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API

NICE Actimize Web Services Integration Catalog

Overview​

NICE Actimize components can interact with various web services through multiple integration patterns including REST APIs, SOAP web services, custom APIs, and third-party service integrations. Here's a comprehensive list organized by category and use case.

1. NICE Actimize Native Web Services​

Platform APIs​

  • AIS (Actimize Intelligence Server) REST API

    • Purpose: Core platform operations and job management
    • Endpoints: Job execution, monitoring, configuration
    • Format: REST/JSON
    • Authentication: Token-based, OAuth2

  • IFM-X API Services

    • Purpose: Fraud management operations
    • Endpoints: Transaction scoring, alert management, case operations
    • Format: REST/JSON, SOAP/XML
    • Authentication: API keys, JWT tokens

  • AML Platform APIs

    • Purpose: Anti-money laundering operations
    • Endpoints: Customer screening, transaction monitoring, SAR generation
    • Format: REST/JSON
    • Authentication: OAuth2, certificate-based

  • ActOne Extend API Library

    • Purpose: Investigation and case management
    • Endpoints: Case creation, workflow management, data correlation
    • Format: REST/JSON
    • Authentication: Role-based access tokens

X-Sight Platform Services​

  • X-Sight AI Services

    • Purpose: Cloud-based analytics and ML model deployment
    • Endpoints: Model training, prediction services, federated learning
    • Format: REST/JSON
    • Authentication: Cloud-native OAuth2

  • ActimizeWatch API

    • Purpose: Collective intelligence and model performance monitoring
    • Endpoints: Model feedback, performance metrics, consortium data
    • Format: REST/JSON
    • Authentication: Secure API keys

2. Core Banking & Financial Systems​

Transaction Processing​

  • ISO 8583 Message Processor

    • Purpose: Real-time payment transaction processing
    • Protocol: TCP/IP, Message Queue
    • Format: ISO 8583 binary/ASCII
    • Integration: Direct socket connection, MQ adapters

  • SWIFT Network Services

    • Purpose: International wire transfer processing
    • Protocol: SWIFT Alliance Gateway, FileNet
    • Format: MT messages (MT103, MT202, etc.)
    • Authentication: SWIFT PKI certificates

  • ACH Processing APIs

    • Purpose: Automated Clearing House transactions
    • Protocol: HTTP/HTTPS, SFTP
    • Format: NACHA file format, REST/JSON
    • Integration: Batch file processing, real-time APIs

  • Real-Time Payment APIs

    • Purpose: Instant payment processing (FedNow, RTP, Faster Payments)
    • Protocol: HTTPS, ISO 20022
    • Format: JSON, XML
    • Authentication: mTLS, API keys

Core Banking Platforms​

  • Temenos T24/Transact API

    • Purpose: Core banking data and transaction history
    • Protocol: REST, SOAP
    • Format: JSON, XML
    • Endpoints: Customer data, account information, transaction history

  • FIS Profile/Systematics API

    • Purpose: Customer and account management
    • Protocol: REST, proprietary APIs
    • Format: JSON, fixed-width files
    • Integration: Real-time APIs, batch data feeds

  • Jack Henry Symitar/SilverLake APIs

    • Purpose: Credit union and community bank core systems
    • Protocol: REST, SOAP
    • Format: JSON, XML
    • Integration: Direct API calls, middleware integration

  • Fiserv DNA/Premier APIs

    • Purpose: Core banking transaction and customer data
    • Protocol: REST, SOAP
    • Format: JSON, XML
    • Authentication: OAuth2, API keys

3. Payment & Card Networks​

Card Network APIs​

  • Visa Advanced Authorization (VAA)

    • Purpose: Real-time transaction authorization and scoring
    • Protocol: HTTPS
    • Format: JSON
    • Integration: Direct API integration, Visa Token Service

  • Mastercard Decision Intelligence

    • Purpose: Fraud scoring and transaction insights
    • Protocol: HTTPS
    • Format: JSON, XML
    • Authentication: mTLS, API keys

  • American Express SafeKey API

    • Purpose: 3D Secure authentication and fraud prevention
    • Protocol: HTTPS
    • Format: JSON
    • Integration: Real-time authentication checks

Digital Payment Platforms​

  • Zelle Network API

    • Purpose: P2P payment fraud monitoring
    • Protocol: HTTPS
    • Format: JSON
    • Integration: Real-time transaction monitoring

