We have a customer that sent a wire one day, the next day asked to have it redirected, which could not be done. She then asked to have the wire recalled and we made her aware that it was possible she would not get her money back. the next day she came back and wanted to send another wire to where she had asked to have the prior wire redirected to. We learned that her parents have also wired money to this international company. the company asked to have the funds redirected due to a liquidation. This screams of fraud. We are not comfortable sending an additional wire. Can a Bank refuse to send wires without any liability.

Yes, you can.

Unfortunately, the customer will find another way to wave goodbye to their money.

Discuss your concerns with them and see if they will give you additional information to research the beneficiary to ensure it is legit. If you ask enough questions in different ways, eventually they will slip up and give you the correct information instead of what the fraudster instructed them to say.

Yes, in the absence of a prior contractual commitment (highly unlikely with a consumer), you can just say no.

Depending on the amount(s) involved, you may have the basis for considering a SAR filing. If her parents are elderly and their transaction(s) went through your bank, you may have another box to check.