The entity made 3 ACH debits just under $10,000 within 24 hours.

What happened. A ach outgoing debit transfer of $9151.01 (acht_sim_harb_89wj4vha9jx) on program Harbor Marketplace Payouts (simulated) was flagged by detector structuring_pattern: The entity made 3 ACH debits just under $10,000 within 24 hours.. What the evidence shows. Transaction Risk Skoor 55 (band hold). Signals: amount.gt_10x_median (+20), structuring.pattern (+35, hard). Entity Harbor Marketplace Payouts: 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: hold. A person decides; this draft was assembled from the evidence without a model (model call failed).

{
  "n": 1915,
  "band": "hold",
  "skoor": 55,
  "signals": [
    {
      "code": "structuring.pattern",
      "hard": true,
      "detail": "2 debits just under $10,000 in 24h",
      "weight": 35
    }
  ],
  "autoHold": true,
  "routeReason": "hard signal"
}