Entity · BUSINESS

Fern Studio 15

Id: enti_sim_harb_21hv01zx3uw
Program: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-09-05 15:35Z
Country: US
Expected rails: ach, realtime

Entity Risk Skoor Report →

Skoor

30n=106

Band

review

Confidence

1.00

Version

ers-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	ERS-RET-01 The entity's transfers have drawn unauthorized returns.	`entity.unauthorized_returns`	+30		1 unauthorized return(s) against it

Signals

Signal	Weight	Hard	Detail
entity.unauthorized_returns	+30		1 unauthorized return(s) against it

Inputs

{
  "n": 106,
  "alerts": {
    "opened": 7,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 3,
    "unauthorized": 1
  },
  "scoredN": 104,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.0673076923076923,
  "velocityRatio": 1.1785381158314254,
  "confidenceDecay": 1,
  "screeningAgeDays": 12,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 64
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	30	review	106	1.00	ers-v1
2026-09-17 19:31Z	0	clear	61	0.97	ers-v1
2026-09-17 19:30Z	null	unscored	0	null	ers-v1

Limits at this band

The ladder is policy data: these are the caps for a entity 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 1 point. 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
entity.unauthorized_returns	30		The entity's transfers have drawn unauthorized returns.

Transfers

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_harb_5cyj3qze9iu	ach outgoing CREDIT	$430.56	SUBMITTED	0	clear	2249	2026-09-17 02:10Z
acht_sim_harb_bk6lqtnv9cw	ach outgoing CREDIT	$431.64	SETTLED	15	clear	2215	2026-09-15 03:09Z
acht_sim_harb_by82coeg9bs	ach outgoing DEBIT	$614.15	SETTLED	0	clear	2213	2026-09-15 02:49Z
acht_sim_harb_82ultepm9e5	ach outgoing DEBIT	$502.96	SETTLED	0	clear	2204	2026-09-15 01:47Z
acht_sim_harb_2b0q7ebd9a8	ach outgoing DEBIT	$293.34	SETTLED	40	review	2175	2026-09-14 04:59Z
acht_sim_harb_5upwyni799v	ach outgoing CREDIT	$196.82	SETTLED	40	review	2168	2026-09-14 03:42Z
acht_sim_harb_bcasc24b99s	ach outgoing DEBIT	$640.92	SETTLED	15	clear	2157	2026-09-13 22:08Z
acht_sim_harb_34eili94997	ach outgoing CREDIT	$380.66	SETTLED	15	clear	2150	2026-09-13 21:09Z
acht_sim_harb_19t7057y972	ach outgoing DEBIT	$563.28	SETTLED	0	clear	2146	2026-09-13 04:53Z
acht_sim_harb_48z0fn0d96e	ach outgoing CREDIT	$885.93	SETTLED	0	clear	2112	2026-09-12 20:16Z
acht_sim_harb_2l5w33mh8zc	ach outgoing CREDIT	$251.52	SETTLED	0	clear	2060	2026-09-11 03:05Z
acht_sim_harb_72urytx790o	ach outgoing DEBIT	$621.62	SETTLED	10	clear	2040	2026-09-10 20:14Z
acht_sim_harb_4eb31mnk91p	ach outgoing DEBIT	$653.73	SETTLED	15	clear	2039	2026-09-10 20:10Z
acht_sim_harb_9rir1wnf8wt	ach outgoing CREDIT	$202.24	SETTLED	40	review	2033	2026-09-10 04:41Z
acht_sim_harb_b13txgih8yt	ach outgoing CREDIT	$261.48	SETTLED	0	clear	2014	2026-09-09 21:56Z
