SKOOR Risk Money movement. Skoored by AI.

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Counterparty · agent

Settlement Agent (Meridian vendor) agent

Id: cpty_sim_meri_1obmksl9pv
Program that added it: 48915275-d6d2-4068-8e62-f51a51f9da77
Country: —
Routing number: —
Account (last 4): —
First seen: 2026-09-17 19:30Z
Programs paying it: 1
Entities paying it: 23
Operator entity: enti_sim_meri_zfaci2z9lw
Declared purpose: marketplace settlement
Declared scope: ach, realtime

Counterparty Risk Skoor Report →

Skoor

10n=75

Band

clear

Confidence

0.80

Version

crs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	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.new	+10		first seen 0d ago

Inputs

{
  "n": 75,
  "returns": {
    "any": 0,
    "unauthorized": 0
  },
  "scoredN": 74,
  "holdShare": 0,
  "hardSignal": false,
  "windowDays": 180,
  "countryCode": null,
  "reviewShare": 0,
  "concentration": 0.00932063351441378,
  "confidenceDecay": 1,
  "distinctEntities": 23,
  "distinctPrograms": 1,
  "firstSeenAgeDays": 0,
  "observationAgeDays": 2,
  "programsWithReturns": 0
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	10	clear	75	0.80	crs-v1
2026-09-17 19:31Z	10	clear	41	0.67	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 clear band, and the re-screen cadence. A bank sets its own numbers; these are the defaults.

Per transaction: $100,000.00
Per day: $500,000.00
Per month: $10,000,000.00
Re-screen every: 90 days

What unlocks the next band

Already in the clear band: the widest caps on the ladder. Staying there means none of the signals above return.

Agent Risk Skoor Report →

Skoor

30n=75

Band

review

Confidence

0.80

Version

ars-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	ARS-SCP-02 The agent moved money on rails outside its declared scope.	`agent.out_of_scope`	+20		activity on wire outside declared scope ach, realtime
2	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.new	+10		first seen 0d ago
agent.out_of_scope	+20		activity on wire outside declared scope ach, realtime

Inputs

{
  "n": 75,
  "base": "crs-v1",
  "scope": [
    "ach",
    "realtime"
  ],
  "purpose": "marketplace settlement",
  "returns": {
    "any": 0,
    "unauthorized": 0
  },
  "scoredN": 74,
  "holdShare": 0,
  "railsUsed": [
    "ach",
    "wire"
  ],
  "hardSignal": false,
  "windowDays": 180,
  "countryCode": null,
  "reviewShare": 0,
  "concentration": 0.00932063351441378,
  "confidenceDecay": 1,
  "distinctEntities": 23,
  "distinctPrograms": 1,
  "firstSeenAgeDays": 0,
  "operatorEntityId": "enti_sim_meri_zfaci2z9lw",
  "observationAgeDays": 2,
  "programsWithReturns": 0
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	30	review	75	0.80	ars-v1
2026-09-17 19:31Z	30	review	41	0.67	ars-v1
2026-09-17 19:30Z	null	unscored	2	null	ars-v1

Transfers with this counterparty (tenant-wide)

