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Entity · BUSINESS · agent

Payout Agent (Harbor) agent

Id
enti_sim_harb_3ijt1t3u3xa
Program
898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification
VERIFIED
High risk
no
PEP
no
Requires screening
no
Review reasons
—
Last screened
2026-09-02 17:52Z
Country
US
Expected rails
ach, realtime
Operator entity
enti_sim_harb_kytao1m3ti
Declared purpose
vendor payouts
Declared scope
ach

Entity Risk Skoor Report →

Skoor
30n=125
Band
review
Confidence
1.00
Version
ers-v1

Scored 2026-09-17 19:32Z.

Top reasons

#ReasonSignalWeightHardDetail
1ERS-RET-01 The entity's transfers have drawn unauthorized returns.entity.unauthorized_returns+301 unauthorized return(s) against it

Signals

SignalWeightHardDetail
entity.unauthorized_returns+301 unauthorized return(s) against it

Inputs

{
  "n": 125,
  "alerts": {
    "opened": 4,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 2,
    "unauthorized": 1
  },
  "scoredN": 119,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.05042016806722689,
  "velocityRatio": 1.1505525066562603,
  "confidenceDecay": 1,
  "screeningAgeDays": 15,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 67
}

History

As ofSkoorBandnConfidenceVersion
2026-09-17 19:32Z30review1251.00ers-v1
2026-09-17 19:31Z0clear690.98ers-v1
2026-09-17 19:30Znullunscored0nullers-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 clearPointsHardWhat it means
entity.unauthorized_returns30The entity's transfers have drawn unauthorized returns.

Agent Risk Skoor Report →

Skoor
50n=125
Band
review
Confidence
1.00
Version
ars-v1

Scored 2026-09-17 19:32Z.

Top reasons

#ReasonSignalWeightHardDetail
1ERS-RET-01 The entity's transfers have drawn unauthorized returns.entity.unauthorized_returns+301 unauthorized return(s) against it
2ARS-SCP-02 The agent moved money on rails outside its declared scope.agent.out_of_scope+20activity on realtime outside declared scope ach

Signals

SignalWeightHardDetail
entity.unauthorized_returns+301 unauthorized return(s) against it
agent.out_of_scope+20activity on realtime outside declared scope ach

Inputs

{
  "n": 125,
  "base": "ers-v1",
  "scope": [
    "ach"
  ],
  "alerts": {
    "opened": 4,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "purpose": "vendor payouts",
  "returns": {
    "any": 2,
    "unauthorized": 1
  },
  "scoredN": 119,
  "holdShare": 0,
  "pepStatus": "no",
  "railsUsed": [
    "ach",
    "realtime"
  ],
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.05042016806722689,
  "velocityRatio": 1.1505525066562603,
  "confidenceDecay": 1,
  "operatorEntityId": "enti_sim_harb_kytao1m3ti",
  "screeningAgeDays": 15,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 67
}

History

As ofSkoorBandnConfidenceVersion
2026-09-17 19:32Z50review1251.00ars-v1
2026-09-17 19:31Z20clear690.98ars-v1
2026-09-17 19:30Znullunscored0nullars-v1

