Entity · PERSON

Sandbox Structurer

Id: enti_sb_b97299e172269885
Program: 030a8115-8109-4bdc-8e82-65ec40280d47
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-09-15 08:14Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

nulln=4

Band

unscored

Confidence

null

Version

ers-v1

Unscored: too little history for a number. Treated as Review, never as Clear.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	ERS-HIS-01 A tenth or more of the entity's scored transfers landed in the hold band.	`entity.hold_share`	+25		50% of scored transfers in the hold band

Signals

Signal	Weight	Hard	Detail
entity.hold_share	+25		50% of scored transfers in the hold band

Inputs

{
  "n": 4,
  "alerts": {
    "opened": 4,
    "clearedByPerson": 0,
    "heldOrEscalated": 2
  },
  "reason": "history 4 below minimum 5",
  "returns": {
    "any": 0,
    "unauthorized": 0
  },
  "scoredN": 4,
  "holdShare": 0.5,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.25,
  "velocityRatio": null,
  "screeningAgeDays": 2,
  "observationAgeDays": 0,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 1
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 23:15Z	null	unscored	4	null	ers-v1
2026-09-17 23:14Z	null	unscored	1	null	ers-v1
2026-09-17 23:13Z	null	unscored	0	null	ers-v1

Limits at this band

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

Per transaction: $1,000.00
Per day: $5,000.00
Per month: $25,000.00
Re-screen every: 30 days

What unlocks the next band

Unscored: 1 more observation before a number exists. Until then the entity moves under the unscored caps, never the clear ones.

Transfers

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sb_9f64fcb36bd51819	ach outgoing DEBIT	$9,700.00	SETTLED	45	hold	1480	2026-09-17 23:13Z
acht_sb_369a4cf950d56226	ach outgoing DEBIT	$9,500.00	SETTLED	45	hold	1478	2026-09-17 18:13Z
acht_sb_e202fc8f25ac73a4	ach outgoing DEBIT	$9,300.00	SETTLED	10	clear	1477	2026-09-17 13:13Z
acht_sb_33c93fbe7c831401	ach outgoing DEBIT	$9,100.00	SETTLED	35	review	1476	2026-09-17 08:13Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
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
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
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
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
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