Entity · PERSON

Denied Origin 1

Id: enti_sim_harb_130qwgg53wz
Program: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification: DENIED
High risk: yes
PEP: no
Requires screening: no
Review reasons: sanctions_match
Last screened: 2026-06-24 12:01Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

100n=2

Band

hold

Confidence

0.42

Version

ers-v1

Scored 2026-09-17 19:33Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	ERS-VER-01 Identity verification was denied.	`entity.denied`	+60	yes	verification DENIED
2	ERS-HIS-01 A tenth or more of the entity's scored transfers landed in the hold band.	`entity.hold_share`	+25		100% of scored transfers in the hold band
3	ERS-SCR-01 Screening marked the entity as high risk.	`entity.high_risk`	+20		marked high risk by screening

Signals

Signal	Weight	Hard	Detail
entity.denied	+60	yes	verification DENIED
entity.high_risk	+20		marked high risk by screening
entity.hold_share	+25		100% of scored transfers in the hold band

Inputs

{
  "n": 2,
  "alerts": {
    "opened": 5,
    "clearedByPerson": 0,
    "heldOrEscalated": 5
  },
  "returns": {
    "any": 0,
    "unauthorized": 0
  },
  "scoredN": 2,
  "holdShare": 1,
  "pepStatus": "no",
  "hardSignal": true,
  "isHighRisk": true,
  "windowDays": 90,
  "reviewShare": 0,
  "velocityRatio": 2,
  "confidenceDecay": 1,
  "screeningAgeDays": 85,
  "observationAgeDays": 15,
  "verificationStatus": "DENIED",
  "distinctCounterparties": 2
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:33Z	100	hold	2	0.42	ers-v1
2026-09-17 19:31Z	100	hold	2	0.42	ers-v1
2026-09-17 19:30Z	80	hold	0	0.40	ers-v1

Limits at this band

The ladder is policy data: these are the caps for a entity 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 31 points, and every hard signal must clear first. 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
entity.denied	60	yes	Identity verification was denied.
entity.hold_share	25		A tenth or more of the entity's scored transfers landed in the hold band.
entity.high_risk	20		Screening marked the entity as high risk.

Transfers

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_harb_1x9rcs6c9kf	ach outgoing CREDIT	$2,400.00	SETTLED	90	hold	1748	2026-09-02 01:29Z
acht_sim_harb_6mf9ak9b9ki	ach outgoing CREDIT	$2,400.00	SETTLED	100	hold	982	2026-08-09 20:25Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
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
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	90 hold	reviewed	held
2026-09-17 19:31Z	rapid_onboarding	The entity's first transfer, $2,400.00, above the program median, came 0.0 hours after verification.	medium	90 hold	reviewed	held
2026-09-17 19:31Z	denied_entity_activity	A $2,400.00 ach transfer was initiated for an entity whose verification was denied.	high	90 hold	reviewed	held
2026-09-17 19:31Z	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
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	90 hold	reviewed	held
2026-09-17 19:30Z	denied_entity_activity	A $2,400.00 ach transfer was initiated for an entity whose verification was denied.	high	90 hold	reviewed	held
2026-09-17 19:30Z	entity_hold	Entity Denied Origin 1 entered the hold band (Skoor 80, n=0): entity.denied, entity.high_risk.	high	80 hold	reviewed	held