Alert · reviewed · held

Transaction Risk Skoor 45 (hold band) on a $9,868.16 ach transfer: amount.gt_3x_median, structuring.pattern.

Detector: skoor_hold
Severity: high
Program: Northwind Payroll (simulated)
Subject: transfer acht_sim_nort_6ctjvcvh3rx
Transfer: acht_sim_nort_6ctjvcvh3rx · $9,868.16 · ach outgoing
Skoor at alert: 45 hold
Hard signal: yes
Policy: policy-v1
Opened: 2026-09-17 19:30Z
Closed: —
Decision clock: none · due — no clock
Escalated: —

Draft narrative

What happened. A ach outgoing debit transfer of $9868.16 (acht_sim_nort_6ctjvcvh3rx) on program Northwind Payroll (simulated) was flagged by detector skoor_hold: Transaction Risk Skoor 45 (hold band) on a $9,868.16 ach transfer: amount.gt_3x_median, structuring.pattern.. What the evidence shows. Transaction Risk Skoor 45 (band hold). Signals: amount.gt_3x_median (+10), structuring.pattern (+35, hard). Entity Northwind Payroll: verification VERIFIED, PEP no, high risk no. What was checked. Program KRIs as of the latest snapshot: frozen_accounts ok, hold_aging_hours unmeasured, overdraft_events ok, manual_review_rate ok, card_fraud_declines unmeasured, pep_flagged_entities watch, velocity_vs_declared unmeasured, 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 ok, 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 output did not match the schema).

Recommendation

hold

Confidence

null (template, no model)

Model

none (template)

Drafted

2026-09-17 19:30Z

Rationale

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

Evidence

{
  "n": 390,
  "band": "hold",
  "skoor": 45,
  "signals": [
    {
      "code": "amount.gt_3x_median",
      "detail": "amount > 3× program median (185016)",
      "weight": 10
    },
    {
      "code": "structuring.pattern",
      "hard": true,
      "detail": "2 debits just under $10,000 in 24h",
      "weight": 35
    }
  ],
  "autoHold": true,
  "confidence": 0.79,
  "routeReason": "hard signal"
}

Skoor signals

Signal	Weight	Hard	Detail
amount.gt_3x_median	+10		amount > 3× program median (185059)
structuring.pattern	+35	yes	2 debits just under $10,000 in 24h

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.