Introduction & Setup

The AML Suspense Accounting feature allows Mambu customers to redirect the money of an incoming or outgoing transaction which requires in-depth AML verification to a predefined “Suspense Account”, while the external third party AML provider (AML TPP) analyses the payments details.

If this feature is enabled, when the Mambu Payment Gateway (MPG) receives a SUSPENDED AML result (through the standard AML response endpoint), it will automatically redirect the funds towards the Suspense Account. When a definitive result is received, such as ACCEPTED, the MPG will move the funds from the Suspense Account to the beneficiary account, or execute the standard return flow in case of AML true positive response (REJECTED status).

AML Suspense Account configuration

The Suspense Account needs to be configured on the Mambu Core Banking System, following the description here. A Suspense Account can be created for each BIC used inside the MPG (either configured as Bank BIC in the System Properties page, or assigned to a specific scheduler in the Schedulers page). After a Suspense Account has been created, it has to be configured on the MPG's System Properties page before it can be used by the MPG.

After enabling AML Suspense Accounting, a new section will be available giving the possibility to set a Suspense Account for each BIC. All suspended incoming or outgoing payments which were initiated with a specific BIC will be redirected to the Suspense Account assigned to it.

In this example, two separate BICs are configured in the MPG, and a Suspense Account ID is specified for each of them.

At the same time, an External Account Representation can be configured for each bank account, in case the funds need to be redirected to an account other than the originator or beneficiary of the payment, either within the same Mambu tenant, or towards an external bank. In this case, the payment can be marked with one of two additional AML statuses: MANUAL_REDIRECT_INTERNAL, when the funds were redirected towards an account managed by the same Mambu tenant, or MANUAL_REDIRECT_EXTERNAL when the funds were redirected towards another bank. Both these statuses can be specified through the standard AML response endpoint.

AML Suspense Accounting execution flows

In the following section, both the standard and Suspense Accounting AML flows will be described in detail.