  • PayPal Risk API

    • Purpose: Digital wallet transaction screening
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: OAuth2

  • Apple Pay/Google Pay APIs

    • Purpose: Mobile payment transaction verification
    • Protocol: HTTPS
    • Format: JSON
    • Integration: Token validation, device attestation

4. External Data & Intelligence Services​

Credit & Identity Verification​

  • Experian CrossCore API

    • Purpose: Credit reports, identity verification, fraud detection
    • Protocol: REST/HTTPS
    • Format: JSON, XML
    • Authentication: API keys, OAuth2

  • Equifax Identity & Fraud API

    • Purpose: Identity proofing, synthetic identity detection
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Real-time verification calls

  • TransUnion TruValidate API

    • Purpose: Identity authentication and risk assessment
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: mTLS, API keys

  • LexisNexis Risk Solutions API

    • Purpose: Identity verification, fraud prevention, compliance screening
    • Protocol: SOAP, REST
    • Format: XML, JSON
    • Integration: Batch and real-time processing

Device & Behavioral Intelligence​

  • ThreatMetrix/LexisNexis Digital Identity API

    • Purpose: Device fingerprinting and behavioral analysis
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: JavaScript SDK, server-side API

  • Iovation FraudForce API

    • Purpose: Device reputation and fraud detection
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: API keys

  • BioCatch Behavioral Biometrics API

    • Purpose: User behavior analysis and session monitoring
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Real-time behavioral scoring

  • Kount Identity Trust API

    • Purpose: Digital identity verification and fraud prevention
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: OAuth2

Geolocation & IP Intelligence​

  • MaxMind GeoIP2 API

    • Purpose: IP geolocation and risk scoring
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Real-time IP analysis

  • IPQualityScore API

    • Purpose: IP reputation and proxy detection
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: API keys

5. Regulatory & Compliance Services​

Sanctions & Watchlist Screening​

  • Dow Jones Risk & Compliance API

    • Purpose: Sanctions screening, PEP lists, adverse media
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: OAuth2

  • Thomson Reuters World-Check One API

    • Purpose: Enhanced due diligence and sanctions screening
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Real-time and batch screening

  • Refinitiv Sanctions Screening API

    • Purpose: Global sanctions and watchlist screening
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: API keys

  • OFAC SDN List API

    • Purpose: US Treasury sanctions screening
    • Protocol: REST/HTTPS, XML feeds
    • Format: JSON, XML
    • Integration: Daily updates, real-time checks

Regulatory Reporting​

  • FinCEN BSA E-Filing API

    • Purpose: Suspicious Activity Report (SAR) filing
    • Protocol: HTTPS, SFTP
    • Format: XML (FinCEN SAR XML)
    • Authentication: Digital certificates

  • SWIFT Compliance Analytics API

    • Purpose: Trade-based money laundering detection
    • Protocol: HTTPS
    • Format: JSON, XML
    • Integration: Transaction pattern analysis

6. Fraud Intelligence & Consortium Data​

Fraud Networks​

  • FICO Falcon Intelligence Network

    • Purpose: Consortium fraud intelligence sharing
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Anonymous fraud pattern sharing

  • Emailage/LexisNexis Email Risk API

    • Purpose: Email reputation and fraud risk scoring
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: API keys

  • Neustar IP Intelligence API

    • Purpose: IP risk assessment and fraud detection
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Real-time IP scoring

Dark Web Intelligence​

  • Flashpoint Intelligence API

    • Purpose: Dark web monitoring and threat intelligence
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: API keys

  • IntSights Threat Intelligence API

    • Purpose: Cyber threat and fraud intelligence
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Automated threat feeds

7. Communication & Notification Services​

Customer Communication​

  • Twilio SMS/Voice API

    • Purpose: Customer alerts and fraud verification
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Real-time notifications

  • SendGrid Email API

    • Purpose: Email notifications and alerts
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: API keys

  • Amazon SNS (Simple Notification Service)

    • Purpose: Multi-channel customer notifications
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Push notifications, SMS, email

Internal Communications​

  • Slack API

    • Purpose: Internal team notifications and alerts
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Webhook-based alerts

  • Microsoft Teams API

    • Purpose: Collaboration and alert notifications
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: OAuth2

8. Cloud & Infrastructure Services​

AWS Services​

  • Amazon S3 API

    • Purpose: Data storage and backup
    • Protocol: REST/HTTPS
    • Format: JSON, binary
    • Authentication: AWS IAM

