Connected payment paths
See how related transfers contribute to a wider investigative picture.
FINANCIAL-CRIME SOLUTIONSPFIN
PFIN
Follow the relationship behind the transfer.
Explore connected transfers, accounts and counterparties to bring greater context to financial investigations.
What this solution does
PFIN — Predictive Financial Illicit-Network Intelligence — focuses on the relationships behind financial transfers. It helps investigators consider a payment as part of a wider path through accounts, counterparties and institutions, using information they are authorised to access. The aim is to bring connected activity into view so teams can form and assess better-supported investigative leads.
The challenge
A payment in isolation often reveals less than the path it belongs to. Analysts need to understand connected transfers, repeated counterparties and the provenance of every relationship.
What your teams can do
Relationship context
Understand links between accounts and counterparties using information your institution is permitted to access.
Evidence for investigation
Keep investigative findings connected to supporting information and its origin.
A wider transfer picture
Explore connected transfers alongside their timing and business context. Help investigators understand how an individual payment contributes to a broader sequence.
Counterparty relationships
Consider accounts and counterparties together while keeping uncertain relationships visible. Similar details should prompt assessment rather than an unsupported conclusion that two parties are the same.
Investigation continuity
Keep the supporting information behind a lead available as the investigation develops. Where participating institutions agree to collaborate, scope the exchange around authorised evidence and clear responsibilities.
Data quality and review evidence
These capabilities are included within this product’s agreed scope.
Data quality & record context
Highlight incomplete or conflicting transfer and account references. Preserve the evidence behind proposed account or counterparty relationships rather than treating an uncertain link as established identity.
Audit & compliance evidence
Keep the authorised information scope and supporting transfer references behind an investigative path. Retain analyst observations and the context of reviewed leads.
Who it helps
- Financial-crime investigators
- Transaction-analysis teams
- Authorised inter-institution collaboration teams
Banking use cases
Illustrative situations showing how the solution can support a bank’s work; these are not customer case studies.
Following a connected path
An investigator examines a transfer from account A to B and sees that B later transfers funds to C. Where the relevant records are available, PFIN helps the team explore the sequence and decide whether further enquiry is justified.
Understanding repeated intermediaries
Several reviewed payments appear to pass through the same intermediary accounts. An analyst can examine those connections in context rather than reviewing each transfer as an isolated event.
Value for your institution
For investigators
A connected view can make complex transfer relationships easier to understand and explain.
For financial-crime teams
Bring evidence and investigative questions together when assessing potentially related activity.
For collaboration
Frame cross-institution enquiries around a clear lead and the information each participant may share.
Common questions
Can PFIN see every bank’s transactions?
No. Visibility depends on available authorised records, participating institutions and applicable sharing arrangements.
Does a connected path prove illicit activity?
No. Relationships and patterns provide investigative context. The product name does not imply certainty about wrongdoing or a guarantee of predicting crime.
Shape the right engagement
Discuss your available transaction information, investigative questions and permitted collaboration boundaries.
Define the relevant business scope, permitted information, review responsibilities and practical acceptance needs with your institution. This creates a clear basis for discussing delivery and support.