Alert · reviewed · open

The entity made 6 transfers on 2026-08-18 and has been silent for 30 days since.

Detector: burst_then_dormant
Severity: medium
Program: Harbor Marketplace Payouts (simulated)
Subject: entity enti_sim_harb_3ijt1t3u3xa
Transfer: —
Skoor at alert: null unscored
Hard signal: no
Policy: policy-v1
Opened: 2026-09-17 19:31Z
Closed: —
Decision clock: none · due — no clock
Escalated: —

Draft narrative

What happened. Detector burst_then_dormant raised an alert on entity enti_sim_harb_3ijt1t3u3xa for program Harbor Marketplace Payouts (simulated): The entity made 6 transfers on 2026-08-18 and has been silent for 30 days since.. What the evidence shows. The transaction was unscored: too little history for a Skoor. Entity Payout Agent (Harbor): verification VERIFIED, PEP no, high risk no. What was checked. Program KRIs as of the latest snapshot: frozen_accounts ok, hold_aging_hours watch, overdraft_events ok, manual_review_rate ok, card_fraud_declines unmeasured, pep_flagged_entities watch, velocity_vs_declared ok, stale_screening_share ok, high_risk_entity_share watch, reserve_coverage_ratio ok, ach_overall_return_rate ok, verification_denial_rate ok, manual_review_aging_hours breach, ach_unauthorized_return_rate breach, sanctioned_country_transfers ok, ach_administrative_return_rate ok, counterparty_concentration_top1 ok. 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 19:31Z

Rationale

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

Evidence

{
  "burstDay": "2026-08-18",
  "typology": "burst_then_dormant",
  "programId": "898ba6ad-5b42-42fd-be7b-2afc9d52af5b",
  "burstCount": 6,
  "silentDays": 30,
  "thresholds": {
    "burstMin": 5,
    "silenceDays": 14
  },
  "routeReason": "detector not auto-closable"
}

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.