  • Amazon Lambda API

    • Purpose: Serverless processing and automation
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Event-driven processing

  • Amazon SQS API

    • Purpose: Message queuing and asynchronous processing
    • Protocol: REST/HTTPS
    • Format: JSON, XML
    • Authentication: AWS IAM

Microsoft Azure Services​

  • Azure Blob Storage API

    • Purpose: Large-scale data storage
    • Protocol: REST/HTTPS
    • Format: JSON, binary
    • Authentication: Azure AD

  • Azure Cognitive Services API

    • Purpose: AI and ML model integration
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Custom model deployment

Google Cloud Services​

  • Google Cloud Storage API

    • Purpose: Data archiving and analytics
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: Service accounts

  • Google AI Platform API

    • Purpose: Machine learning model deployment
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Custom ML models

9. Business Intelligence & Analytics​

Reporting & Visualization​

  • Tableau Server API

    • Purpose: Dashboard and report integration
    • Protocol: REST/HTTPS
    • Format: JSON, XML
    • Authentication: Personal access tokens

  • Power BI REST API

    • Purpose: Business intelligence and reporting
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: Azure AD

  • Logi Symphony API

    • Purpose: Embedded analytics and reporting
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Custom report generation

Data Warehousing​

  • Snowflake REST API

    • Purpose: Data warehouse operations and analytics
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: OAuth2, key-pair

  • Amazon Redshift API

    • Purpose: Data analytics and warehousing
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: AWS IAM

10. Enterprise Integration​

Middleware & ESB​

  • MuleSoft Anypoint API

    • Purpose: Enterprise service bus and API management
    • Protocol: REST/HTTPS
    • Format: JSON, XML
    • Integration: API gateway and transformation

  • IBM WebSphere MQ API

    • Purpose: Message queuing and reliable messaging
    • Protocol: TCP/IP, HTTP
    • Format: Binary, XML, JSON
    • Authentication: SSL/TLS certificates

  • Apache Kafka REST API

    • Purpose: Real-time data streaming and processing
    • Protocol: REST/HTTPS
    • Format: JSON
    • Integration: Event-driven architecture

Identity & Access Management​

  • Active Directory API

    • Purpose: User authentication and authorization
    • Protocol: LDAP, REST
    • Format: JSON, LDIF
    • Authentication: Kerberos, OAuth2

  • Okta Identity API

    • Purpose: Single sign-on and identity management
    • Protocol: REST/HTTPS
    • Format: JSON
    • Authentication: OAuth2, SAML

Integration Patterns & Protocols​

Common Integration Methods:​

  1. REST APIs: JSON over HTTPS (most common)
  2. SOAP Web Services: XML over HTTP/HTTPS
  3. Message Queues: JMS, AMQP, proprietary protocols
  4. File Transfer: SFTP, FTPS for batch processing
  5. Database Connectors: JDBC, ODBC for direct data access
  6. Event Streaming: Kafka, RabbitMQ for real-time processing

Authentication Methods:​

  • API Keys: Simple authentication for internal services
  • OAuth2: Industry standard for third-party integrations
  • mTLS: Mutual TLS for high-security connections
  • JWT Tokens: Stateless authentication for microservices
  • Certificate-based: PKI certificates for banking networks

Data Formats:​

  • JSON: Primary format for modern APIs
  • XML: Legacy systems and SOAP services
  • Binary: High-performance transaction processing
  • CSV/Fixed-width: Batch file processing
  • ISO standards: ISO 8583, ISO 20022 for financial messaging

This comprehensive list represents the web services ecosystem that NICE Actimize can integrate with, enabling comprehensive financial crime prevention across the entire transaction lifecycle.

NICE Actimize Web Service Integration Guide

Integration 1: Thomson Reuters World-Check One API​

Overview​

World-Check One is the industry-standard sanctions and PEP (Politically Exposed Persons) screening service. NICE Actimize integrates with this API to perform real-time customer screening for AML compliance and sanctions checking.

Business Use Case​

Scenario: A major international bank needs to screen all customers and transactions against global sanctions lists, PEP databases, and adverse media in real-time during onboarding and ongoing monitoring.

