Entity · BUSINESS

Birch Holdings 11

Id: enti_sim_harb_8ifdyw433ug
Program: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-08-31 17:59Z
Country: US
Expected rails: ach, realtime

Entity Risk Skoor Report →

Skoor

30n=108

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": 108,
  "alerts": {
    "opened": 5,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 4,
    "unauthorized": 1
  },
  "scoredN": 107,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.056074766355140186,
  "velocityRatio": 1.7904717474818364,
  "confidenceDecay": 1,
  "screeningAgeDays": 17,
  "observationAgeDays": 6,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 60
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	30	review	108	1.00	ers-v1
2026-09-17 19:31Z	15	clear	49	0.97	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_7k7yzyyr9jf	ach outgoing DEBIT	$847.74	SUBMITTED	10	clear	2258	2026-09-17 05:38Z
rttr_sim_harb_60whu47g9jp	realtime outgoing	$294.02	COMPLETED	0	clear	2237	2026-09-16 23:00Z
acht_sim_harb_7yb4jq4u9i5	ach outgoing CREDIT	$292.90	SUBMITTED	0	clear	2237	2026-09-16 22:56Z
acht_sim_harb_769nnuot9gj	ach outgoing DEBIT	$351.78	SETTLED	0	clear	2256	2026-09-16 05:58Z
acht_sim_harb_8nspqxza9hm	ach outgoing CREDIT	$536.68	SETTLED	40	review	2242	2026-09-16 02:05Z
acht_sim_harb_2mv8aw9d9by	ach outgoing DEBIT	$361.69	SETTLED	0	clear	2203	2026-09-15 01:40Z
acht_sim_harb_729l3a2w9cz	ach outgoing CREDIT	$300.37	SETTLED	40	review	2190	2026-09-14 22:07Z
acht_sim_harb_4dpbrmvq9a1	ach outgoing DEBIT	$676.16	SETTLED	15	clear	2152	2026-09-13 21:15Z
rttr_sim_harb_529t4x5991s	realtime outgoing	$698.61	COMPLETED	15	clear	2034	2026-09-10 23:00Z
acht_sim_harb_80nsab298ye	ach outgoing DEBIT	$316.34	SETTLED	0	clear	2038	2026-09-10 05:25Z
acht_sim_harb_cr9cgq6e8wq	ach outgoing CREDIT	$481.44	SETTLED	40	review	2011	2026-09-09 22:03Z
acht_sim_harb_b1v4p4kk8t3	ach outgoing CREDIT	$415.79	SETTLED	10	clear	1955	2026-09-07 21:21Z
acht_sim_harb_1x8413xu9lr	ach outgoing CREDIT	$189.65	SETTLED	10	clear	1948	2026-09-07 15:14Z
acht_sim_harb_5jmr2xdm9lo	ach outgoing CREDIT	$306.23	SETTLED	10	clear	1947	2026-09-07 15:06Z
acht_sim_harb_1eeadfvh9ll	ach outgoing CREDIT	$378.36	SETTLED	10	clear	1946	2026-09-07 14:58Z
acht_sim_harb_172o2bz39li	ach outgoing CREDIT	$228.23	SETTLED	10	clear	1945	2026-09-07 14:50Z
acht_sim_harb_2nco616f9lf	ach outgoing CREDIT	$201.58	SETTLED	50	review	1938	2026-09-07 14:42Z
acht_sim_harb_1lusd5ia9lc	ach outgoing CREDIT	$581.23	SETTLED	10	clear	1943	2026-09-07 14:34Z
acht_sim_harb_3wzdqxv89l9	ach outgoing CREDIT	$606.36	SETTLED	10	clear	1942	2026-09-07 14:26Z
acht_sim_harb_2fdzvw7z9l6	ach outgoing CREDIT	$297.33	SETTLED	20	clear	1941	2026-09-07 14:18Z
acht_sim_harb_a3mcwbu69l3	ach outgoing CREDIT	$267.69	SETTLED	10	clear	1940	2026-09-07 14:10Z
acht_sim_harb_bgsipgso9l0	ach outgoing CREDIT	$653.61	SETTLED	15	clear	1939	2026-09-07 14:02Z
acht_sim_harb_337g3l7c9kx	ach outgoing CREDIT	$710.18	SETTLED	10	clear	1938	2026-09-07 13:54Z
acht_sim_harb_6sw0baiq9ku	ach outgoing CREDIT	$434.51	SETTLED	40	review	1931	2026-09-07 13:46Z
acht_sim_harb_3hk0vsri9kr	ach outgoing CREDIT	$747.29	SETTLED	0	clear	1936	2026-09-07 13:38Z
acht_sim_harb_5jveja6b9ko	ach outgoing CREDIT	$227.37	SETTLED	0	clear	1935	2026-09-07 13:30Z
acht_sim_harb_8zc00s2e8ps	ach outgoing CREDIT	$251.84	SETTLED	15	clear	1925	2026-09-07 02:28Z
acht_sim_harb_7ah3cbcw8hx	ach outgoing CREDIT	$257.90	SETTLED	0	clear	1834	2026-09-04 05:32Z
acht_sim_harb_27ygj59r8i0	ach outgoing CREDIT	$424.07	SETTLED	0	clear	1825	2026-09-04 02:41Z
acht_sim_harb_srcqri28eo	ach outgoing DEBIT	$260.28	SETTLED	15	clear	1802	2026-09-03 03:50Z
acht_sim_harb_chzu8zbu88b	ach outgoing DEBIT	$295.25	SETTLED	0	clear	1722	2026-09-01 01:33Z
acht_sim_harb_y0vfy7486w	ach outgoing DEBIT	$242.02	SETTLED	10	clear	1705	2026-08-31 05:28Z
acht_sim_harb_9sl15ep182k	ach outgoing DEBIT	$452.65	SETTLED	0	clear	1647	2026-08-29 05:46Z
acht_sim_harb_6q6mlssz80t	ach outgoing CREDIT	$481.44	SETTLED	0	clear	1627	2026-08-28 23:09Z
acht_sim_harb_bagwz17k7wj	ach outgoing DEBIT	$586.52	SETTLED	15	clear	1588	2026-08-27 05:53Z
acht_sim_harb_aukic6oz7vv	ach outgoing DEBIT	$207.47	SETTLED	0	clear	1579	2026-08-27 02:46Z
acht_sim_harb_87jnjvsk7vy	ach outgoing DEBIT	$578.01	SETTLED	0	clear	1568	2026-08-26 22:36Z
acht_sim_harb_6ej4izvn7t4	ach outgoing DEBIT	$923.28	SETTLED	0	clear	1561	2026-08-26 05:47Z
acht_sim_harb_811a36gc7sy	ach outgoing CREDIT	$577.18	SETTLED	0	clear	1554	2026-08-26 03:30Z
acht_sim_harb_3xbbljt27v3	ach outgoing CREDIT	$695.43	SETTLED	0	clear	1549	2026-08-26 02:42Z

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 $536.68 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 $300.37 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 $481.44 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 10 transfers and $4,777.41 in 24 hours.	medium	50 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $434.51 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open