---
title: "Monitor bank transfers"
slug: "monitor-bank-transfers"
updated: 2026-02-13T13:13:17Z
published: 2026-02-13T13:13:17Z
canonical: "docs.hawk.ai/monitor-bank-transfers"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hawk.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Monitor bank transfers

Continuously monitor bank transfer transactions (e.g., SEPA, ACH, SWIFT/wire) for AML/screening risk. Each transfer is sent to the **Transaction Checks API** with clear payer/payee roles. The service returns an immediate decision when possible and/or opens a case for review.

Send a single bank-transfer transaction (SEPA shown below) to the Transaction Checks API. The same applies to other type of bank transfers (SWIFT, ACH, domestic).

```json
{
    "tenantProcessingTimestamp": "2022-02-17T16:54:54.000Z",
    "tenantTransactionId": "c45d38a6-2384-49aa-98ab-60134a50a5d7",
    "accountHoldingParty": "FUNDS_ORIGINATOR",
    "fundsOriginator": {
        "accountNumber": "DE19445010802556045850",
        "holder": "Mario Meischberger",
        "scheme": "SEPA"
    },
    "fundsBeneficiary": {
        "accountNumber": "DE08375326021411724437",
        "holder": "Gerhard Meischberger",
        "scheme": "SEPA"
    },
    "settledAmount": 350,
    "settledCurrency": "EUR",
    "usage": "Vielen Dank",
    "paymentMeans": "TRANSFER",
    "channel": "ONLINE_BANKING"
}
```

> [!NOTE]
> [**Try it out here**](https://s3.eu-central-1.amazonaws.com/demotool.dev.hawk.ai/documentation_scenarios.html#Use+Case:+Bank+Transfer)

#### Request body

| Field | Description |
| --- | --- |
| `tenantProcessingTimestamp` | Time (UTC, ISO-8601) when you processed the transaction. |
| `tenantTransactionId` | Your unique ID for this transaction (for traceability/idempotency). |
| `accountHoldingParty` | Who is your Customer in this transfer (payer or payee). |
| `fundsOriginator` | Payer account details (see object fields below). |
| `fundsBeneficiary` | Payee account details (see object fields below). |
| `settledAmount` | Amount that settled on the account. |
| `settledCurrency` | Settlement currency (ISO-4217 alpha-3). |
| `usage` | Payment reference/purpose text from the originator. |
| `paymentMeans` | Type of payment (e.g., transfer, cash, fee). |
| `channel` | How the transfer was initiated (e.g., online banking, branch, ATM). |

#### `fundsOriginator` / `fundsBeneficiary` object

| Field | Description |
| --- | --- |
| `accountNumber` | Account identifier (IBAN for SEPA; local account number for other types). |
| `holder` | Account holder name. |
| `scheme` | Payment scheme used (e.g., SEPA, SWIFT, DOMESTIC, ACH). |

## 

  

The end-customer of your organization (ie: the account holder in your bank), also known as the Account Holding Party