Requirements:

  • Screen new customers during account opening
  • Monitor existing customers for list updates
  • Check transaction counterparties in real-time
  • Generate compliance reports for regulators

Technical Integration Architecture​

1. Integration Points in NICE Actimize​

Customer Onboarding → KYC/CDD Module → World-Check API → Compliance Decision
Transaction Processing → AML Scenarios → World-Check API → Risk Scoring
Batch Processing → Customer Refresh → World-Check API → Updated Risk Profiles

2. AIS Configuration Setup​

Step 1: Configure External Service in AIS Admin

AIS Admin Console → External Services → Add New Service
Service Name: WorldCheckOne_Production
Service Type: REST API
Base URL: https://api-worldcheck.refinitiv.com/v2/
Authentication: OAuth2
Timeout: 5000ms (5 seconds)
Retry Policy: 3 attempts with exponential backoff

Step 2: Set up Authentication

<!-- OAuth2 Configuration -->
<oauth-config>
    <client-id>BANK_ABC_CLIENT_ID</client-id>
    <client-secret>ENCRYPTED_CLIENT_SECRET</client-secret>
    <token-url>https://api-worldcheck.refinitiv.com/v2/oauth/token</token-url>
    <scope>worldcheck-api</scope>
    <grant-type>client_credentials</grant-type>
</oauth-config>

3. Scenario Integration​

Step 3: Create Screening Scenario

Scenario Designer → New Scenario → "Real-time Sanctions Screening"
Trigger: Customer onboarding OR High-risk transaction
Conditions:
  - Transaction amount > $10,000 OR
  - Customer risk rating = "High" OR
  - Cross-border transaction = TRUE
Action: Execute World-Check screening

Step 4: Configure API Call Parameters

{
  "searchRequest": {
    "groupId": "BANK_ABC_GROUP",
    "entityType": "INDIVIDUAL",
    "providerTypes": ["SANCTIONS", "PEP", "ADVERSE_MEDIA"],
    "name": "${CUSTOMER_NAME}",
    "addresses": [
      {
        "country": "${CUSTOMER_COUNTRY}",
        "address": "${CUSTOMER_ADDRESS}"
      }
    ],
    "dateOfBirth": "${CUSTOMER_DOB}",
    "passports": [
      {
        "number": "${PASSPORT_NUMBER}",
        "country": "${PASSPORT_COUNTRY}"
      }
    ]
  }
}

4. Response Processing Logic​

Step 5: Configure Response Handling

// Exit Point Script for World-Check Response Processing
function processWorldCheckResponse(apiResponse) {
  var matches = apiResponse.results.matches;
  var riskScore = 0;
  var blockedFlag = false;

  for (var i = 0; i < matches.length; i++) {
    var match = matches[i];

    // Calculate risk based on match strength and category
    switch (match.matchStrength) {
      case "VERY_STRONG":
        riskScore += 100;
        if (match.categories.includes("SANCTIONS")) {
          blockedFlag = true;
        }
        break;
      case "STRONG":
        riskScore += 75;
        break;
      case "MEDIUM":
        riskScore += 50;
        break;
      case "WEAK":
        riskScore += 25;
        break;
    }

    // Additional scoring for category types
    if (match.categories.includes("SANCTIONS")) {
      riskScore += 200; // Critical for sanctions
    } else if (match.categories.includes("PEP")) {
      riskScore += 50; // Enhanced due diligence needed
    } else if (match.categories.includes("ADVERSE_MEDIA")) {
      riskScore += 30; // Reputational risk
    }
  }

  // Return decision
  return {
    worldcheck_risk_score: Math.min(riskScore, 400), // Cap at 400
    sanctions_blocked: blockedFlag,
    enhanced_dd_required: riskScore > 100,
    match_count: matches.length,
    screening_timestamp: new Date().toISOString(),
  };
}

Implementation Steps​

Step 1: Environment Setup​

# Configure network connectivity
# Whitelist World-Check One API endpoints
API_ENDPOINT: api-worldcheck.refinitiv.com (Port 443)
AUTH_ENDPOINT: api-worldcheck.refinitiv.com (Port 443)

# Configure SSL certificates
openssl s_client -connect api-worldcheck.refinitiv.com:443 -showcerts
# Import certificates to AIS truststore

Step 2: API Credentials Configuration​

-- Store encrypted credentials in AIS database
INSERT INTO ais_external_services (
    service_name,
    client_id,
    client_secret_encrypted,
    base_url,
    auth_type
) VALUES (
    'WorldCheckOne',
    'BANK_ABC_WC_CLIENT',
    ENCRYPT('actual_client_secret'),
    'https://api-worldcheck.refinitiv.com/v2/',
    'OAUTH2'
);

