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 Detection Method: Bank Account in High-Risk Country

 

You can use this detection method to identify payments to a debtor or creditor whose bank account is located in a high-risk country. A high-risk country is one that is characterized by high levels of corruption, or by risk of instability or conflict, or by regulatory or trade risk.

This method checks bank locations against a list of high-risk countries that you specify. High-risk country lists rank countries by their risk. The lower the rank, the lower the risk.

A result of 100 is returned for a bank located in a high-risk country. You specify the number of ranks in a list - starting from the highest, worst ranks and reading down - that should be evaluated by the method. Alert messages identify the customer, the bank account number, and the high-risk country.

High-risk country lists belong to technology shared among detection rules. For more information on this functionality, see High-Risk Country Screening.

Logic

A payment proposal item is marked as suspicious and a result of 100 is returned if both of the following two conditions are met:

  • The ISO country code of the bank of a partner matches one of the high-risk countries evaluated by the detection method. The bank country code is determined as follows:

    • For a regular vendor, it is the country code in LFBK-BANKS

    • For a regular customer, it is the country code in KNBK-BANKS.

    • For CPD (customer per day, one-time) customers and vendors, it is the country code in BSEC-BANKS

  • The country code of the bank is different than the country code of your company. This is the country code of the company code, in T001-LAND1.

    This second condition means that the alert result remains 0 if a payment is made within the country of your company, even if that country is a high-risk country.

    Example: Country X is ranked 170th in a corruption perception index. Your company is also located in country X. Payments made by your company to vendors or customers whose bank is located in country X are not flagged as suspicious. The payments are not considered suspicious because they are made in the home country of your company.

Investigation and Detection Object Types

  • Investigation object type: FRA_DOC_IT (Accounting Document Line Item for Outgoing Payment)

  • Detection object type: FRA_PAYPRO (Payment Proposal Item)

ERP Tables Used

  • BSEG: Accounting Document Segment

  • BSEC: One-Time Account Data Document Segment

  • BKPF: Accounting Document Header

  • T001: Company Codes

  • LFBK: Vendor Master (Bank Details)

  • LFA1: Vendor Master (General Section)

  • KNA1: General Data in Customer Master

  • KNBK: Customer Master (Bank Details)

Procedures for Detection Methods

Procedure Category

Procedure Name

Procedure Type

Package

Selection

PR_ACC_HIGH_RISK_CTRY_SELE

SQLScript Procedure

sap.hana-app.fra.suite.acc.dt.accdocitem.paymentproposalitem.se

Execution

PR_ACC_HIGH_RISK_CTRY_EXEC

SQLScript Procedure

sap.hana-app.fra.suite.acc.dt.accdocitem.paymentproposalitem.ex

Additional Information

PR_ACC_HIGH_RISK_CTRY_ADDINF

SQLScript Procedure

sap.hana-app.fra.suite.acc.dt.accdocitem.paymentproposalitem.ai
Detection Method Parameters

  • BOTTOM_N_RANKS is filled with a numeric value (for example 10) and determines how many of the highest, worst ranks of high-risk countries are to be considered within the detection process.

    If the list has 174 ranks, and BOTTOM_N_RANKS is set to 10, then the countries ranked 165th through 174th would be evaluated.

  • HIGH_RISK_COUNTRY_LIST contains the ID of the high-risk country list to use.

Alert Messages

  • FRA_INTERNAL_AUDIT, message number 125, Business partner &1 (&2) has bank account &3 in the high risk country &4