Alert · reviewed · open

Activity on an entity flagged by screening (PEP status no, high risk).

Detector: sanctions_or_pep
Severity: high
Program: Northwind Payroll (simulated)
Subject: entity enti_sim_nort_91eod4q93y
Transfer: acht_sim_nort_8tm41mj86m · $1,097.82 · ach outgoing
Skoor at alert: null unscored
Hard signal: no
Policy: policy-v1
Opened: 2026-09-17 19:30Z
Closed: —
Decision clock: none · due — no clock
Escalated: —

Draft narrative

What happened. A ach outgoing credit transfer of $1097.82 (acht_sim_nort_8tm41mj86m) on program Northwind Payroll (simulated) was flagged by detector sanctions_or_pep: Activity on an entity flagged by screening (PEP status no, high risk).. What the evidence shows. The transaction was unscored: too little history for a Skoor. Signals: entity.high_risk (+20), counterparty.first_time (+10). Entity High Risk Trading 0: verification VERIFIED, PEP no, high risk yes. What was checked. No program KRI snapshot was available. No prior dispositions on this entity or counterparty. What is recommended. Recommended: escalate. A person decides; this draft was assembled from the evidence without a model (model call failed).

Recommendation

escalate

Confidence

null (template, no model)

Model

none (template)

Drafted

2026-09-17 19:30Z

Rationale

Template draft: recommendation follows the band and the hard-signal rule only.

Evidence

{
  "n": 15,
  "band": "unscored",
  "skoor": null,
  "signals": [
    {
      "code": "entity.high_risk",
      "detail": "entity marked high risk by screening",
      "weight": 20
    }
  ],
  "routeReason": "detector always reviewed"
}

Skoor signals

Signal	Weight	Hard	Detail
entity.high_risk	+20		entity marked high risk by screening
counterparty.first_time	+10		first transfer with this counterparty

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.