Step 3: Test Connection​

# Test API connectivity from AIS server
curl -X POST https://api-worldcheck.refinitiv.com/v2/oauth/token \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "grant_type=client_credentials&client_id=YOUR_CLIENT_ID&client_secret=YOUR_SECRET"

# Expected response:
{
  "access_token": "eyJhbGciOiJSUzI1NiIs...",
  "token_type": "Bearer",
  "expires_in": 3600
}

Step 4: Configure in AML/KYC Module​

<!-- KYC Module Configuration -->
<kyc-screening-config>
    <provider name="WorldCheckOne">
        <endpoint>worldcheck_screening_service</endpoint>
        <mandatory-fields>
            <field>customer_name</field>
            <field>customer_address</field>
            <field>customer_country</field>
        </mandatory-fields>
        <optional-fields>
            <field>date_of_birth</field>
            <field>passport_number</field>
            <field>national_id</field>
        </optional-fields>
        <risk-thresholds>
            <sanctions>immediate_block</sanctions>
            <pep>enhanced_dd</pep>
            <adverse_media>manual_review</adverse_media>
        </risk-thresholds>
    </provider>
</kyc-screening-config>

Real-Life Example​

Scenario: New Customer Onboarding

  1. Customer Application:

    • Name: Vladimir Petrov
    • DOB: 1975-03-15
    • Country: Cyprus
    • Passport: CY123456789

  2. NICE Actimize Processing:

    CDD-X Module → Trigger World-Check Screening → API Call Initiated

  3. API Request:

    POST https://api-worldcheck.refinitiv.com/v2/cases/screeningRequest
    {
      "searchRequest": {
        "groupId": "BANK_ABC_GROUP",
        "entityType": "INDIVIDUAL",
        "name": "Vladimir Petrov",
        "dateOfBirth": "1975-03-15",
        "addresses": [{"country": "CY"}],
        "passports": [{"number": "CY123456789", "country": "CY"}]
      }
    }

  4. API Response:

    {
      "results": {
        "matches": [
          {
            "matchId": "12345",
            "matchStrength": "STRONG",
            "categories": ["PEP"],
            "subcategories": ["GOVERNMENT_OFFICIAL"],
            "person": {
              "name": "Vladimir Petrov",
              "position": "Deputy Minister of Finance"
            }
          }
        ]
      }
    }

  5. NICE Actimize Decision:

    Risk Score: 125 (Base: 75 + PEP: 50)
    Decision: Enhanced Due Diligence Required
    Action: Route to senior compliance officer
    Alert Generated: High-Priority PEP Alert

Integration 2: Twilio SMS/Voice API​

Overview​

Twilio provides cloud-based communication services for SMS, voice calls, and multi-factor authentication. NICE Actimize integrates with Twilio to send real-time fraud alerts to customers and perform transaction verification.

Business Use Case​

Scenario: Credit union needs to immediately contact customers when suspicious transactions are detected, providing multiple communication channels for verification and fraud prevention.

Requirements:

  • Send SMS alerts for suspicious transactions
  • Make voice calls for high-value fraud attempts
  • Provide two-way communication for transaction verification
  • Log all communications for compliance audit trails

Technical Integration Architecture​

1. Integration Points in NICE Actimize​

Fraud Detection → Alert Generation → Customer Communication → Response Processing
Real-time Scoring → Risk Threshold → Twilio API → Customer Verification
Investigation Workflow → Manual Review → Outbound Communication → Case Updates

2. AIS Configuration Setup​

Step 1: Configure Twilio Service

AIS Admin Console → External Services → Communication Services
Service Name: Twilio_Production
Service Type: REST API
Base URL: https://api.twilio.com/2010-04-01/
Authentication: Basic (Account SID + Auth Token)
Rate Limiting: 100 requests/minute
Failover: Secondary Twilio subaccount

Step 2: Authentication Setup

<!-- Twilio Basic Authentication -->
<twilio-config>
    <account-sid>ACxxxxxxxxxxxxxxxxxxxxxxxxxxxxx</account-sid>
    <auth-token>ENCRYPTED_AUTH_TOKEN</auth-token>
    <from-phone>+1234567890</from-phone>
    <webhook-url>https://actimize.bank.com/twilio/webhook</webhook-url>
</twilio-config>

