Entity · BUSINESS

Larch Studio 123

Id: enti_sim_harb_3fas9a73wv
Program: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-09-03 11:49Z
Country: US
Expected rails: ach, realtime

Entity Risk Skoor Report →

Skoor

30n=90

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": 90,
  "alerts": {
    "opened": 2,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 1,
    "unauthorized": 1
  },
  "scoredN": 88,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.045454545454545456,
  "velocityRatio": 0.9775446557214402,
  "confidenceDecay": 1,
  "screeningAgeDays": 14,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 56
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	30	review	90	1.00	ers-v1
2026-09-17 19:31Z	0	clear	50	0.98	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_5t3o51w9gv	ach outgoing CREDIT	$350.57	SETTLED	0	clear	2250	2026-09-16 04:25Z
acht_sim_harb_49lxt74g9dn	ach outgoing DEBIT	$343.98	SETTLED	0	clear	2210	2026-09-15 02:36Z
acht_sim_harb_c1ljzcc29cj	ach outgoing DEBIT	$696.89	SETTLED	40	review	2194	2026-09-14 23:30Z
acht_sim_harb_bj0dqlv699p	ach outgoing CREDIT	$781.09	SETTLED	0	clear	2175	2026-09-14 04:22Z
acht_sim_harb_4ngp30vl9aw	ach outgoing CREDIT	$335.95	SETTLED	15	clear	2148	2026-09-13 20:38Z
acht_sim_harb_cpyfgxd95w	ach outgoing CREDIT	$339.62	SETTLED	0	clear	2135	2026-09-13 00:01Z
acht_sim_harb_5cwhsbnb953	ach outgoing DEBIT	$228.81	SETTLED	0	clear	2096	2026-09-12 03:08Z
acht_sim_harb_9e3ceto4930	ach outgoing CREDIT	$865.20	SETTLED	0	clear	2072	2026-09-11 21:13Z
acht_sim_harb_74y67tt08zx	ach outgoing CREDIT	$368.73	SETTLED	0	clear	2056	2026-09-11 02:17Z
acht_sim_harb_1ubpvkya90c	ach outgoing DEBIT	$414.88	SETTLED	0	clear	2053	2026-09-11 00:56Z
acht_sim_harb_at61h2vc90i	ach outgoing CREDIT	$259.75	SETTLED	0	clear	2050	2026-09-10 23:13Z
acht_sim_harb_6ii862qj8yw	ach outgoing DEBIT	$687.97	SETTLED	40	review	2008	2026-09-09 21:20Z
acht_sim_harb_58iltcyf8z3	ach outgoing CREDIT	$687.42	SETTLED	15	clear	2011	2026-09-09 20:59Z
acht_sim_harb_6nqwdwxo8vy	ach outgoing CREDIT	$191.20	MANUAL_REVIEW	55	review	1975	2026-09-09 02:48Z
acht_sim_harb_12uhjk568uy	ach outgoing DEBIT	$331.78	SETTLED	0	clear	1995	2026-09-09 00:15Z
acht_sim_harb_2sjphibf8p0	ach outgoing CREDIT	$316.64	SETTLED	0	clear	1916	2026-09-06 23:31Z
acht_sim_harb_4z9jt6818p3	ach outgoing DEBIT	$683.46	SETTLED	0	clear	1900	2026-09-06 20:05Z
acht_sim_harb_2w64ir3k8n7	ach outgoing DEBIT	$536.00	SETTLED	0	clear	1890	2026-09-06 02:01Z
acht_sim_harb_74wwmix8ks	ach outgoing CREDIT	$209.30	SETTLED	0	clear	1872	2026-09-05 05:47Z
acht_sim_harb_8zwwjq3g8ln	ach outgoing CREDIT	$470.41	SETTLED	0	clear	1867	2026-09-05 04:53Z
acht_sim_harb_1vg1ke848gc	ach outgoing CREDIT	$284.88	SETTLED	30	review	1821	2026-09-04 02:08Z
acht_sim_harb_9levtpby8ca	ach outgoing DEBIT	$510.46	SETTLED	0	clear	1743	2026-09-01 21:37Z
acht_sim_harb_6fe048mf86t	ach outgoing CREDIT	$276.29	SETTLED	0	clear	1689	2026-08-30 23:04Z
acht_sim_harb_malkqmn80w	ach outgoing CREDIT	$374.78	SETTLED	0	clear	1632	2026-08-29 01:40Z
acht_sim_harb_5n3tjza47q4	ach outgoing CREDIT	$351.88	SETTLED	0	clear	1531	2026-08-25 05:47Z
acht_sim_harb_19q2lp057q1	ach outgoing CREDIT	$300.80	SETTLED	0	clear	1515	2026-08-25 02:13Z
acht_sim_harb_4a1crneg7r1	ach outgoing DEBIT	$424.06	SETTLED	0	clear	1503	2026-08-25 00:00Z
acht_sim_harb_bujp1v677np	ach outgoing CREDIT	$834.85	SETTLED	15	clear	1486	2026-08-24 04:04Z
acht_sim_harb_30hrprun7ir	ach outgoing CREDIT	$791.87	SETTLED	0	clear	1422	2026-08-22 05:37Z
acht_sim_harb_28m52eij7ey	ach outgoing CREDIT	$925.80	SETTLED	0	clear	1372	2026-08-21 01:44Z
acht_sim_harb_8wuhq0ry7a6	ach outgoing DEBIT	$336.53	SETTLED	0	clear	1345	2026-08-20 04:13Z
acht_sim_harb_bu3opozr76q	ach outgoing DEBIT	$474.16	SETTLED	10	clear	1306	2026-08-19 04:19Z
acht_sim_harb_bi3qmnbj78i	ach outgoing CREDIT	$922.31	SETTLED	0	clear	1301	2026-08-19 02:59Z
acht_sim_harb_5r2qiay3750	ach outgoing CREDIT	$623.39	SETTLED	0	clear	1274	2026-08-18 05:00Z
acht_sim_harb_2zfx27we74q	ach outgoing CREDIT	$205.20	RETURNED	65	review	1248	2026-08-18 01:33Z
acht_sim_harb_1rkd88rx72q	ach outgoing CREDIT	$328.76	SETTLED	10	clear	1255	2026-08-18 01:31Z
acht_sim_harb_4bycrtud74u	ach outgoing DEBIT	$298.29	SETTLED	0	clear	1253	2026-08-18 00:46Z
acht_sim_harb_5sudh32d74x	ach outgoing DEBIT	$318.24	SETTLED	10	clear	1247	2026-08-17 23:17Z
acht_sim_harb_ae1534pf75v	ach outgoing CREDIT	$329.40	SETTLED	0	clear	1241	2026-08-17 21:57Z
acht_sim_harb_1pifq1cg710	ach outgoing DEBIT	$857.89	SETTLED	0	clear	1230	2026-08-17 04:12Z

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 $696.89 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 $687.97 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 6 transfers and $2,767.27 in 24 hours.	medium	25 clear	reviewed	open