Alert · reviewed · open

Activity on an entity flagged by screening (PEP status potential).

Detector: sanctions_or_pep
Severity: high
Program: Meridian Remit (simulated)
Subject: entity enti_sim_meri_28dfpclz9pj
Transfer: acht_sim_meri_ihotcewa3h · $778.70 · ach outgoing
Skoor at alert: 15 clear
Hard signal: no
Policy: policy-v1
Opened: 2026-09-17 19:30Z
Closed: —
Decision clock: none · due — no clock
Escalated: —

Draft narrative

What happened. An alert fired on entity enti_sim_meri_28dfpclz9pj, a verified individual named "Potential Pep 2," flagged by screening for potential PEP status. The alert is tied to a single settled outgoing ACH debit of $778.70 dated 2026-07-17, associated with the entity. What the evidence shows. The transfer-level skoor is 15, band clear, with the only contributing signal being entity.pep_potential (+15). Hard signal is false. The entity is VERIFIED, high_risk is false, review reasons are none, and last screened 2026-06-25, which is recent. The transfer settled with no return code, indicating no processing issue. Program-level KRI pep_flagged_entities is 1 out of 30 (watch status), and stale_screening_share, high_risk_entity_share, and verification_denial_rate are all at ok levels (0.033). No prior dispositions exist for this entity. What was checked. Alert evidence, transfer detail and its skoor/signals, entity screening status and verification, and program-level KRIs. The transfer is settled, not held, so no funds are currently pending action. No sanctioned-country or unauthorized-return signals are present, and counterparty country is unknown but no additional risk signal is attached to that fact in the evidence. What is recommended. Close the alert. The evidence shows a single, low-weight PEP-potential signal on a verified entity with no other risk indicators, a clear-band skoor, no hard signal, and a settled transfer with no return issues. The program-level PEP KRI is at watch (1/30) but this alone does not indicate a pattern requiring escalation beyond the single alert. No funds are pending, so hold/release do not apply.

Recommendation

Confidence

0.62

Model

claude-sonnet-5

Drafted

2026-09-17 19:30Z

Rationale

Transfer skoor is 15, band clear, hard_signal false, single signal entity.pep_potential at weight 15
Entity is VERIFIED, high_risk false, review reasons none, last screened recently (2026-06-25)
Transfer status is SETTLED with return code none, so no funds are currently held or at risk
Program KRIs show pep_flagged_entities at watch (1/30) but other related KRIs (stale_screening_share, high_risk_entity_share, verification_denial_rate) are ok, not indicating a broader pattern
No prior dispositions exist to suggest recurring concern for this entity
Counterparty country is listed as unknown, which is a gap in the evidence but not accompanied by any signal weight or flag in the record

Evidence

{
  "n": 116,
  "band": "clear",
  "skoor": 15,
  "signals": [
    {
      "code": "entity.pep_potential",
      "detail": "potential PEP match",
      "weight": 15
    }
  ],
  "routeReason": "detector always reviewed"
}

Skoor signals

Signal	Weight	Hard	Detail
entity.pep_potential	+15		potential PEP match

Decision

Dispositions

No disposition yet.

Actions

Freeze, request to program, and suspend need a second, distinct approver. Clear hold, cancel, and pause execute on the requester's approval. Executed through the bank's own API with the tenant's sandbox key; a dry run when there is none.

No actions requested.