3. Fraud Alert Integration​

Step 3: Configure Communication Scenarios

IFM-X Scenario → "High-Value Transaction Alert"
Trigger: Transaction amount > $5,000 AND risk_score > 200
Communication Rules:
  - SMS: Send within 30 seconds
  - Voice: If SMS not delivered within 2 minutes
  - Email: As backup communication method

Step 4: SMS Alert Template Configuration

// SMS Message Template
function generateSMSAlert(transactionData) {
  var message =
    `FRAUD ALERT: We detected a $${transactionData.amount} ` +
    `transaction on your account ending in ${transactionData.last4digits} ` +
    `at ${transactionData.merchant}. ` +
    `Reply YES if authorized or NO if fraudulent. ` +
    `Ref: ${transactionData.alertId}`;

  return {
    to: transactionData.customerPhone,
    body: message,
    statusCallback: "https://actimize.bank.com/twilio/status",
    validityPeriod: 300, // 5 minutes
  };
}

4. Voice Call Integration​

Step 5: Configure Voice Alert System

<!-- TwiML for Voice Calls -->
<twiml-script name="fraud_verification">
    <Say voice="alice">
        Hello, this is Security from Your Bank. We detected a potentially
        fraudulent transaction on your account. Press 1 if you authorized
        this transaction, or Press 2 if this is fraud.
    </Say>
    <Gather numDigits="1" action="/twilio/process-response" timeout="10">
        <Say>Press 1 for authorized, or 2 for fraud.</Say>
    </Gather>
    <Say>We didn't receive your response. Please call us back at 1-800-BANK.</Say>
</twiml-script>

Implementation Steps​

Step 1: Twilio Account Setup​

# Install Twilio CLI for testing
npm install twilio-cli -g
twilio login

# Test API connectivity
curl -X POST https://api.twilio.com/2010-04-01/Accounts/ACCOUNT_SID/Messages.json \
  --data-urlencode "To=+1234567890" \
  --data-urlencode "From=+0987654321" \
  --data-urlencode "Body=Test message from NICE Actimize" \
  -u ACCOUNT_SID:AUTH_TOKEN

Step 2: Configure Exit Point in AIS​

AIS Admin → Exit Points → Add Communication Exit Point
Name: TwilioSMSAlert
Trigger: After alert generation
Condition: customer_phone IS NOT NULL AND alert_priority >= 'HIGH'
Executable: /opt/actimize/scripts/twilio_sms.py
Parameters: ${alert_data}, ${customer_data}

Step 3: Python Integration Script​

#!/usr/bin/env python3
# /opt/actimize/scripts/twilio_sms.py

import sys
import json
import logging
from twilio.rest import Client
from datetime import datetime

def send_fraud_alert(alert_data, customer_data):
    # Twilio credentials from environment or config
    account_sid = 'ACxxxxxxxxxxxxxxxxxxxxxxxxxxxxx'
    auth_token = 'your_auth_token'
    from_phone = '+1234567890'

    client = Client(account_sid, auth_token)

    # Generate message content
    message_body = f"""
    FRAUD ALERT: ${alert_data['amount']} transaction detected
    at {alert_data['merchant']} on account ending {alert_data['last4']}.
    Reply YES if authorized, NO if fraud. Ref: {alert_data['alert_id']}
    """

    try:
        # Send SMS
        message = client.messages.create(
            body=message_body.strip(),
            from_=from_phone,
            to=customer_data['phone'],
            status_callback='https://actimize.bank.com/twilio/status'
        )

        # Log to Actimize
        log_communication(alert_data['alert_id'], 'SMS', 'SENT', message.sid)

        print(f"SMS_STATUS=SENT|MESSAGE_SID={message.sid}")
        return 0

    except Exception as e:
        log_communication(alert_data['alert_id'], 'SMS', 'FAILED', str(e))
        print(f"SMS_STATUS=FAILED|ERROR={str(e)}")
        return 1

def log_communication(alert_id, channel, status, details):
    # Log to Actimize database for audit trail
    logging.info(f"Alert {alert_id}: {channel} {status} - {details}")

if __name__ == "__main__":
    alert_data = json.loads(sys.argv[1])
    customer_data = json.loads(sys.argv[2])
    sys.exit(send_fraud_alert(alert_data, customer_data))

