Alert · reviewed · open

Transaction Risk Skoor 30 (review band) on a $238.63 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.

Detector: skoor_review
Severity: medium
Program: Harbor Marketplace Payouts (simulated)
Subject: transfer acht_sim_harb_az924d8m8sx
Transfer: acht_sim_harb_az924d8m8sx · $238.63 · ach outgoing
Skoor at alert: 30 review
Hard signal: no
Policy: policy-v1
Opened: 2026-09-17 19:31Z
Closed: —
Decision clock: none · due — no clock
Escalated: —

Draft narrative

What happened. A ach outgoing debit transfer of $238.63 (acht_sim_harb_az924d8m8sx) on program Harbor Marketplace Payouts (simulated) was flagged by detector skoor_review: Transaction Risk Skoor 30 (review band) on a $238.63 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.. What the evidence shows. Transaction Risk Skoor 30 (band review). Signals: returns.counterparty_prior_any (+15), returns.entity_rate_gt_threshold (+15). Entity Larch Studio 111: 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 19:32Z

Rationale

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

Evidence

{
  "n": 1951,
  "band": "review",
  "skoor": 30,
  "signals": [
    {
      "code": "returns.counterparty_prior_any",
      "detail": "2 prior return(s) other than NSF",
      "weight": 15
    },
    {
      "code": "returns.entity_rate_gt_threshold",
      "detail": "entity unauthorized return rate 1/28 originated ACH debits in 60d",
      "weight": 15
    }
  ],
  "confidence": 1,
  "routeReason": "detector not auto-closable"
}

Skoor signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_any	+15		2 prior return(s) other than NSF
returns.entity_rate_gt_threshold	+15		entity unauthorized return rate 1/28 originated ACH debits in 60d

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.