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_meri_6lidst6jcdc	ach outgoing CREDIT	$462.77	SUBMITTED	0	clear	1076	2026-09-17 02:19Z
acht_sim_meri_3zkaah46cd2	ach outgoing CREDIT	$580.30	SUBMITTED	0	clear	1069	2026-09-17 00:30Z
acht_sim_meri_2rnz50a8cbq	ach outgoing CREDIT	$693.19	SETTLED	0	clear	1063	2026-09-15 21:59Z
acht_sim_meri_9dkg1oo1ca6	ach outgoing CREDIT	$947.78	SETTLED	0	clear	1055	2026-09-15 02:52Z
acht_sim_meri_8dqe4queca3	ach outgoing CREDIT	$372.41	SETTLED	0	clear	1046	2026-09-14 21:05Z
acht_sim_meri_bbne1o4lc97	ach outgoing CREDIT	$778.04	SETTLED	0	clear	1034	2026-09-13 21:27Z
acht_sim_meri_9syohp15c8d	ach outgoing CREDIT	$341.49	SETTLED	0	clear	1004	2026-09-12 22:35Z
acht_sim_meri_c52i4nz7c5c	ach outgoing CREDIT	$309.07	SETTLED	0	clear	984	2026-09-11 04:53Z
acht_sim_meri_9f0s1ojqc59	ach outgoing CREDIT	$1,298.86	SETTLED	15	clear	973	2026-09-10 22:04Z
acht_sim_meri_5nvsjob7c24	ach outgoing DEBIT	$1,020.14	SETTLED	0	clear	933	2026-09-07 23:26Z
acht_sim_meri_6tyejuzkc1y	ach outgoing DEBIT	$544.64	SETTLED	20	clear	929	2026-09-07 21:49Z
acht_sim_meri_3egkia8wc0k	ach outgoing CREDIT	$442.22	SETTLED	0	clear	922	2026-09-07 02:07Z
wire_sim_meri_b2xczvm4c0t	wire outgoing	$1,571.96	COMPLETED	0	clear	911	2026-09-07 01:00Z
acht_sim_meri_7s7fjxn7bzn	ach outgoing CREDIT	$394.67	SETTLED	0	clear	917	2026-09-06 22:57Z
acht_sim_meri_6jo2pu5ibzi	ach outgoing CREDIT	$804.46	SETTLED	0	clear	911	2026-09-06 05:44Z
acht_sim_meri_4hquhmobyr	ach outgoing CREDIT	$1,337.81	SETTLED	0	clear	900	2026-09-05 23:29Z
acht_sim_meri_bwzwzkvvbxr	ach outgoing DEBIT	$364.32	SETTLED	0	clear	892	2026-09-05 05:21Z
acht_sim_meri_bcym7c28bxc	ach outgoing CREDIT	$296.63	SETTLED	0	clear	891	2026-09-05 03:36Z
acht_sim_meri_bezsv53hby3	ach outgoing CREDIT	$819.02	SETTLED	0	clear	882	2026-09-04 20:17Z
acht_sim_meri_697ac02abt6	ach outgoing DEBIT	$304.47	SETTLED	0	clear	835	2026-09-01 21:28Z
acht_sim_meri_cfm4v9jybtl	ach outgoing CREDIT	$344.52	SETTLED	0	clear	834	2026-09-01 20:42Z
acht_sim_meri_3aoauvn9bt0	ach outgoing CREDIT	$1,276.59	SETTLED	15	clear	827	2026-09-01 04:58Z
acht_sim_meri_8vhivn45bse	ach outgoing DEBIT	$450.71	SETTLED	0	clear	827	2026-09-01 00:33Z
acht_sim_meri_ai052daybs2	ach outgoing CREDIT	$1,211.82	SETTLED	0	clear	823	2026-08-31 23:59Z
acht_sim_meri_2scdc4qlbqn	ach outgoing DEBIT	$309.26	SETTLED	0	clear	813	2026-08-31 04:49Z
acht_sim_meri_9yubeviubqw	ach outgoing CREDIT	$1,264.65	SETTLED	0	clear	807	2026-08-31 01:21Z
acht_sim_meri_2d24gwm3brk	ach outgoing CREDIT	$882.04	SETTLED	20	clear	796	2026-08-30 21:29Z
acht_sim_meri_5v1b6y7wbr2	ach outgoing DEBIT	$916.81	SETTLED	0	clear	800	2026-08-30 21:20Z
acht_sim_meri_7v9lsyiebmk	ach outgoing CREDIT	$403.25	SETTLED	0	clear	765	2026-08-28 03:40Z
acht_sim_meri_5so8gkdjbmn	ach outgoing CREDIT	$419.54	SETTLED	0	clear	753	2026-08-27 20:00Z
acht_sim_meri_bdl7bg1obli	ach outgoing DEBIT	$300.82	SETTLED	0	clear	751	2026-08-27 05:40Z
acht_sim_meri_4vh2336fbkc	ach outgoing DEBIT	$1,156.67	SETTLED	0	clear	730	2026-08-26 02:20Z
acht_sim_meri_7ip0z92lbi3	ach outgoing CREDIT	$421.36	SETTLED	0	clear	705	2026-08-24 05:32Z
acht_sim_meri_38ztfuwwbhk	ach outgoing CREDIT	$987.45	SETTLED	20	clear	698	2026-08-24 02:30Z
acht_sim_meri_2nott0rabfb	ach outgoing CREDIT	$386.72	SETTLED	0	clear	665	2026-08-22 00:59Z
acht_sim_meri_dzlk0mobek	ach outgoing DEBIT	$803.53	SETTLED	0	clear	664	2026-08-22 00:11Z
acht_sim_meri_5w46z262bcg	ach outgoing DEBIT	$917.05	SETTLED	0	clear	645	2026-08-20 05:32Z
acht_sim_meri_5zv81lppbc1	ach outgoing CREDIT	$408.92	SETTLED	0	clear	632	2026-08-20 00:21Z
acht_sim_meri_a4aebwqob93	ach outgoing CREDIT	$1,080.51	SETTLED	15	clear	605	2026-08-18 03:34Z
acht_sim_meri_8p68tn4yb6y	ach outgoing CREDIT	$931.06	SETTLED	0	clear	573	2026-08-15 23:33Z

Alerts on this counterparty

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:31Z	agent_out_of_scope	Agent Settlement Agent (Meridian vendor) moved money on rails outside its declared scope (ach, wire vs ach, realtime).	high	30 review	reviewed	open