Step 4: Configure Webhook for Responses​

# Flask webhook handler for customer responses
from flask import Flask, request
import json

app = Flask(__name__)

@app.route('/twilio/webhook', methods=['POST'])
def handle_customer_response():
    # Parse Twilio webhook data
    from_number = request.form['From']
    message_body = request.form['Body'].upper().strip()
    message_sid = request.form['MessageSid']

    # Extract alert reference from original message
    alert_id = extract_alert_id(message_body)

    if message_body in ['YES', 'Y', '1']:
        # Customer confirmed transaction as legitimate
        update_alert_status(alert_id, 'CUSTOMER_CONFIRMED_LEGITIMATE')
        response = "Thank you. Transaction confirmed as legitimate."

    elif message_body in ['NO', 'N', '2']:
        # Customer confirmed fraud
        update_alert_status(alert_id, 'CUSTOMER_CONFIRMED_FRAUD')
        block_card(alert_id)
        response = "Card blocked. New card will be sent within 2 business days."

    else:
        # Invalid response
        response = "Please reply YES if transaction is legitimate or NO if fraudulent."

    # Send response back to customer
    send_sms_response(from_number, response)

    return '', 200

def update_alert_status(alert_id, status):
    # Update alert in NICE Actimize database
    sql = """
    UPDATE fraud_alerts
    SET status = %s, customer_response_time = NOW()
    WHERE alert_id = %s
    """
    execute_sql(sql, [status, alert_id])

Real-Life Example​

Scenario: Suspicious Transaction Detection

  1. Transaction Detected:

    • Amount: $3,500
    • Merchant: Electronics Store Online
    • Time: 2:30 AM
    • Customer: Sarah Johnson
    • Risk Score: 245

  2. NICE Actimize Processing:

    IFM-X Risk Engine → High Risk Score → Generate Alert → Trigger Communication

  3. Twilio SMS API Call:

    POST https://api.twilio.com/2010-04-01/Accounts/AC.../Messages.json
    {
      "To": "+1555123456",
      "From": "+1555BANK01",
      "Body": "FRAUD ALERT: $3,500 transaction at Electronics Store Online on card ending 4567. Reply YES if authorized or NO if fraud. Ref: ALT789456",
      "StatusCallback": "https://fraud.bank.com/twilio/status"
    }

  4. Customer Response (within 2 minutes):

    SMS from +1555123456: "NO"

  5. Automated Actions:

    Webhook Triggered → Parse Response → Update Alert Status → Block Card
    Response SMS: "Card blocked. New card will be sent within 2 business days."
    Case Creation: High-priority fraud investigation case

  6. Audit Trail:

    INSERT INTO communication_log (
        alert_id, channel, direction, message, timestamp, response_time
    ) VALUES (
        'ALT789456', 'SMS', 'OUTBOUND', 'FRAUD ALERT: $3,500...', '2025-07-17 02:31:15', NULL
    ), (
        'ALT789456', 'SMS', 'INBOUND', 'NO', '2025-07-17 02:33:22', '127 seconds'
    );

Benefits of These Integrations​

World-Check One Integration Benefits:​

  • Real-time Compliance: Instant sanctions screening during transactions
  • Reduced False Positives: Smart matching algorithms reduce manual reviews
  • Regulatory Compliance: Automated documentation for audit trails
  • Global Coverage: Access to 600+ sanctions and PEP lists worldwide

Twilio Integration Benefits:​

  • Immediate Customer Contact: Sub-minute fraud alert delivery
  • Multi-channel Communication: SMS, voice, and programmable chat
  • Two-way Verification: Customer can confirm or deny transactions
  • Cost Effective: Pay-per-use model scales with transaction volume

Integration Best Practices​

Security Considerations:​

  • API Key Management: Store credentials securely, rotate regularly
  • Network Security: Use TLS 1.2+, validate certificates
  • Data Privacy: Encrypt sensitive data, comply with GDPR/CCPA
  • Rate Limiting: Implement proper throttling to avoid service disruption

Performance Optimization:​

  • Caching: Cache frequent API responses (sanctions lists)
  • Async Processing: Use asynchronous calls for non-blocking operations
  • Failover: Implement backup communication channels
  • Monitoring: Track API performance and success rates

These integrations demonstrate how NICE Actimize leverages external web services to enhance fraud detection capabilities while maintaining regulatory compliance and improving customer experience.