Entity · BUSINESS

Birch Holdings 113

Id: enti_sim_harb_2ag6spru3vs
Program: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-08-19 15:42Z
Country: US
Expected rails: ach, realtime

Entity Risk Skoor Report →

Skoor

30n=86

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": 86,
  "alerts": {
    "opened": 5,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 3,
    "unauthorized": 1
  },
  "scoredN": 82,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.04878048780487805,
  "velocityRatio": 1.533488470316853,
  "confidenceDecay": 1,
  "screeningAgeDays": 29,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 51
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	30	review	86	1.00	ers-v1
2026-09-17 19:31Z	0	clear	47	0.94	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_96c1cbc19i1	ach outgoing DEBIT	$223.84	SUBMITTED	0	clear	2258	2026-09-17 04:33Z
acht_sim_harb_51lfujkr9ih	ach outgoing CREDIT	$195.78	SUBMITTED	0	clear	2249	2026-09-17 01:02Z
acht_sim_harb_4e6bdyla9f1	ach outgoing CREDIT	$268.93	SETTLED	40	review	2247	2026-09-16 03:12Z
acht_sim_harb_8ielm6ju9g7	ach outgoing CREDIT	$336.92	SETTLED	40	review	2243	2026-09-16 02:05Z
acht_sim_harb_93ggdn709hj	ach outgoing DEBIT	$191.83	SETTLED	0	clear	2225	2026-09-15 21:18Z
acht_sim_harb_1fx30k4a9cp	ach outgoing CREDIT	$877.49	MANUAL_REVIEW	15	clear	2171	2026-09-15 01:41Z
acht_sim_harb_4nurayh79d2	ach outgoing CREDIT	$329.84	SETTLED	0	clear	2198	2026-09-14 23:54Z
acht_sim_harb_mkrvaza98g	ach outgoing CREDIT	$473.80	SETTLED	40	review	2166	2026-09-14 02:10Z
acht_sim_harb_be9cx6cv9aq	ach outgoing DEBIT	$233.96	SETTLED	0	clear	2161	2026-09-13 23:38Z
acht_sim_harb_40gycpc997h	ach outgoing DEBIT	$905.76	SETTLED	15	clear	2142	2026-09-13 03:36Z
acht_sim_harb_9vs1oo8f965	ach outgoing CREDIT	$677.20	SETTLED	15	clear	2140	2026-09-13 02:59Z
acht_sim_harb_8ds8kw0097q	ach outgoing CREDIT	$490.52	SETTLED	0	clear	2121	2026-09-12 22:26Z
acht_sim_harb_6hy58xm91u	ach outgoing CREDIT	$737.22	SETTLED	0	clear	2090	2026-09-12 00:54Z
acht_sim_harb_9viaex36950	ach outgoing DEBIT	$206.83	SETTLED	0	clear	2088	2026-09-12 00:14Z
acht_sim_harb_3cz8m1bx8xe	ach outgoing DEBIT	$706.39	SETTLED	0	clear	2024	2026-09-10 00:43Z
acht_sim_harb_b2t7vo2l8xw	ach outgoing DEBIT	$768.61	SETTLED	40	review	2016	2026-09-09 23:48Z
acht_sim_harb_c53nyeef8vz	ach outgoing CREDIT	$747.52	SETTLED	0	clear	1989	2026-09-08 20:40Z
acht_sim_harb_3ohtf2yd8sr	ach outgoing CREDIT	$216.70	SETTLED	0	clear	1974	2026-09-08 02:42Z
acht_sim_harb_13wdusxf8sl	ach outgoing DEBIT	$799.41	SETTLED	0	clear	1967	2026-09-08 00:31Z
acht_sim_harb_6snoxt8x8qd	ach outgoing DEBIT	$456.05	SETTLED	15	clear	1929	2026-09-07 04:20Z
acht_sim_harb_9jix8jfv8qg	ach outgoing CREDIT	$668.32	SETTLED	0	clear	1924	2026-09-07 02:19Z
acht_sim_harb_ank8sfke8pv	ach outgoing DEBIT	$272.45	SETTLED	0	clear	1907	2026-09-06 21:37Z
acht_sim_harb_2w7pbjo28qp	ach outgoing CREDIT	$265.15	SETTLED	15	clear	1906	2026-09-06 20:59Z
acht_sim_harb_57moc9ov8kl	ach outgoing CREDIT	$542.96	SETTLED	15	clear	1871	2026-09-05 05:43Z
acht_sim_harb_7g51ctiu8m2	ach outgoing CREDIT	$905.89	SETTLED	0	clear	1859	2026-09-05 02:40Z
acht_sim_harb_6sqn98ub8m5	ach outgoing DEBIT	$213.53	SETTLED	0	clear	1845	2026-09-04 21:57Z
acht_sim_harb_fru52kp8j0	ach outgoing CREDIT	$293.56	SETTLED	0	clear	1819	2026-09-04 01:52Z
acht_sim_harb_cchg19jc8ir	ach outgoing DEBIT	$242.32	SETTLED	0	clear	1818	2026-09-04 01:45Z
acht_sim_harb_bb4r44j38gl	ach outgoing CREDIT	$588.65	SETTLED	0	clear	1811	2026-09-03 22:47Z
rttr_sim_harb_1vg0dzpm8g7	realtime outgoing	$709.83	COMPLETED	0	clear	1758	2026-09-02 23:00Z
acht_sim_harb_2cenkfm88fo	ach outgoing CREDIT	$386.76	SETTLED	40	review	1760	2026-09-02 20:21Z
acht_sim_harb_3u90h9in892	ach outgoing DEBIT	$270.75	SETTLED	15	clear	1723	2026-09-01 01:34Z
acht_sim_harb_ar31fw8685s	ach outgoing CREDIT	$213.87	SETTLED	15	clear	1677	2026-08-30 20:22Z
acht_sim_harb_43327lke834	ach outgoing DEBIT	$709.63	SETTLED	0	clear	1649	2026-08-29 21:19Z
acht_sim_harb_no468is81z	ach outgoing CREDIT	$537.99	SETTLED	0	clear	1648	2026-08-29 05:50Z
acht_sim_harb_7sjwmolf815	ach outgoing CREDIT	$445.98	SETTLED	0	clear	1645	2026-08-29 04:48Z
acht_sim_harb_2a3e58p281b	ach outgoing DEBIT	$901.44	SETTLED	0	clear	1644	2026-08-29 04:44Z
acht_sim_harb_47yswxpi7zz	ach outgoing CREDIT	$914.95	SETTLED	0	clear	1601	2026-08-28 01:00Z
acht_sim_harb_92g1vr837tq	ach outgoing CREDIT	$403.48	SETTLED	0	clear	1559	2026-08-26 03:54Z
acht_sim_harb_5mdmbss7uh	ach outgoing DEBIT	$882.08	SETTLED	0	clear	1556	2026-08-26 03:35Z

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 $268.93 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 $336.92 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 $473.80 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 $768.61 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 $386.76 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	velocity_spike	Entity velocity spiked: 1 transfers and $635.76 in 24 hours.	medium	null unscored	reviewed	open