Entity velocity spiked: 2 transfers and $1,074.77 in 24 hours.

What happened. A velocity_spike alert was raised for entity enti_sim_harb_ax0fq0ns3w8 ("Fern Studio 117") after the system detected 2 transfers totaling $1,074.77 within a 24-hour window, exceeding twice the program's daily average. What the evidence shows. The only transfer detail provided is acht_sim_harb_b32k8rnx407, an outgoing ACH debit of $351.45 USD that has already settled, with no return code. This transfer carries two signals: velocity.sum_24h_gt_2x_daily_avg (weight 10) and counterparty.first_time (weight 10), indicating the counterparty had not transacted with this entity before. The transfer and entity are both unscored (skoor null, n=0, band unscored), meaning there is insufficient scoring history to place either on a risk band. The entity is a verified PERSON, not flagged high risk, not PEP, with no review reasons and a screening date of 2026-06-26. The program (Harbor Marketplace Payouts) declares a monthly volume of $4,000,000.00; the $1,074.77 in flagged activity is a small fraction of that declared volume. There are no prior dispositions on this entity. What was checked. Reviewed the alert evidence, the single settled transfer tied to the velocity signal, the program's declared volume and rails, the entity's verification and risk status, and prior disposition history. No additional transfers beyond the one listed were provided, and no counterparty risk data (country unknown) was available beyond the first-time flag. What is recommended. Given the entity is verified, not high risk, not PEP, the transfer has already settled with no return code, the flagged dollar amount is small relative to declared program volume, and there is no prior disposition history suggesting a pattern, this alert does not show evidence requiring a person to intervene before funds move (funds have already moved and settled). Close the alert. Note that scoring is unscored (n=0) and only one transfer was provided in evidence, so confidence is limited by the thinness of the record; a person should still spot-check if additional undisclosed transfers exist.

{
  "n": 0,
  "band": "unscored",
  "skoor": null,
  "signals": [
    {
      "code": "velocity.sum_24h_gt_2x_daily_avg",
      "detail": "24h sum above 2× the program daily average",
      "weight": 10
    }
  ],
  "routeReason": "detector not auto-closable"
}