People always talk about SWIFT like some fancy technology for international settlement that has all sorts of advanced automated verifications.

I don't think many people realize that SWIFT in practice means that each bank employs ~20 people that run specifically configured Windows in a virtual box that runs an MS-DOS application. The most common flow is that the person prints out all transactions/wires they need to do that day and then manually inputs those to the MS-DOS application (yes, by manually reading and rewriting the printed transaction from another software. This tech is before copypaste was invented). One person does around 60 transactions per day this way. They also make notable % of mistakes and so part of day is spent communicating with other banks on resolving the mistakes. There are differences between countries, e.g. Deutsche Bank makes less mistakes than Spanish banks...

This is SWIFT...

I know this because I was recently debugging issue in this space for a major bank.