Entity · PERSON

Fern Studio 117

Id: enti_sim_harb_ax0fq0ns3w8
Program: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-08-29 06:30Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

30n=98

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": 98,
  "alerts": {
    "opened": 2,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 2,
    "unauthorized": 1
  },
  "scoredN": 95,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.010526315789473684,
  "velocityRatio": 1.3933943068112689,
  "confidenceDecay": 1,
  "screeningAgeDays": 19,
  "observationAgeDays": 5,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 60
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	30	review	98	1.00	ers-v1
2026-09-17 19:31Z	30	review	52	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_bf6tm9ql9dw	ach outgoing DEBIT	$283.14	SETTLED	40	review	2215	2026-09-15 03:36Z
acht_sim_harb_3a2mqb169dz	ach outgoing CREDIT	$256.80	SETTLED	0	clear	2209	2026-09-15 02:31Z
acht_sim_harb_algxexvd99m	ach outgoing CREDIT	$554.93	SETTLED	0	clear	2155	2026-09-13 21:52Z
acht_sim_harb_76pliqif92r	ach outgoing CREDIT	$298.44	SETTLED	15	clear	2106	2026-09-12 05:07Z
acht_sim_harb_4gu938bq94o	ach outgoing CREDIT	$482.70	SETTLED	0	clear	2074	2026-09-11 21:27Z
acht_sim_harb_5mcxrrds8yb	ach outgoing CREDIT	$224.30	SETTLED	0	clear	2032	2026-09-10 03:10Z
acht_sim_harb_344te6gf8s6	ach outgoing DEBIT	$917.57	SETTLED	40	review	1945	2026-09-07 20:46Z
acht_sim_harb_37nsjxar8lq	ach outgoing CREDIT	$414.56	SETTLED	10	clear	1870	2026-09-05 05:31Z
acht_sim_harb_4gnozjtc8h0	ach outgoing CREDIT	$229.33	SETTLED	10	clear	1827	2026-09-04 03:27Z
acht_sim_harb_5ldvi4dp8hl	ach outgoing CREDIT	$459.71	SETTLED	0	clear	1826	2026-09-04 02:44Z
acht_sim_harb_b53b7hau8ho	ach outgoing CREDIT	$410.28	SETTLED	10	clear	1814	2026-09-04 00:32Z
acht_sim_harb_cbhelmh38hu	ach outgoing CREDIT	$537.39	SETTLED	0	clear	1806	2026-09-03 21:16Z
acht_sim_harb_1wk4nw1t8dr	ach outgoing CREDIT	$867.04	SETTLED	15	clear	1780	2026-09-02 22:09Z
acht_sim_harb_73bus9ii8fi	ach outgoing CREDIT	$237.29	SETTLED	15	clear	1776	2026-09-02 21:33Z
acht_sim_harb_a6osqtk88az	ach outgoing CREDIT	$300.22	SETTLED	15	clear	1737	2026-09-01 20:34Z
acht_sim_harb_4stvspht888	ach outgoing CREDIT	$714.65	SETTLED	0	clear	1725	2026-09-01 01:39Z
rttr_sim_harb_87m6fgvx8ac	realtime outgoing	$223.12	COMPLETED	0	clear	1698	2026-08-31 23:00Z
acht_sim_harb_8t89eoi986j	ach outgoing CREDIT	$290.44	SETTLED	0	clear	1701	2026-08-31 05:08Z
acht_sim_harb_3ttrhvxq86m	ach outgoing DEBIT	$330.31	SETTLED	15	clear	1692	2026-08-31 00:37Z
acht_sim_harb_9r3sy500861	ach outgoing DEBIT	$660.78	SETTLED	0	clear	1683	2026-08-30 21:06Z
acht_sim_harb_3ep6lijc84s	ach outgoing CREDIT	$294.79	SETTLED	15	clear	1668	2026-08-30 03:03Z
acht_sim_harb_cl7gs5v784g	ach outgoing CREDIT	$877.42	SETTLED	15	clear	1663	2026-08-30 01:32Z
acht_sim_harb_76xzw0u0812	ach outgoing DEBIT	$701.59	SETTLED	0	clear	1633	2026-08-29 01:57Z
acht_sim_harb_32faamr580q	ach outgoing DEBIT	$297.80	SETTLED	0	clear	1623	2026-08-28 22:01Z
acht_sim_harb_5ieaco9p7yg	ach outgoing DEBIT	$339.61	SETTLED	15	clear	1619	2026-08-28 05:49Z
acht_sim_harb_axbdabhd80b	ach outgoing DEBIT	$331.06	SETTLED	0	clear	1589	2026-08-27 20:22Z
acht_sim_harb_1kkz06z67xa	ach outgoing CREDIT	$868.85	SETTLED	0	clear	1578	2026-08-27 02:38Z
acht_sim_harb_5qrmmo0q7w7	ach outgoing CREDIT	$643.86	SETTLED	0	clear	1576	2026-08-27 02:18Z
acht_sim_harb_arh0t4x77wd	ach outgoing CREDIT	$377.98	SETTLED	0	clear	1573	2026-08-27 01:04Z
acht_sim_harb_btrm03bx7qd	ach outgoing CREDIT	$587.46	SETTLED	0	clear	1518	2026-08-25 02:20Z
acht_sim_harb_bkjeobud7qa	ach outgoing DEBIT	$369.06	SETTLED	0	clear	1504	2026-08-25 00:10Z
acht_sim_harb_24w01uj57n0	ach outgoing DEBIT	$757.88	SETTLED	0	clear	1491	2026-08-24 05:37Z
acht_sim_harb_44a666od7ny	ach outgoing CREDIT	$460.46	SETTLED	0	clear	1482	2026-08-24 02:27Z
acht_sim_harb_8dn2t97k7o1	ach outgoing CREDIT	$210.58	SETTLED	0	clear	1477	2026-08-24 00:07Z
acht_sim_harb_by8do78w7mi	ach outgoing CREDIT	$732.31	SETTLED	10	clear	1442	2026-08-23 00:00Z
acht_sim_harb_3dw793sm7kv	ach outgoing CREDIT	$460.46	SETTLED	0	clear	1430	2026-08-22 21:34Z
acht_sim_harb_46dqyvxz7ju	ach outgoing CREDIT	$679.74	SETTLED	15	clear	1426	2026-08-22 21:03Z
acht_sim_harb_aw2w0lq57di	ach outgoing CREDIT	$205.51	SETTLED	0	clear	1382	2026-08-21 05:13Z
acht_sim_harb_2igewhgo7d6	ach outgoing DEBIT	$411.52	SETTLED	0	clear	1373	2026-08-21 02:13Z
acht_sim_harb_4gz661qa7cm	ach outgoing CREDIT	$275.01	SETTLED	0	clear	1338	2026-08-20 02:36Z

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 $283.14 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:32Z	velocity_spike	Entity velocity spiked: 1 transfers and $299.89 in 24 hours.	medium	null unscored	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $917.57 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	velocity_spike	Entity velocity spiked: 2 transfers and $1,074.77 in 24 hours.	medium	null unscored	reviewed	open