acht_sim_harb_45bzc23j8yn	ach outgoing DEBIT	$534.76	SETTLED	15	clear	2013	2026-09-09 21:23Z
acht_sim_harb_5l3g82q28u1	ach outgoing DEBIT	$820.52	SETTLED	15	clear	1982	2026-09-08 04:34Z
acht_sim_harb_1tj9m4qo8u0	ach outgoing DEBIT	$349.56	MANUAL_REVIEW	25	clear	1951	2026-09-08 03:32Z
acht_sim_harb_b8djflou8rn	ach outgoing CREDIT	$315.34	SETTLED	40	review	1954	2026-09-07 22:38Z
acht_sim_harb_4z08j4238qv	ach outgoing DEBIT	$286.79	HOLD	5	clear	1896	2026-09-07 01:35Z
acht_sim_harb_9kk01fmw8r5	ach outgoing CREDIT	$358.93	SETTLED	0	clear	1915	2026-09-06 23:09Z
acht_sim_harb_2vigzm6o8ny	ach outgoing CREDIT	$241.35	SETTLED	0	clear	1887	2026-09-06 00:56Z
acht_sim_harb_msc2pgu8lk	ach outgoing DEBIT	$472.67	SETTLED	0	clear	1863	2026-09-05 03:40Z
acht_sim_harb_bcrggpai8if	ach outgoing CREDIT	$482.15	SETTLED	10	clear	1823	2026-09-04 02:26Z
acht_sim_harb_8wtck5zs8i3	ach outgoing CREDIT	$523.62	SETTLED	0	clear	1816	2026-09-04 00:52Z
acht_sim_harb_39yp3iyx8g1	ach outgoing DEBIT	$563.24	SETTLED	0	clear	1802	2026-09-03 04:37Z
acht_sim_harb_8yl6s8kt8er	ach outgoing CREDIT	$353.38	SETTLED	0	clear	1786	2026-09-03 00:11Z
acht_sim_harb_abzwl79l8e3	ach outgoing CREDIT	$377.75	SETTLED	0	clear	1771	2026-09-02 20:45Z
acht_sim_harb_29pru7ai8cd	ach outgoing DEBIT	$872.48	SETTLED	0	clear	1758	2026-09-02 02:27Z
acht_sim_harb_2r9gcbdw8cm	ach outgoing DEBIT	$704.84	SETTLED	0	clear	1742	2026-09-01 21:21Z
acht_sim_harb_auk4b0e5864	ach outgoing DEBIT	$269.87	SETTLED	0	clear	1686	2026-08-30 22:36Z
acht_sim_harb_2uuousyo86p	ach outgoing CREDIT	$352.65	RETURNED	40	review	1675	2026-08-30 21:04Z
acht_sim_harb_8eo51fue83p	ach outgoing CREDIT	$614.37	SETTLED	0	clear	1669	2026-08-30 03:15Z
acht_sim_harb_4p0zlcy384j	ach outgoing DEBIT	$268.25	SETTLED	15	clear	1664	2026-08-30 02:22Z
acht_sim_harb_3qmonz5r7w4	ach outgoing DEBIT	$768.76	SETTLED	10	clear	1566	2026-08-26 21:19Z
acht_sim_harb_tkwrna17v9	ach outgoing CREDIT	$198.93	SETTLED	0	clear	1555	2026-08-26 03:34Z
acht_sim_harb_3l79872p7r4	ach outgoing DEBIT	$297.32	SETTLED	15	clear	1524	2026-08-25 03:37Z
acht_sim_harb_2eq8csb77ps	ach outgoing DEBIT	$390.24	SETTLED	0	clear	1501	2026-08-24 23:22Z
acht_sim_harb_wp6bq827p4	ach outgoing DEBIT	$761.53	SETTLED	15	clear	1497	2026-08-24 22:50Z
acht_sim_harb_47rgu7ix7mf	ach outgoing DEBIT	$538.67	SETTLED	0	clear	1463	2026-08-23 04:27Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $293.34 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $196.82 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $202.24 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $315.34 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $352.65 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:31Z	burst_then_dormant	The entity made 6 transfers on 2026-08-04 and has been silent for 43 days since.	medium	null unscored	reviewed	open