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Entity · BUSINESS · agent

Reconciliation Agent (Harbor) agent

Id
enti_sim_harb_7n4e3h7n3xe
Program
898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification
VERIFIED
High risk
no
PEP
no
Requires screening
no
Review reasons
—
Last screened
2026-08-21 18:01Z
Country
US
Expected rails
ach, realtime
Operator entity
none on file
Declared purpose
refund reconciliation
Declared scope
ach

Entity Risk Skoor Report →

Skoor
30n=105
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": 105,
  "alerts": {
    "opened": 4,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 2,
    "unauthorized": 1
  },
  "scoredN": 101,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.04950495049504951,
  "velocityRatio": 1.5391149663184758,
  "confidenceDecay": 1,
  "screeningAgeDays": 27,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 62
}

History

As ofSkoorBandnConfidenceVersion
2026-09-17 19:32Z30review1051.00ers-v1
2026-09-17 19:31Z30review560.98ers-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
65n=105
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
3ARS-OPR-01 No operator entity is on file for the agent.agent.no_operator+15no operator entity on file

Signals

SignalWeightHardDetail
entity.unauthorized_returns+301 unauthorized return(s) against it
agent.no_operator+15no operator entity on file
agent.out_of_scope+20activity on realtime outside declared scope ach

Inputs

{
  "n": 105,
  "base": "ers-v1",
  "scope": [
    "ach"
  ],
  "alerts": {
    "opened": 4,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "purpose": "refund reconciliation",
  "returns": {
    "any": 2,
    "unauthorized": 1
  },
  "scoredN": 101,
  "holdShare": 0,
  "pepStatus": "no",
  "railsUsed": [
    "ach",
    "realtime"
  ],
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.04950495049504951,
  "velocityRatio": 1.5391149663184758,
  "confidenceDecay": 1,
  "operatorEntityId": null,
  "screeningAgeDays": 27,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 62
}

History

As ofSkoorBandnConfidenceVersion
2026-09-17 19:32Z65review1051.00ars-v1
2026-09-17 19:31Z65review560.98ars-v1
2026-09-17 19:30Znullunscored0nullars-v1

