Counterparty

Receiver 12

Id: cpty_sim_harb_362c8piz3xi
Program that added it: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Country: —
Routing number: —
Account (last 4): —
First seen: 2026-09-17 19:30Z
Programs paying it: 1
Entities paying it: 17

Counterparty Risk Skoor Report →

Skoor

75n=31

Band

hold

Confidence

0.53

Version

crs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Detail
1	CRS-RET-01 The counterparty has drawn unauthorized returns.	`counterparty.unauthorized_returns`	+40	drew 1 unauthorized return(s)
2	CRS-RET-02 The counterparty's unauthorized return rate is above the network threshold.	`counterparty.unauthorized_rate`	+15	unauthorized rate 1/31 above the network threshold
3	CRS-HIS-02 Three in ten or more of the transfers with this counterparty landed in the review band.	`counterparty.review_share`	+10	39% in the review band

Signals

Signal	Weight	Detail
counterparty.unauthorized_returns	+40	drew 1 unauthorized return(s)
counterparty.unauthorized_rate	+15	unauthorized rate 1/31 above the network threshold
counterparty.review_share	+10	39% in the review band
counterparty.new	+10	first seen 0d ago

Inputs

{
  "n": 31,
  "returns": {
    "any": 1,
    "unauthorized": 1
  },
  "scoredN": 31,
  "holdShare": 0,
  "hardSignal": false,
  "windowDays": 180,
  "countryCode": null,
  "reviewShare": 0.3870967741935484,
  "concentration": 0.0021878041299767228,
  "confidenceDecay": 1,
  "distinctEntities": 17,
  "distinctPrograms": 1,
  "firstSeenAgeDays": 0,
  "observationAgeDays": 1,
  "programsWithReturns": 1
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	75	hold	31	0.53	crs-v1
2026-09-17 19:31Z	65	review	21	0.39	crs-v1
2026-09-17 19:30Z	null	unscored	2	null	crs-v1

Limits at this band

The ladder is policy data: these are the caps for a counterparty in the hold band, and the re-screen cadence. A bank sets its own numbers; these are the defaults.

Per transaction: $0.00
Per day: $0.00
Per month: $0.00
Re-screen every: 7 days

What unlocks the next band

From hold to review: shed 6 points. At review the caps become $10,000.00 per transaction, $50,000.00 per day, $500,000.00 per month.

Signal to clear	Points	Hard	What it means
counterparty.unauthorized_returns	40		The counterparty has drawn unauthorized returns.

Transfers with this counterparty (tenant-wide)

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_harb_6n6292n69g1	ach outgoing CREDIT	$267.42	SETTLED	40	review	2226	2026-09-15 21:21Z
acht_sim_harb_b2t7vo2l8xw	ach outgoing DEBIT	$768.61	SETTLED	40	review	2016	2026-09-09 23:48Z
acht_sim_harb_6ii862qj8yw	ach outgoing DEBIT	$687.97	SETTLED	40	review	2008	2026-09-09 21:20Z
acht_sim_harb_4uqp7nrc8vp	ach outgoing DEBIT	$247.11	SETTLED	40	review	2003	2026-09-09 04:45Z
acht_sim_harb_62tk14mq8vg	ach outgoing CREDIT	$879.21	SETTLED	55	review	1985	2026-09-08 22:16Z
acht_sim_harb_90w3r1nj8tf	ach outgoing CREDIT	$376.50	SETTLED	55	review	1973	2026-09-08 03:53Z
acht_sim_harb_2cenkfm88fo	ach outgoing CREDIT	$386.76	SETTLED	40	review	1760	2026-09-02 20:21Z
acht_sim_harb_8v3q4usj89e	ach outgoing CREDIT	$492.31	SETTLED	40	review	1732	2026-09-01 02:53Z
acht_sim_harb_4bef94707ni	ach outgoing CREDIT	$204.03	SETTLED	40	review	1473	2026-08-24 03:18Z
acht_sim_harb_beaqodb27ky	ach outgoing CREDIT	$253.70	SETTLED	55	review	1455	2026-08-23 05:23Z
rttr_sim_harb_by8csjci7cv	realtime outgoing	$458.68	COMPLETED	40	review	1293	2026-08-19 23:00Z
acht_sim_harb_8vp5kopr6ub	ach outgoing DEBIT	$381.58	SETTLED	15	clear	1126	2026-08-14 00:56Z
acht_sim_harb_29gdzg2f6q6	ach outgoing CREDIT	$344.90	SETTLED	60	review	1086	2026-08-13 00:32Z
acht_sim_harb_1xy56vwx6d1	ach outgoing CREDIT	$337.42	SETTLED	0	clear	950	2026-08-08 05:46Z
acht_sim_harb_2672ouaf687	ach outgoing DEBIT	$606.92	SETTLED	0	clear	868	2026-08-05 23:18Z
acht_sim_harb_5jl7y0gu5xv	ach outgoing CREDIT	$383.96	SETTLED	0	clear	760	2026-08-02 20:45Z
acht_sim_harb_calfj8fi5t2	ach outgoing CREDIT	$261.66	RETURNED	15	clear	699	2026-07-31 20:46Z
acht_sim_harb_2nt6yb975ro	ach outgoing CREDIT	$538.56	SETTLED	0	clear	685	2026-07-31 01:58Z
acht_sim_harb_ac78ahn45o4	ach outgoing CREDIT	$414.70	SETTLED	0	clear	643	2026-07-29 21:43Z
acht_sim_harb_gcv6p4d5mj	ach outgoing DEBIT	$731.66	SETTLED	0	clear	617	2026-07-29 01:02Z
acht_sim_harb_44nuq1xb5lo	ach outgoing DEBIT	$748.48	SETTLED	0	clear	605	2026-07-28 22:49Z
acht_sim_harb_2onjx9bx57u	ach outgoing DEBIT	$813.93	SETTLED	0	clear	436	2026-07-23 20:29Z
acht_sim_harb_awdpcpua4z4	ach outgoing CREDIT	$208.41	SETTLED	0	clear	364	2026-07-21 05:00Z
acht_sim_harb_bwf7cgm84zg	ach outgoing CREDIT	$335.82	SETTLED	0	clear	340	2026-07-20 22:37Z
acht_sim_harb_6oxneix64pw	ach outgoing DEBIT	$220.24	COMPLETED	0	clear	258	2026-07-18 03:02Z
acht_sim_harb_ahvv1aul4pg	ach outgoing CREDIT	$261.49	COMPLETED	0	clear	246	2026-07-17 22:36Z
acht_sim_harb_8nuvlkp24ok	ach outgoing CREDIT	$746.27	COMPLETED	0	clear	237	2026-07-17 20:20Z
acht_sim_harb_7l07bt9d4m1	ach outgoing CREDIT	$368.96	MANUAL_REVIEW	15	clear	214	2026-07-17 04:57Z
acht_sim_harb_5qdes8mn4lt	ach outgoing DEBIT	$357.32	COMPLETED	0	clear	221	2026-07-16 23:00Z
acht_sim_harb_5yproufl4ho	ach outgoing DEBIT	$893.55	COMPLETED	0	clear	167	2026-07-15 01:33Z
acht_sim_harb_3gdpnsnh4g8	ach outgoing DEBIT	$281.03	COMPLETED	10	clear	163	2026-07-15 00:14Z

Alerts on this counterparty

Opened	Detector	Summary	Severity	Skoor	Route	Status
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