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Open Held Overdue Escalated Auto-closed Closed All · Any route Reviewed Automated

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-18 00:18Z	manual_review_aging	8 transfer(s) have sat in manual review for up to 1438 hours.	medium	null unscored	reviewed	open	due 2026-09-25 00:18Z
2026-09-18 00:18Z	manual_review_aging	3 transfer(s) have sat in manual review for up to 1152 hours.	medium	null unscored	reviewed	open	due 2026-09-25 00:18Z
2026-09-18 00:17Z	reserve_coverage	The program reserve covers 47% of rolling 60-day ACH debit volume; the bank requires 100%.	high	null unscored	reviewed	open	due 2026-09-25 00:17Z
2026-09-18 00:17Z	return_rate_breach	The program's ach unauthorized return rate is 1.14% over 440 originated debits, above the 0.5% network threshold.	high	null unscored	reviewed	open	due 2026-09-25 00:17Z
2026-09-18 00:16Z	overdraft_or_frozen	1 overdraft event(s) and 0 frozen account(s) on the program in the window.	medium	null unscored	reviewed	open	due 2026-09-25 00:16Z
2026-09-18 00:15Z	manual_review_aging	17 transfer(s) have sat in manual review for up to 1387 hours.	medium	null unscored	reviewed	open	due 2026-09-25 00:15Z
2026-09-18 00:15Z	return_rate_breach	The program's ach unauthorized return rate is 0.79% over 883 originated debits, above the 0.5% network threshold.	high	null unscored	reviewed	open	due 2026-09-25 00:15Z
2026-09-18 00:14Z	manual_review_aging	13 transfer(s) have sat in manual review for up to 1439 hours.	medium	null unscored	reviewed	open	due 2026-09-25 00:14Z
2026-09-17 23:15Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,700.00 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held	due 2026-09-18 23:15Z
2026-09-17 23:15Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,500.00 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held	due 2026-09-18 23:15Z
2026-09-17 23:14Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	high	45 hold	reviewed	held	due 2026-09-18 23:14Z
2026-09-17 23:13Z	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.	low	35 review	reviewed	open	due 2026-09-20 23:13Z
2026-09-17 23:13Z	first_time_counterparty_large	First transfer to a new counterparty, $9,100.00, above the program's 95th percentile.	medium	35 review	reviewed	open	due 2026-09-20 23:13Z
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 55 (hold band) on a $2,192.52 ach transfer: counterparty.first_time, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	high	55 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,234.82 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held	no clock
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $1,775.45, above the program median, came 0.0 hours after verification.	medium	null unscored	reviewed	open	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 100 (hold band) on a $2,400.00 ach transfer: entity.denied, entity.high_risk, returns.counterparty_prior_unauthorized.	high	100 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,272.04 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 55 (hold band) on a $9,151.01 ach transfer: amount.gt_10x_median, structuring.pattern.	high	55 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 90 (hold band) on a $2,400.00 ach transfer: entity.denied, entity.high_risk, amount.gt_3x_median.	high	90 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 75 (hold band) on a $1,112.62 ach transfer: returns.counterparty_prior_unauthorized, structuring.pattern.	high	75 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,401.23 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $434.00 ach transfer: velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	high	45 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 65 (hold band) on a $9,714.50 ach transfer: amount.gt_10x_median, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	high	65 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 55 (hold band) on a $9,526.72 ach transfer: amount.gt_10x_median, structuring.pattern.	high	55 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 35 (hold band) on a $2,061.20 ach transfer: structuring.pattern.	high	35 hold	reviewed	held	no clock
2026-09-17 19:32Z	counterparty_hold	Counterparty Receiver 37 entered the hold band (Skoor 100, n=20): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.hold_share, counterparty.review_share, counterparty.new.	high	100 hold	reviewed	held	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	100 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $829.07 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $750.43 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,853.28 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $299.73 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,795.21 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $268.93 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	35 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $336.92 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $670.63 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $536.68 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	45 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $585.48 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,379.36 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $536.03 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $607.71 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $775.69 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $358.09 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open	no clock
2026-09-17 19:32Z	counterparty_hold	Counterparty Receiver 61 entered the hold band (Skoor 90, n=9): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.review_share, counterparty.new.	high	90 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $625.27 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $267.42 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $283.14 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	60 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,420.51 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $412.16 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $575.40 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $381.94 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $696.89 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $926.03 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	counterparty_hold	Counterparty Receiver 12 entered the hold band (Skoor 75, n=31): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.review_share, counterparty.new.	high	75 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $300.37 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $530.17 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,576.58 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $541.28 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $3,028.64, above the program median, came 0.0 hours after verification.	medium	15 clear	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $471.54 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	30 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $293.34 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	25 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $857.99 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $507.36 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $196.82 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,493.37 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $473.80 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $602.07 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $232.04 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $2,457.13 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	counterparty_hold	Counterparty Receiver 3 entered the hold band (Skoor 80, n=36): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.new.	high	80 hold	reviewed	held	no clock
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $2,400.00, above the program median, came 0.0 hours after verification.	medium	60 hold	reviewed	held	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $830.73 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 70 (hold band) on a $265.08 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold, geo.outside_declared_countries.	high	70 hold	reviewed	held	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	25 clear	reviewed	open	no clock
2026-09-17 19:32Z	first_time_counterparty_large	First transfer to a new counterparty, $4,103.93, above the program's 95th percentile.	medium	25 clear	reviewed	open	no clock
