<?xml version="1.0" encoding="UTF-8"?>
<!--Generated by Standards Editor (build:R1.6.22) on 2023 Feb 08 14:48:55, ISO 20022 version : 2013-->
<xs:schema xmlns="urn:swift:xsd:semt.001.001.04" xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified" targetNamespace="urn:swift:xsd:semt.001.001.04">
    <xs:element name="Document" type="Document"/>
    <xs:complexType name="AdditionalReference14">
        <xs:sequence>
            <xs:element name="Ref" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="RefIssr" type="PartyIdentification247Choice"/>
            <xs:element maxOccurs="1" minOccurs="0" name="MsgNm" type="Max35Text"/>
            <xs:element name="MsgNb" type="DocumentNumber5Choice"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="AddressType2Code">
        <xs:restriction base="xs:string">
            <xs:enumeration value="ADDR"/>
            <xs:enumeration value="PBOX"/>
            <xs:enumeration value="HOME"/>
            <xs:enumeration value="BIZZ"/>
            <xs:enumeration value="MLTO"/>
            <xs:enumeration value="DLVY"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="AnyBICDec2014Identifier">
        <xs:restriction base="xs:string">
            <xs:pattern value="[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9]{3,3}){0,1}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="CountryCode">
        <xs:restriction base="xs:string">
            <xs:pattern value="[A-Z]{2,2}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="Document">
        <xs:sequence>
            <xs:element name="SctiesMsgRjctn" type="SecuritiesMessageRejectionV04"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="DocumentNumber5Choice">
        <xs:choice>
            <xs:element name="ShrtNb" type="Exact3NumericText"/>
            <xs:element name="LngNb" type="ISO20022MessageIdentificationText"/>
            <xs:element name="PrtryNb" type="GenericIdentification36"/>
        </xs:choice>
    </xs:complexType>
    <xs:simpleType name="Exact3NumericText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[0-9]{3}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="GenericIdentification36">
        <xs:sequence>
            <xs:element name="Id" type="Max35Text"/>
            <xs:element name="Issr" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="SchmeNm" type="Max35Text"/>
        </xs:sequence>
    </xs:complexType>
    <xs:simpleType name="ISO20022MessageIdentificationText">
        <xs:restriction base="xs:string">
            <xs:pattern value="[a-z]{4}\.[0-9]{3}\.[0-9]{3}\.[0-9]{2}"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="LinkedMessage6Choice">
        <xs:choice>
            <xs:element name="PrvsRef" type="AdditionalReference14"/>
            <xs:element name="OthrRef" type="AdditionalReference14"/>
            <xs:element name="RltdRef" type="AdditionalReference14"/>
        </xs:choice>
    </xs:complexType>
    <xs:simpleType name="Max16Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="16"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max350Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="350"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max35Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="35"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="Max70Text">
        <xs:restriction base="xs:string">
            <xs:minLength value="1"/>
            <xs:maxLength value="70"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:simpleType name="MessageRejectedReason2Code">
        <xs:restriction base="xs:string">
            <xs:enumeration value="NALO"/>
            <xs:enumeration value="REFE"/>
        </xs:restriction>
    </xs:simpleType>
    <xs:complexType name="NameAndAddress5">
        <xs:sequence>
            <xs:element name="Nm" type="Max350Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="Adr" type="PostalAddress1"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="PartyIdentification247Choice">
        <xs:choice>
            <xs:element name="AnyBIC" type="AnyBICDec2014Identifier"/>
            <xs:element name="PrtryId" type="GenericIdentification36"/>
            <xs:element name="NmAndAdr" type="NameAndAddress5"/>
        </xs:choice>
    </xs:complexType>
    <xs:complexType name="PostalAddress1">
        <xs:sequence>
            <xs:element maxOccurs="1" minOccurs="0" name="AdrTp" type="AddressType2Code"/>
            <xs:element maxOccurs="5" minOccurs="0" name="AdrLine" type="Max70Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="StrtNm" type="Max70Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="BldgNb" type="Max16Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="PstCd" type="Max16Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="TwnNm" type="Max35Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="CtrySubDvsn" type="Max35Text"/>
            <xs:element name="Ctry" type="CountryCode"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="RejectionReason69">
        <xs:sequence>
            <xs:element name="Rsn" type="MessageRejectedReason2Code"/>
            <xs:element maxOccurs="1" minOccurs="0" name="AddtlInf" type="Max350Text"/>
            <xs:element maxOccurs="1" minOccurs="0" name="LkdMsg" type="LinkedMessage6Choice"/>
        </xs:sequence>
    </xs:complexType>
    <xs:complexType name="SecuritiesMessageRejectionV04">
        <xs:sequence>
            <xs:element name="RltdRef" type="AdditionalReference14"/>
            <xs:element name="Rsn" type="RejectionReason69"/>
        </xs:sequence>
    </xs:complexType>
</xs:schema>
