A single $9,100.00 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.

What happened. A ach outgoing debit transfer of $9100.00 (acht_sb_33c93fbe7c831401) on program Northwind Payroll (simulated) was flagged by detector amount_just_below_threshold: A single $9,100.00 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.. What the evidence shows. Transaction Risk Skoor 35 (band review). Signals: counterparty.first_time (+10), counterparty.first_time_and_large (+15), amount.gt_3x_median (+10). Entity Sandbox Structurer: 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 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: escalate. A person decides; this draft was assembled from the evidence without a model (model call failed).

{
  "n": 1476,
  "band": "review",
  "skoor": 35,
  "typology": "amount_just_below_threshold",
  "confidence": 0.7,
  "thresholds": {
    "maxCents": "999999",
    "minCents": "900000"
  },
  "amountCents": "910000",
  "routeReason": "detector not auto-closable"
}