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $2,634.94, above the program median, came 0.0 hours after verification.	medium	0 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $2,301.81 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $3,758.30 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,471.50 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	velocity_spike	Entity velocity spiked: 6 transfers and $3,817.26 in 24 hours.	medium	25 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $192.72 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $3,063.16 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	velocity_spike	Entity velocity spiked: 8 transfers and $14,303.27 in 24 hours.	medium	10 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,976.26 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,170.94 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,653.85 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $454.84 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $374.78 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $721.96 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	35 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $707.38 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,317.78 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $574.43 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,706.86 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	entity_hold	Entity High Risk Trading 1 entered the hold band (Skoor 75, n=38): entity.high_risk, entity.unauthorized_returns, entity.return_rate, entity.velocity.	high	75 hold	reviewed	held	no clock
2026-09-17 19:32Z	velocity_spike	Entity velocity spiked: 5 transfers and $39,986.61 in 24 hours.	medium	55 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $445.29 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $341.32 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	structuring_pattern	The entity made 4 ACH debits just under $10,000 within 24 hours.	high	45 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $350.51 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $2,943.37, above the program median, came 0.0 hours after verification.	medium	null unscored	reviewed	open	no clock
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,434.53 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $745.98 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $279.87 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open	no clock
2026-09-17 19:32Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	high	35 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $870.15 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,033.81 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $602.44 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $620.59 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $878.44 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open	no clock
2026-09-17 19:32Z	agent_out_of_scope	Agent Payout Agent (Harbor) moved money on rails outside its declared scope (ach, realtime vs ach).	high	50 review	reviewed	open	no clock
2026-09-17 19:32Z	amount_just_below_threshold	A single $9,338.74 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	low	45 review	reviewed	open	no clock
2026-09-17 19:32Z	velocity_spike	Entity velocity spiked: 1 transfers and $299.89 in 24 hours.	medium	null unscored	reviewed	open	no clock
2026-09-17 19:32Z	counterparty_hold	Counterparty Receiver 1 entered the hold band (Skoor 75, n=146): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.review_share, counterparty.new.	high	75 hold	reviewed	held	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $3,843.18, above the program median, came 0.0 hours after verification.	medium	0 clear	reviewed	open	no clock
2026-09-17 19:32Z	velocity_spike	Entity velocity spiked: 2 transfers and $3,952.20 in 24 hours.	medium	10 clear	reviewed	open	no clock
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $2,404.22, above the program median, came 0.0 hours after verification.	medium	0 clear	reviewed	open	no clock
2026-09-17 19:32Z	amount_just_below_threshold	A single $9,841.85 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	low	10 clear	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $3,856.80 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open	no clock
2026-09-17 19:32Z	first_time_counterparty_large	First transfer to a new counterparty, $1,337.78, above the program's 95th percentile.	medium	25 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $215.53 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $391.93 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	25 clear	reviewed	open	no clock
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $2,349.46, above the program median, came 0.0 hours after verification.	medium	0 clear	reviewed	open	no clock
2026-09-17 19:32Z	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.	high	70 hold	reviewed	held	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $765.93 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $488.15 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $542.94 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $591.05 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	denied_entity_activity	A $2,400.00 ach transfer was initiated for an entity whose verification was denied.	high	100 hold	reviewed	held	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $202.24 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,946.27 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $844.13 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $338.80 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open	no clock
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $811.77 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	null unscored	reviewed	open	no clock
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $2,165.13, above the program median, came 0.0 hours after verification.	medium	null unscored	reviewed	open	no clock
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	45 review	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $768.61 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $580.97 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	rapid_onboarding	The entity's first transfer, $903.62, above the program median, came 0.0 hours after verification.	medium	0 clear	reviewed	open	no clock
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 1 transfers and $1,790.97 in 24 hours.	medium	null unscored	reviewed	open	no clock
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 3 transfers and $2,039.21 in 24 hours.	medium	10 clear	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $876.21 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $3,330.17 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $481.44 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $687.97 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	first_time_counterparty_large	First transfer to a new counterparty, $3,974.77, above the program's 95th percentile.	medium	25 clear	reviewed	open	no clock
2026-09-17 19:31Z	overdraft_or_frozen	1 overdraft event(s) and 0 frozen account(s) on the program in the window.	medium	null unscored	reviewed	open	no clock
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open	no clock
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $247.11 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $240.94 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	40 review	reviewed	open	no clock
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $441.60 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $659.82 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,591.44 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	25 clear	reviewed	open	no clock
2026-09-17 19:31Z	counterparty_hold	Counterparty Receiver 37 entered the hold band (Skoor 90, n=6): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.review_share, counterparty.new.	high	90 hold	reviewed	held	no clock
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 6 transfers and $2,767.27 in 24 hours.	medium	25 clear	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,325.04 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $879.21 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 6 transfers and $3,018.30 in 24 hours.	medium	40 review	reviewed	open	no clock
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $238.63 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open	no clock