Wire transfer - compliance issues
I bank with Royal Bank Canada, Toronto. For a condo closing deal, I had to get some money wired from my father from India to my bank account in Canada. The amount required was 30000 CAD. This is equivalent to around 1500000 INR. He had around 400000 INR in his account. I had around 550000 INR in my Indian account, which I transferred to his account. My friend and some of our relatives transferred the rest of the money to his account and a total of 1520000 converted to CAD 30000 was sent to my royal Bank account Canada. My father received a confirmation from SBI Kolkata (foreign department SBI), with all the details (date, transaction references, amount, beneficiary bank details and every possible information) and the money was sent on the 26th of December 2017. The money never reached Royal Bank, though the money was deducted from my dad's account. On the 2nd of January, SBI, India received a message from the intermediary bank (which was the Bank of Montreal), that the transaction was declined for compliance reasons. the money got credited back to my Dad's account. I cannot close this deal without this money reaching my Canadian bank account. I already had informed Royal Bank that I was expecting a wire transfer and they were checking everyday to see this transfer coming in. However, this transaction never reached Royal Bank. They did the best possible investigation - they called the wire department, global payment desk and every escalation channels only to find out that there was no transaction that they received or they declined. I even went to the intermediary bank - Bank of Montreal, however they were not of much help, and they couldn't get me any information regarding this transaction. I went back to state Bank of India and they were not able to help me either. They are very sure that they sent the money, and they in fact gave me a document confirming that the money was sent from the Kolkata branch. Royal Bank and state bank of India again and again verified all the information (bank details, swift code, personal information etc.) and confirmed that all the details are correct. I am really in a very bad spot right now, because I am not able to close my deal without this money and the lender would not agree any other source other than this gift transfer from my father. Is there a possibility that this has to do something with AML compliances? If that's the case, why is it that it never reached RBC Canada? I have a pretty good banking history. Even if it is an AML compliance issue, I am wondering as to which level the rejection happened? It doesn't look like RBC rejected the transaction. And SBI confirms that they sent the money. Is it possible that the issue was at the source bank? Is it possible for an intermediary to go back to the source bank to check where the funds arrived from? However, in this case the intermediary is a bank outside of India. Please help me with this. I am really in a very bad situation by not being able to close my purchase. Thanks in advance.