SKOOR Risk Money movement. Skoored by AI.

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Counterparty · agent

Settlement Agent (Harbor vendor) agent

Id: cpty_sim_harb_bmqeuc7o3xi
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: 28
Operator entity: enti_sim_harb_kytao1m3ti
Declared purpose: marketplace settlement
Declared scope: ach, realtime

Counterparty Risk Skoor Report →

Skoor

65n=166

Band

review

Confidence

0.80

Version

crs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	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 1/166 above the network threshold
3	CRS-NEW-01 The counterparty was first seen less than a week ago.	`counterparty.new`	+10		first seen 0d ago

Signals

Signal	Weight	Hard	Detail
counterparty.unauthorized_returns	+40		drew 1 unauthorized return(s)
counterparty.unauthorized_rate	+15		unauthorized rate 1/166 above the network threshold
counterparty.new	+10		first seen 0d ago

Inputs

{
  "n": 166,
  "returns": {
    "any": 2,
    "unauthorized": 1
  },
  "scoredN": 162,
  "holdShare": 0,
  "hardSignal": false,
  "windowDays": 180,
  "countryCode": null,
  "reviewShare": 0.20987654320987653,
  "concentration": 0.011530810832706673,
  "confidenceDecay": 1,
  "distinctEntities": 28,
  "distinctPrograms": 1,
  "firstSeenAgeDays": 0,
  "observationAgeDays": 4,
  "programsWithReturns": 1
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	65	review	166	0.80	crs-v1
2026-09-17 19:31Z	10	clear	98	0.79	crs-v1
2026-09-17 19:30Z	10	clear	3	0.11	crs-v1

Limits at this band

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

Per transaction: $10,000.00
Per day: $50,000.00
Per month: $500,000.00
Re-screen every: 30 days

What unlocks the next band

From review to clear: shed 36 points. At clear the caps become $100,000.00 per transaction, $500,000.00 per day, $10,000,000.00 per month.

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

Agent Risk Skoor Report →

Skoor

65n=166

Band

review

Confidence

0.80

Version

ars-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	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 1/166 above the network threshold
3	CRS-NEW-01 The counterparty was first seen less than a week ago.	`counterparty.new`	+10		first seen 0d ago

Signals

Signal	Weight	Hard	Detail
counterparty.unauthorized_returns	+40		drew 1 unauthorized return(s)
counterparty.unauthorized_rate	+15		unauthorized rate 1/166 above the network threshold
counterparty.new	+10		first seen 0d ago

Inputs

{
  "n": 166,
  "base": "crs-v1",
  "scope": [
    "ach",
    "realtime"
  ],
  "purpose": "marketplace settlement",
  "returns": {
    "any": 2,
    "unauthorized": 1
  },
  "scoredN": 162,
  "holdShare": 0,
  "railsUsed": [
    "ach"
  ],
  "hardSignal": false,
  "windowDays": 180,
  "countryCode": null,
  "reviewShare": 0.20987654320987653,
  "concentration": 0.011530810832706673,
  "confidenceDecay": 1,
  "distinctEntities": 28,
  "distinctPrograms": 1,
  "firstSeenAgeDays": 0,
  "operatorEntityId": "enti_sim_harb_kytao1m3ti",
  "observationAgeDays": 4,
  "programsWithReturns": 1
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	65	review	166	0.80	ars-v1
2026-09-17 19:31Z	10	clear	98	0.79	ars-v1
2026-09-17 19:30Z	10	clear	3	0.11	ars-v1

Transfers with this counterparty (tenant-wide)

