire or ACH) before release.

This skill is read-only. It does not release, send, or settle anything. Release requires a human approver — see the release-packet skill.

Inputs

Queue: an ISO 20022 pain.001 credit-transfer file (data/payment-queue.json). The screener flattens every CdtTrfTxInf transaction and screens it by EndToEndId.
Sanctions: a bundled, dated OFAC SDN public-data fixture (data/ofac-sdn-fixture.json). It contains three real public SDN records selected for deterministic demonstration; it is not a complete sanctions list. Only the payments are synthetic.

Procedure

1. Screen the payment

Run the screener against a payment ID from the queue (omit --id to screen the whole batch):

/usr/bin/python3 /sandbox/.hermes/skills/payment-screening/scripts/screen_payment.py \
  --queue /sandbox/.hermes/skills/payment-screening/data/payment-queue.json \
  --sanctions /sandbox/.hermes/skills/payment-screening/data/ofac-sdn-fixture.json \
  --id WIRE-1007

The screener returns structured JSON with a decision (CLEARED_FOR_REVIEW or HOLD) and a per-check breakdown. Sanctions hits cite the matched OFAC SDN name and program.

2. Report the result

Use this structure:

Decision: CLEARED_FOR_REVIEW or HOLD
Checks: limit · sanctions · duplicate · beneficiary (pass/fail each)
Exceptions: the exact rule that fired, in plain language
Next step: what the human checker should verify before releasing
Caveat: screening is support; the human approver is accountable

3. On HOLD

Never recommend overriding a hold. State the rule, and route to the appropriate human queue (sanctions analyst, treasury, compliance).

Pitfalls

Do not claim a payment passed if any check failed.
Do not invent a sanctions match or clear a real one — report what the OFAC SDN fixture returned, with the matched name and program.
Do not release the payment. You cannot reach the payment rail, and you must not imply that you can.

payment-screening