Alert · reviewed · held

Transaction Risk Skoor 70 (hold band) on a $835.76 ach transfer: entity.pep_potential, returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.

Detector: skoor_hold
Severity: high
Program: Harbor Marketplace Payouts (simulated)
Subject: transfer acht_sim_harb_2sr2uiyp8zr
Transfer: acht_sim_harb_2sr2uiyp8zr · $835.76 · ach outgoing
Skoor at alert: 70 hold
Hard signal: no
Policy: policy-v1
Opened: 2026-09-17 19:32Z
Closed: —
Decision clock: none · due — no clock
Escalated: —

Draft narrative

What happened. A ach outgoing debit transfer of $835.76 (acht_sim_harb_2sr2uiyp8zr) on program Harbor Marketplace Payouts (simulated) was flagged by detector skoor_hold: Transaction Risk Skoor 70 (hold band) on a $835.76 ach transfer: entity.pep_potential, returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.. What the evidence shows. Transaction Risk Skoor 70 (band hold). Signals: entity.pep_potential (+15), returns.counterparty_prior_unauthorized (+40), returns.entity_rate_gt_threshold (+15). Entity Potential Pep 1: verification VERIFIED, PEP potential, high risk no. What was checked. Program KRIs as of the latest snapshot: frozen_accounts ok, hold_aging_hours watch, overdraft_events watch, 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).

Recommendation

hold

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": 2020,
  "band": "hold",
  "skoor": 70,
  "signals": [
    {
      "code": "entity.pep_potential",
      "detail": "potential PEP match",
      "weight": 15
    },
    {
      "code": "returns.counterparty_prior_unauthorized",
      "detail": "2 prior unauthorized return(s)",
      "weight": 40
    },
    {
      "code": "returns.entity_rate_gt_threshold",
      "detail": "entity unauthorized return rate 1/45 originated ACH debits in 60d",
      "weight": 15
    }
  ],
  "autoHold": true,
  "confidence": 1,
  "routeReason": "detector always reviewed"
}

Skoor signals

Signal	Weight	Detail
entity.pep_potential	+15	potential PEP match
returns.counterparty_prior_unauthorized	+40	3 prior unauthorized return(s)
returns.entity_rate_gt_threshold	+15	entity unauthorized return rate 1/45 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.