Connector Architecture

When an Incoming or Outgoing payment reaches the SEPA Payment Gateway, the Mambu Process Orchestrator (MPO) process Payment Receiver Router is triggered. The MPO connector sends a payment messages to ComplyAdvantage for analysis. After analyzing the payment, ComplyAdvantage responds with the results of the alert rules: one of Soft Stop, Hard Stop or passed rules. Depending on these results, the MPO connector determines the Anti-Money Laundering (AML) status of the payment as Accepted or Suspended.

The Accepted payments are allowed to proceed for further processing, whereas Suspended payments are held for review in ComplyAdvantage. When an alert triggered by a payment is Accepted or Rejected in ComplyAdvantage, the review result is sent to the MPO connector.

The connector has a component called Alerts Analyser [to be linked to CA] which receives the review result and, after all alerts triggered by a Suspended payment are reviewed in ComplyAdvantage, the connector sends the status to the Single Euro Payments Area (SEPA) Payment Gateway, which either processes or rejects the payment based on the status received (Accepted or Rejected).

Interactions between systems, the structure of the messages sent (request and response), relevant data fields and the sequence of the messages are according to the diagram below: