First transfer to a new counterparty, $2,357.31, above the program's 95th percentile.

What happened. An outbound ACH transfer of $2,357.31 from entity Grove Co 36 to a new counterparty (cpty_sim_lant_7n7vcvi5cjp) triggered a first-time-counterparty-large alert because the amount exceeds the program's 95th percentile threshold of $1,734.75. What the evidence shows. The transfer is the first with this counterparty (n=1) and is unscored (band unscored, skoor null). Two signals fired: counterparty.first_time (+10) and counterparty.first_time_and_large (+15), both consistent with the detector's stated logic. The transfer status is SETTLED with no return code, indicating the funds have already moved and no rail-level failure occurred. The subject entity, Grove Co 36, is VERIFIED, not flagged high risk, not PEP, has no review reasons, and was last screened 2026-06-28. The counterparty's country is unknown, but no other adverse data is present. There are no prior dispositions on this entity or counterparty. What was checked. Alert evidence and signal weights, transfer record (status, amount, rails, return code), program declared volume and threshold context, entity verification and screening status, and prior disposition history. No hard signal was present (hard_signal: false), and the alert was routed to review per the detector's standing rule ("detector always reviewed"), not due to any elevated risk score. What is recommended. Close the alert. The transfer has already settled, so no funds are pending and a hold or release action does not apply. The entity is verified with no high-risk or PEP flags, screening is current, and no prior alerts exist on this counterparty or entity. The alert reflects a routine first-time/large-amount pattern that the detector reviews by default, not an indication of elevated risk requiring further action. If a similar pattern recurs with this counterparty or entity, escalation would be warranted at that point.

{
  "n": 1,
  "band": "unscored",
  "skoor": null,
  "signals": [
    {
      "code": "counterparty.first_time",
      "detail": "first transfer with this counterparty",
      "weight": 10
    },
    {
      "code": "counterparty.first_time_and_large",
      "detail": "amount above the program p95 (173475)",
      "weight": 15
    }
  ],
  "routeReason": "detector always reviewed"
}