Transfers

TransferRailAmountStatusSkoorBandnCreated
acht_sim_harb_5xb3egdq9gaach outgoing CREDIT$851.67SETTLED0clear22542026-09-16 05:26Z
acht_sim_harb_zgwfavk9gmach outgoing CREDIT$670.63SETTLED55review22412026-09-16 02:04Z
rttr_sim_harb_564a6g109berealtime outgoing$221.32COMPLETED0clear21392026-09-13 23:00Z
acht_sim_harb_1noxmj3k95kach outgoing DEBIT$324.67SETTLED0clear21362026-09-13 00:04Z
acht_sim_harb_a58xrqp3982ach outgoing CREDIT$720.70SETTLED0clear21312026-09-12 23:19Z
acht_sim_harb_a1si5wec975ach outgoing CREDIT$490.35SETTLED0clear21282026-09-12 23:01Z
rttr_sim_harb_lygodbi98erealtime outgoing$504.49COMPLETED0clear20852026-09-12 23:00Z
acht_sim_harb_129mr3qd96tach outgoing DEBIT$271.10SETTLED0clear21152026-09-12 20:55Z
acht_sim_harb_cfpv52xc94uach outgoing CREDIT$275.46SETTLED0clear21002026-09-12 04:21Z
rttr_sim_harb_6aq2x0uq956realtime outgoing$344.33COMPLETED0clear20542026-09-11 23:00Z
acht_sim_harb_63khfrdd903ach outgoing CREDIT$716.83SETTLED0clear20642026-09-11 05:37Z
acht_sim_harb_x17u1xl900ach outgoing DEBIT$488.15SETTLED40review20442026-09-10 22:51Z
acht_sim_harb_3ttp1e588wwach outgoing DEBIT$338.13SETTLED15clear20302026-09-10 01:33Z
acht_sim_harb_4yrqw3pr8xnach outgoing CREDIT$253.48SETTLED0clear20222026-09-10 00:08Z
acht_sim_harb_5w1c4hux8y8ach outgoing CREDIT$219.14SETTLED0clear20202026-09-09 23:51Z
acht_sim_harb_6fcbvpqa8rtach outgoing CREDIT$587.80SETTLED0clear19852026-09-08 05:48Z
acht_sim_harb_76ocif8z8tiach outgoing CREDIT$564.01SETTLED15clear19682026-09-08 00:35Z
acht_sim_harb_5s039vpx8qzach outgoing DEBIT$898.00SETTLED0clear19142026-09-06 23:02Z
acht_sim_harb_bpy81aqb8reach outgoing DEBIT$203.20SETTLED0clear19012026-09-06 20:07Z
acht_sim_harb_18i54y4q8nmach outgoing DEBIT$570.66SETTLED0clear18842026-09-06 00:32Z
rttr_sim_harb_1llbe1148omrealtime outgoing$450.19COMPLETED55review18592026-09-05 23:00Z
acht_sim_harb_9rgluzgt8kvach outgoing CREDIT$336.36SETTLED0clear18512026-09-05 00:13Z
acht_sim_harb_5z6wnpch8jyach outgoing CREDIT$499.86SETTLED0clear18442026-09-04 21:28Z
acht_sim_harb_7ab8onn58kcach outgoing DEBIT$696.59SETTLED0clear18392026-09-04 20:03Z
acht_sim_harb_1dbv5zt68i9ach outgoing CREDIT$520.78SETTLED0clear18332026-09-04 05:01Z
acht_sim_harb_2omsxrbv8iuach outgoing DEBIT$382.32SETTLED15clear18222026-09-04 02:22Z
acht_sim_harb_2ko80gpu8diach outgoing CREDIT$212.55SETTLED15clear17852026-09-02 23:53Z
acht_sim_harb_b13qgy5w8f0ach outgoing CREDIT$702.25SETTLED40review17662026-09-02 20:55Z
acht_sim_harb_12ytbhie8e0ach outgoing DEBIT$206.22SETTLED40review17642026-09-02 20:51Z
acht_sim_harb_2fv7egmf8aqach outgoing CREDIT$197.62SETTLED10clear17402026-09-01 21:15Z
acht_sim_harb_1c8n2iq872ach outgoing DEBIT$728.37SETTLED10clear16862026-08-30 22:14Z
rttr_sim_harb_41wpzu25851realtime outgoing$351.17COMPLETED0clear16302026-08-29 23:00Z
acht_sim_harb_29er6zbf7xvach outgoing CREDIT$325.80SETTLED0clear16082026-08-28 03:20Z
acht_sim_harb_7d7qhyqg7yaach outgoing CREDIT$257.21SETTLED0clear16052026-08-28 01:29Z
acht_sim_harb_bcxv1xcn7ypach outgoing CREDIT$252.24SETTLED0clear15952026-08-27 23:16Z
acht_sim_harb_9tm7u0a87xgach outgoing CREDIT$411.19SETTLED0clear15772026-08-27 02:29Z
rttr_sim_harb_60lnq3407xprealtime outgoing$747.41COMPLETED0clear15472026-08-26 23:00Z
acht_sim_harb_6t96f0yz7xjach outgoing DEBIT$651.97SETTLED0clear15622026-08-26 20:02Z
acht_sim_harb_4s8g4mlt7s7ach outgoing DEBIT$193.77SETTLED15clear15142026-08-25 01:41Z
acht_sim_harb_5qlv4ic77ryach outgoing CREDIT$633.72SETTLED0clear15062026-08-25 00:48Z

Alerts on this entity and its transfers

OpenedDetectorSummarySeveritySkoorRouteStatus
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 55 (review band) on a $670.63 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.medium55 reviewreviewedopen
2026-09-17 19:32Zagent_out_of_scopeAgent Payout Agent (Harbor) moved money on rails outside its declared scope (ach, realtime vs ach).high50 reviewreviewedopen
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $488.15 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopen
2026-09-17 19:31Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $702.25 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopen
2026-09-17 19:31Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $206.22 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopen
2026-09-17 19:31Zburst_then_dormantThe entity made 6 transfers on 2026-08-18 and has been silent for 30 days since.mediumnull unscoredreviewedopen
2026-09-17 19:31Zagent_out_of_scopeAgent Payout Agent (Harbor) moved money on rails outside its declared scope (ach, realtime vs ach).high20 clearreviewedopen
2026-09-17 19:30Zburst_then_dormantThe entity made 5 transfers on 2026-07-20 and has been silent for 58 days since.mediumnull unscoredreviewedopen