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_harb_t35fm7i9hr	ach outgoing DEBIT	$319.55	SUBMITTED	55	review	2249	2026-09-17 03:22Z
acht_sim_harb_co4o3th09jh	ach outgoing DEBIT	$378.49	SUBMITTED	40	review	2249	2026-09-17 03:17Z
acht_sim_harb_4keh46gs9hv	ach outgoing DEBIT	$468.47	SUBMITTED	40	review	2230	2026-09-16 20:25Z
acht_sim_harb_8nspqxza9hm	ach outgoing CREDIT	$536.68	SETTLED	40	review	2242	2026-09-16 02:05Z
acht_sim_harb_c1ljzcc29cj	ach outgoing DEBIT	$696.89	SETTLED	40	review	2194	2026-09-14 23:30Z
acht_sim_harb_9qyu4ytt9bb	ach outgoing CREDIT	$507.36	SETTLED	40	review	2170	2026-09-14 03:53Z
acht_sim_harb_4j0z98ib985	ach outgoing DEBIT	$374.78	SETTLED	40	review	2128	2026-09-12 23:14Z
acht_sim_harb_atur9d9e97b	ach outgoing CREDIT	$454.84	SETTLED	55	review	2127	2026-09-12 23:10Z
acht_sim_harb_2hkxvltx923	ach outgoing DEBIT	$445.29	SETTLED	55	review	2105	2026-09-12 05:15Z
acht_sim_harb_6ej8wvqz94i	ach outgoing DEBIT	$279.87	SETTLED	40	review	2087	2026-09-12 00:29Z
acht_sim_harb_cqq9xji3940	ach outgoing DEBIT	$870.15	SETTLED	40	review	2080	2026-09-11 22:44Z
acht_sim_harb_3uaw3tq68zo	ach outgoing CREDIT	$215.53	SETTLED	55	review	2052	2026-09-11 01:53Z
acht_sim_harb_biktmphq91c	ach outgoing CREDIT	$642.32	SETTLED	40	review	2044	2026-09-10 22:37Z
acht_sim_harb_5cs10pbq8xk	ach outgoing CREDIT	$338.80	SETTLED	55	review	2030	2026-09-10 03:30Z
acht_sim_harb_4ckvb0v38y2	ach outgoing CREDIT	$206.58	SETTLED	40	review	2010	2026-09-09 20:06Z
acht_sim_harb_bk8v4h9u8vv	ach outgoing CREDIT	$197.13	SETTLED	15	clear	1991	2026-09-08 22:41Z
acht_sim_harb_2bpj9q1m8uv	ach outgoing CREDIT	$817.23	SETTLED	65	review	1982	2026-09-08 20:05Z
acht_sim_harb_9wi833a68sf	ach outgoing CREDIT	$330.60	SETTLED	15	clear	1977	2026-09-08 03:41Z
acht_sim_harb_2axki35k8ud	ach outgoing CREDIT	$743.93	SETTLED	15	clear	1970	2026-09-08 01:35Z
acht_sim_harb_3ogi83gi8tc	ach outgoing DEBIT	$826.25	SETTLED	55	review	1960	2026-09-08 00:09Z
acht_sim_harb_5giixzv8su	ach outgoing DEBIT	$325.35	SETTLED	55	review	1959	2026-09-07 23:38Z
acht_sim_harb_4lwa6th68qw	ach outgoing CREDIT	$835.41	SETTLED	55	review	1927	2026-09-07 05:21Z
acht_sim_harb_afzadqhq8q4	ach outgoing DEBIT	$229.84	SETTLED	55	review	1925	2026-09-07 04:49Z
acht_sim_harb_9wkwz0pd8pm	ach outgoing DEBIT	$400.91	SETTLED	15	clear	1930	2026-09-07 04:44Z
acht_sim_harb_2bgkrwkz8mm	ach outgoing CREDIT	$344.14	SETTLED	15	clear	1896	2026-09-06 04:01Z
acht_sim_harb_u6urwoh8la	ach outgoing DEBIT	$394.09	SETTLED	55	review	1840	2026-09-04 22:42Z
acht_sim_harb_7mudm62y8k1	ach outgoing CREDIT	$247.54	RETURNED	30	review	1834	2026-09-04 20:35Z
acht_sim_harb_76hug01q8gf	ach outgoing DEBIT	$320.89	SETTLED	15	clear	1830	2026-09-04 04:40Z
acht_sim_harb_srcqri28eo	ach outgoing DEBIT	$260.28	SETTLED	15	clear	1802	2026-09-03 03:50Z
acht_sim_harb_5w0bjk2t8e6	ach outgoing CREDIT	$894.73	SETTLED	30	review	1781	2026-09-03 00:51Z
acht_sim_harb_73bus9ii8fi	ach outgoing CREDIT	$237.29	SETTLED	15	clear	1776	2026-09-02 21:33Z
acht_sim_harb_5kg0n0m48fr	ach outgoing DEBIT	$587.27	SETTLED	15	clear	1775	2026-09-02 21:09Z
acht_sim_harb_je3zn2e8b5	ach outgoing CREDIT	$222.13	SETTLED	15	clear	1753	2026-09-02 00:02Z
acht_sim_harb_bcr6p2qq8bu	ach outgoing CREDIT	$240.35	SETTLED	15	clear	1746	2026-09-01 22:20Z
acht_sim_harb_5edgdixd8cj	ach outgoing DEBIT	$855.40	SETTLED	30	review	1734	2026-09-01 21:16Z
acht_sim_harb_a6osqtk88az	ach outgoing CREDIT	$300.22	SETTLED	15	clear	1737	2026-09-01 20:34Z
acht_sim_harb_1vrvdkj48cs	ach outgoing CREDIT	$446.04	SETTLED	30	review	1729	2026-09-01 20:19Z
acht_sim_harb_67cb20w387z	ach outgoing CREDIT	$386.20	SETTLED	15	clear	1728	2026-09-01 01:56Z
acht_sim_harb_becor8u9895	ach outgoing DEBIT	$750.02	SETTLED	15	clear	1719	2026-09-01 00:25Z
acht_sim_harb_34m0nxrp85m	ach outgoing CREDIT	$831.58	SETTLED	35	review	1689	2026-08-31 02:14Z

Alerts on this counterparty

No alerts.