Entity · PERSON

Heath Holdings 119

Id: enti_sim_harb_5segmmcp3wf
Program: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-09-01 18:20Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

30n=74

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": 74,
  "alerts": {
    "opened": 9,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 1,
    "unauthorized": 1
  },
  "scoredN": 71,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.11267605633802817,
  "velocityRatio": 1.9384430707531835,
  "confidenceDecay": 1,
  "screeningAgeDays": 16,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 49
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	30	review	74	1.00	ers-v1
2026-09-17 19:31Z	0	clear	37	0.82	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_5d91e6pi9ey	ach outgoing CREDIT	$691.76	SETTLED	0	clear	2238	2026-09-16 01:15Z
acht_sim_harb_20ruic4q9gs	ach outgoing DEBIT	$815.36	SETTLED	0	clear	2235	2026-09-16 00:25Z
rttr_sim_harb_1wy3ry6m9hp	realtime outgoing	$203.27	COMPLETED	0	clear	2195	2026-09-15 23:00Z
acht_sim_harb_clrqaggx9bv	ach outgoing CREDIT	$489.35	SETTLED	0	clear	2217	2026-09-15 05:10Z
acht_sim_harb_151dztt09e8	ach outgoing CREDIT	$331.45	SETTLED	0	clear	2202	2026-09-15 01:35Z
acht_sim_harb_7bh0xyae98v	ach outgoing CREDIT	$602.07	SETTLED	40	review	2165	2026-09-14 02:00Z
acht_sim_harb_4oag90kk96b	ach outgoing DEBIT	$192.72	SETTLED	40	review	2142	2026-09-13 04:29Z
acht_sim_harb_36oxx77r978	ach outgoing DEBIT	$638.85	SETTLED	0	clear	2141	2026-09-13 03:19Z
acht_sim_harb_8qjlpp8s96h	ach outgoing CREDIT	$398.32	SETTLED	10	clear	2127	2026-09-12 23:00Z
acht_sim_harb_gghzx9p90r	ach outgoing CREDIT	$504.09	SETTLED	0	clear	2047	2026-09-10 22:57Z
acht_sim_harb_4sd0nopu8x8	ach outgoing CREDIT	$846.05	SETTLED	0	clear	2037	2026-09-10 04:58Z
acht_sim_harb_bx9g1zsi8yh	ach outgoing DEBIT	$207.79	SETTLED	0	clear	2023	2026-09-10 00:26Z
acht_sim_harb_8r9zpc4o8xb	ach outgoing CREDIT	$390.85	SETTLED	0	clear	2016	2026-09-09 22:17Z
acht_sim_harb_4ckvb0v38y2	ach outgoing CREDIT	$206.58	SETTLED	40	review	2010	2026-09-09 20:06Z
acht_sim_harb_4uqp7nrc8vp	ach outgoing DEBIT	$247.11	SETTLED	40	review	2003	2026-09-09 04:45Z
acht_sim_harb_3eekknhp8vd	ach outgoing DEBIT	$356.04	SETTLED	0	clear	2006	2026-09-09 03:22Z
acht_sim_harb_bk8v4h9u8vv	ach outgoing CREDIT	$197.13	SETTLED	15	clear	1991	2026-09-08 22:41Z
acht_sim_harb_9wkwz0pd8pm	ach outgoing DEBIT	$400.91	SETTLED	15	clear	1930	2026-09-07 04:44Z
acht_sim_harb_lwf8qps8pp	ach outgoing DEBIT	$420.80	SETTLED	0	clear	1912	2026-09-06 22:45Z
acht_sim_harb_6rgc1so48p6	ach outgoing CREDIT	$864.18	MANUAL_REVIEW	15	clear	1882	2026-09-06 22:37Z
acht_sim_harb_88sg0n2e8n4	ach outgoing DEBIT	$781.28	SETTLED	0	clear	1876	2026-09-05 21:53Z
acht_sim_harb_4x373e5n8nd	ach outgoing CREDIT	$230.57	SETTLED	40	review	1866	2026-09-05 20:01Z
acht_sim_harb_rr9acqh8gu	ach outgoing DEBIT	$510.72	SETTLED	0	clear	1832	2026-09-04 05:00Z
acht_sim_harb_1hf8vhg68h3	ach outgoing DEBIT	$614.25	SETTLED	40	review	1817	2026-09-04 02:29Z
acht_sim_harb_at3rprwp8f9	ach outgoing CREDIT	$886.63	SETTLED	15	clear	1800	2026-09-03 03:29Z
acht_sim_harb_6lqehads8at	ach outgoing CREDIT	$699.98	SETTLED	40	review	1756	2026-09-02 03:49Z
acht_sim_harb_46mybct18cp	ach outgoing DEBIT	$648.66	SETTLED	0	clear	1739	2026-09-01 21:03Z
acht_sim_harb_2hlem5vx87w	ach outgoing CREDIT	$525.68	SETTLED	0	clear	1714	2026-08-31 22:24Z
acht_sim_harb_4wds4bot88k	ach outgoing DEBIT	$413.98	SETTLED	10	clear	1710	2026-08-31 21:30Z
acht_sim_harb_bhgcdwm385v	ach outgoing CREDIT	$245.01	SETTLED	0	clear	1706	2026-08-31 05:40Z
acht_sim_harb_4tfkysk886z	ach outgoing CREDIT	$247.22	SETTLED	15	clear	1676	2026-08-30 20:16Z
acht_sim_harb_40z3e6iy7zh	ach outgoing CREDIT	$258.97	SETTLED	15	clear	1600	2026-08-28 00:50Z
acht_sim_harb_9u74axww7wg	ach outgoing DEBIT	$490.40	SETTLED	0	clear	1581	2026-08-27 03:27Z
acht_sim_harb_4sjt2xzt7x7	ach outgoing CREDIT	$214.95	SETTLED	15	clear	1575	2026-08-27 01:08Z
acht_sim_harb_6tj7s0d07sr	ach outgoing CREDIT	$646.00	SETTLED	0	clear	1546	2026-08-26 01:12Z
acht_sim_harb_6ub278ql7rj	ach outgoing DEBIT	$518.89	SETTLED	15	clear	1505	2026-08-25 00:46Z
acht_sim_harb_cm7rd5oo7py	ach outgoing DEBIT	$360.31	SETTLED	40	review	1487	2026-08-24 21:25Z
acht_sim_harb_7en3ml7t7m5	ach outgoing CREDIT	$342.11	SETTLED	0	clear	1441	2026-08-22 23:56Z
acht_sim_harb_8jkga2we7hw	ach outgoing DEBIT	$349.48	SETTLED	0	clear	1398	2026-08-22 00:29Z
acht_sim_harb_7ewlmr9d7c7	ach outgoing DEBIT	$228.99	SETTLED	0	clear	1351	2026-08-20 05:53Z

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 $602.07 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 $192.72 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 $247.11 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 $230.57 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 $614.25 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 $699.98 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 $360.31 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	velocity_spike	Entity velocity spiked: 1 transfers and $857.09 in 24 hours.	medium	null unscored	reviewed	open