Alert · reviewed · held

Counterparty Overseas Beneficiary entered the hold band (Skoor 85, n=1): counterparty.sanctioned_country, counterparty.hold_share, counterparty.new.

Detector: counterparty_hold
Severity: high
Program: Meridian Remit (simulated)
Subject: counterparty cpty_sim_meri_arf75ljdcfb
Transfer: —
Skoor at alert: 85 hold
Hard signal: yes
Policy: policy-v1
Opened: 2026-09-17 19:31Z
Closed: —
Decision clock: none · due — no clock
Escalated: —

Draft narrative

What happened. Detector counterparty_hold raised an alert on counterparty cpty_sim_meri_arf75ljdcfb for program Meridian Remit (simulated): Counterparty Overseas Beneficiary entered the hold band (Skoor 85, n=1): counterparty.sanctioned_country, counterparty.hold_share, counterparty.new.. What the evidence shows. Transaction Risk Skoor 85 (band hold). 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 ok, reserve_coverage_ratio breach, 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": 1,
  "band": "hold",
  "skoor": 85,
  "signals": [
    {
      "code": "counterparty.sanctioned_country",
      "hard": true,
      "detail": "country RU is sanctioned",
      "weight": 50
    },
    {
      "code": "counterparty.hold_share",
      "detail": "100% of scored transfers in the hold band",
      "weight": 25
    },
    {
      "code": "counterparty.new",
      "detail": "first seen 0d ago",
      "weight": 10
    }
  ],
  "version": "crs-v1",
  "autoHold": true,
  "confidence": 0.114,
  "routeReason": "hard signal"
}

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.