Transfers

TransferRailAmountStatusSkoorBandnCreated
acht_sim_harb_mbsjvmv9htach outgoing DEBIT$425.84SUBMITTED40review22582026-09-17 05:01Z
acht_sim_harb_8qwn48de9iyach outgoing DEBIT$583.26SUBMITTED15clear22582026-09-17 03:42Z
acht_sim_harb_9l09knnj9i3ach outgoing CREDIT$468.71SUBMITTED0clear22382026-09-16 23:04Z
acht_sim_harb_4keh46gs9hvach outgoing DEBIT$468.47SUBMITTED40review22302026-09-16 20:25Z
acht_sim_harb_cnmzh46h9evach outgoing DEBIT$400.24SETTLED10clear22532026-09-16 04:49Z
acht_sim_harb_6n6292n69g1ach outgoing CREDIT$267.42SETTLED40review22262026-09-15 21:21Z
acht_sim_harb_52c7gytl9bmach outgoing CREDIT$530.17SETTLED55review21852026-09-14 21:30Z
acht_sim_harb_2wu0rr4i98bach outgoing CREDIT$322.74SETTLED0clear21142026-09-12 20:48Z
acht_sim_harb_6wvnws3095bach outgoing CREDIT$633.68SETTLED0clear21112026-09-12 20:12Z
acht_sim_harb_j4o2rt7936ach outgoing CREDIT$272.98SETTLED0clear20952026-09-12 02:35Z
acht_sim_harb_2wa880x4920ach outgoing CREDIT$216.31SETTLED0clear20772026-09-11 21:43Z
acht_sim_harb_aagu45ak94lach outgoing CREDIT$699.16SETTLED15clear20762026-09-11 21:30Z
acht_sim_harb_3unpvkys8w5ach outgoing CREDIT$202.78SETTLED0clear19982026-09-09 01:10Z
acht_sim_harb_briey55o8toach outgoing DEBIT$825.97SETTLED40review19782026-09-08 04:33Z
acht_sim_harb_9altj0rs8uaach outgoing CREDIT$595.10SETTLED0clear19792026-09-08 04:25Z
acht_sim_harb_wutfhw18scach outgoing CREDIT$496.27SETTLED0clear19532026-09-07 21:03Z
acht_sim_harb_cbnuihbp8q7ach outgoing CREDIT$551.03SETTLED0clear19102026-09-06 22:17Z
acht_sim_harb_5nztn24w8oaach outgoing DEBIT$592.13SETTLED0clear18782026-09-05 22:11Z
acht_sim_harb_21ncwbde8j4ach outgoing DEBIT$240.66SETTLED40review18592026-09-05 04:47Z
acht_sim_harb_1nln0h58kbach outgoing DEBIT$430.55HOLD5clear18172026-09-04 22:03Z
acht_sim_harb_je3zn2e8b5ach outgoing CREDIT$222.13SETTLED15clear17532026-09-02 00:02Z
acht_sim_harb_8sxm30bb89bach outgoing DEBIT$277.33SETTLED0clear17132026-08-31 22:17Z
acht_sim_harb_bpq5rsmq8a9ach outgoing CREDIT$552.44SETTLED0clear17122026-08-31 22:10Z
acht_sim_harb_7s9arij887iach outgoing DEBIT$337.92SETTLED0clear16992026-08-31 05:00Z
acht_sim_harb_5743z34787oach outgoing CREDIT$257.88SETTLED10clear16802026-08-30 20:42Z
acht_sim_harb_aqpqykom82hach outgoing DEBIT$269.93SETTLED15clear16422026-08-29 04:34Z
acht_sim_harb_4lvw82b81tach outgoing CREDIT$325.62SETTLED0clear16382026-08-29 03:19Z
rttr_sim_harb_7gzli3pk82trealtime outgoing$824.51COMPLETED0clear16072026-08-28 23:00Z
acht_sim_harb_2rtf7f4s808ach outgoing DEBIT$926.68SETTLED0clear16172026-08-28 05:02Z
acht_sim_harb_636tonto80kach outgoing CREDIT$466.05SETTLED15clear16152026-08-28 04:20Z
acht_sim_harb_axvor0zr7zaach outgoing CREDIT$298.32SETTLED15clear16042026-08-28 01:27Z
acht_sim_harb_13wiocdc805ach outgoing CREDIT$895.68SETTLED15clear15972026-08-27 23:49Z
acht_sim_harb_2z9srqtj7wyach outgoing CREDIT$257.03SETTLED15clear15842026-08-27 04:22Z
acht_sim_harb_57i24m897xdach outgoing CREDIT$202.70SETTLED0clear15802026-08-27 02:52Z
acht_sim_harb_1kyxpg2u7qsach outgoing DEBIT$280.22SETTLED10clear15322026-08-25 05:53Z
acht_sim_harb_7qkoaefm7q7ach outgoing CREDIT$220.84SETTLED15clear15162026-08-25 02:13Z
acht_sim_harb_a7ajk1p77s4ach outgoing CREDIT$812.77SETTLED40review15052026-08-25 01:22Z
acht_sim_harb_8cpef9rm7qvach outgoing CREDIT$896.15SETTLED0clear15022026-08-24 23:52Z
acht_sim_harb_3hua5gh37rpach outgoing CREDIT$595.86SETTLED0clear15012026-08-24 23:40Z
acht_sim_harb_2arcl9pm7o7ach outgoing DEBIT$288.45SETTLED0clear14882026-08-24 04:31Z

Alerts on this entity and its transfers

OpenedDetectorSummarySeveritySkoorRouteStatus
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $267.42 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopen
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 55 (review band) on a $530.17 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.medium55 reviewreviewedopen
2026-09-17 19:31Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $825.97 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopen
2026-09-17 19:31Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $240.66 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopen
2026-09-17 19:31Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $812.77 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopen
2026-09-17 19:31Zagent_out_of_scopeAgent Reconciliation Agent (Harbor) moved money on rails outside its declared scope (ach, realtime vs ach).high65 reviewreviewedopen
2026-09-17 19:31Zvelocity_spikeEntity velocity spiked: 6 transfers and $3,356.46 in 24 hours.medium25 clearreviewedopen
2026-09-17 19:30Zburst_then_dormantThe entity made 6 transfers on 2026-08-11 and has been silent for 37 days since.mediumnull unscoredreviewedopen