Create a Custom Resolver to resolve from class path 
set that to Transfromer 
to test i had a jar file set in classpath in eclipse project 
all code is here below
----- run example -------------
`
public class RunTransform {
    public static void main(String[] args) {
        //  SimpleTransform.transform("xsl/SentAdapter.xsl", "C:/Amin/AllWorkspaces/ProtoTypes/XsltDemo/xml/acc.xml");
        SimpleTransform.transform("xslt/ibanvalidation/accuity-ibanvalidationresponse.xsl", "C:/Amin/AllWorkspaces/ProtoTypes/XsltDemo/xml/acc.xml");
    }
}
-----------Sample transfomring example ----------------
package com;
import java.io.File;
import java.io.FileOutputStream;
import javax.xml.transform.Templates;
import javax.xml.transform.Transformer;
import javax.xml.transform.TransformerFactory;
import javax.xml.transform.URIResolver;
import javax.xml.transform.stream.StreamResult;
import javax.xml.transform.stream.StreamSource;
public class SimpleTransform {
    public static void transform(String xslName,String xmlName) {
        try {  
            ResourceResolver resloader = new ResourceResolver();
              TransformerFactory tFactory = TransformerFactory.newInstance();
              tFactory.setURIResolver(resloader);
              StreamSource xsltSRC = new StreamSource(resloader.resolve(xslName));
              Transformer transformer = tFactory.newTransformer(xsltSRC);
              StreamSource xmlSSRC = new StreamSource(xmlName);
              System.out.println("Streamm sources created .....");
              System.out.println("XSLT SET ....");
              transformer.transform(xmlSSRC, new StreamResult(new FileOutputStream(new File("C:/Amin/AllWorkspaces/ProtoTypes/XsltDemo/xml/result.xml"))));
              System.out.println("Finished transofrmation ..........");
              System.out.println("************* The result is out in respoinse *************");
             } catch (Throwable t) {
                      t.printStackTrace();
             }
    }
}
`
-----------Code for Custom resolver --------------- 
`
package com;
import javax.xml.transform.URIResolver;
import javax.xml.transform.Source;
import javax.xml.transform.TransformerException;
import javax.xml.transform.stream.StreamSource;
import java.io.InputStream;
import java.net.URL;
import java.util.Enumeration;
import java.util.Iterator;
public class ResourceResolver implements URIResolver {
    /* (non-Javadoc)
     * @see javax.xml.transform.URIResolver#resolve(java.lang.String, java.lang.String)
     */
    public Source resolve(String href, String base) throws TransformerException {
        try {
            InputStream is = ClassLoader.getSystemResourceAsStream(href);
            return new StreamSource(is, href);
        } // try
        catch (Exception ex) {
            throw new TransformerException(ex);
        } // catch
    } // resolve
    /**
     * @param href
     * @return
     * @throws TransformerException
     */
    public InputStream resolve(String href) throws TransformerException {
        try {
            InputStream is = ClassLoader.getSystemResourceAsStream(href);
            return is;
        } // try
        catch (Exception ex) {
            throw new TransformerException(ex);
        } // catch
    }
} // ResourceResolver
`