Entity · PERSON

Potential Pep 1

Id: enti_sim_harb_azbiyidj3x2
Program: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification: VERIFIED
High risk: no
PEP: potential
Requires screening: no
Review reasons: —
Last screened: 2026-08-16 23:44Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

60n=106

Band

review

Confidence

1.00

Version

ers-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Detail
1	ERS-RET-01 The entity's transfers have drawn unauthorized returns.	`entity.unauthorized_returns`	+30	2 unauthorized return(s) against it
2	ERS-HIS-02 Three in ten or more of the entity's scored transfers landed in the review band.	`entity.review_share`	+15	52% of scored transfers in the review band
3	ERS-SCR-03 The entity has an unresolved potential PEP match.	`entity.pep_potential`	+15	potential PEP match

Signals

Signal	Weight	Detail
entity.pep_potential	+15	potential PEP match
entity.review_share	+15	52% of scored transfers in the review band
entity.unauthorized_returns	+30	2 unauthorized return(s) against it

Inputs

{
  "n": 106,
  "alerts": {
    "opened": 3,
    "clearedByPerson": 0,
    "heldOrEscalated": 2
  },
  "returns": {
    "any": 3,
    "unauthorized": 2
  },
  "scoredN": 104,
  "holdShare": 0.038461538461538464,
  "pepStatus": "potential",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.5192307692307693,
  "velocityRatio": 1.2564094306474114,
  "confidenceDecay": 1,
  "screeningAgeDays": 31,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 59
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	60	review	106	1.00	ers-v1
2026-09-17 19:31Z	15	clear	63	0.98	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 31 points. 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.
entity.pep_potential	15		The entity has an unresolved potential PEP match.

Transfers

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_harb_9tke2dri9j0	ach outgoing CREDIT	$752.88	SUBMITTED	70	hold	2249	2026-09-17 03:05Z
acht_sim_harb_7ewhjw2c9j9	ach outgoing DEBIT	$485.71	SUBMITTED	30	review	2238	2026-09-17 00:02Z
acht_sim_harb_9j96w2rf9fs	ach outgoing CREDIT	$369.48	SETTLED	45	review	2236	2026-09-16 00:57Z
acht_sim_harb_4u5a97qy9eh	ach outgoing DEBIT	$479.47	SETTLED	45	review	2193	2026-09-14 22:45Z
acht_sim_harb_66mmqw169bg	ach outgoing CREDIT	$369.03	SETTLED	40	review	2187	2026-09-14 21:43Z
acht_sim_harb_1oxgolay9ab	ach outgoing CREDIT	$807.45	SETTLED	30	review	2156	2026-09-13 22:08Z
acht_sim_harb_4a5w7eqs9an	ach outgoing CREDIT	$509.38	SETTLED	30	review	2147	2026-09-13 20:48Z
acht_sim_harb_8vg3keat96n	ach outgoing CREDIT	$504.63	SETTLED	30	review	2123	2026-09-12 22:56Z
acht_sim_harb_3gx5xhcl910	ach outgoing CREDIT	$545.25	SETTLED	30	review	2055	2026-09-11 02:57Z
acht_sim_harb_2sr2uiyp8zr	ach outgoing DEBIT	$835.76	SETTLED	70	hold	2041	2026-09-10 22:07Z
acht_sim_harb_dabo7qy8z0	ach outgoing DEBIT	$221.33	SETTLED	45	review	2018	2026-09-10 00:04Z
acht_sim_harb_9vhsejmw8v4	ach outgoing DEBIT	$440.56	SETTLED	40	review	1998	2026-09-09 02:28Z
acht_sim_harb_726pr7jp8s3	ach outgoing CREDIT	$263.65	SETTLED	30	review	1975	2026-09-08 04:26Z
acht_sim_harb_3z1cv2w38s9	ach outgoing CREDIT	$498.74	SETTLED	45	review	1956	2026-09-07 21:27Z
acht_sim_harb_4wrmb52r8q1	ach outgoing CREDIT	$349.02	SETTLED	30	review	1927	2026-09-07 03:21Z
acht_sim_harb_c6u1i5zy8qj	ach outgoing DEBIT	$383.59	SETTLED	30	review	1915	2026-09-07 01:27Z
acht_sim_harb_cei5a3h08md	ach outgoing CREDIT	$652.28	SETTLED	70	hold	1875	2026-09-05 23:46Z
acht_sim_harb_9tin4uet8ky	ach outgoing CREDIT	$736.56	SETTLED	30	review	1857	2026-09-05 03:41Z
acht_sim_harb_1utzy2vq8du	ach outgoing DEBIT	$806.85	SETTLED	30	review	1797	2026-09-03 02:26Z
acht_sim_harb_3mqyfapl8fl	ach outgoing DEBIT	$428.87	SETTLED	70	hold	1795	2026-09-03 02:17Z
acht_sim_harb_aguw9t7m8ae	ach outgoing DEBIT	$756.60	SETTLED	30	review	1752	2026-09-01 23:38Z
acht_sim_harb_cgw6sicg8cg	ach outgoing DEBIT	$924.10	SETTLED	30	review	1747	2026-09-01 22:33Z
acht_sim_harb_3q1joy4y8a0	ach outgoing DEBIT	$263.80	SETTLED	30	review	1727	2026-09-01 01:55Z
acht_sim_harb_gnog3v488n	ach outgoing DEBIT	$611.80	SETTLED	45	review	1720	2026-09-01 01:41Z
acht_sim_harb_9hxmtvtj86g	ach outgoing CREDIT	$675.80	SETTLED	30	review	1696	2026-08-31 05:08Z
acht_sim_harb_7zthfwbv875	ach outgoing CREDIT	$356.71	MANUAL_REVIEW	85	hold	1675	2026-08-31 04:54Z
acht_sim_harb_cmm70rn2841	ach outgoing DEBIT	$525.19	SETTLED	30	review	1671	2026-08-30 03:43Z
acht_sim_harb_bvedt0bc84y	ach outgoing CREDIT	$708.39	SETTLED	30	review	1665	2026-08-30 02:25Z
acht_sim_harb_6clamc2i83d	ach outgoing CREDIT	$360.27	SETTLED	45	review	1653	2026-08-30 01:14Z
acht_sim_harb_46k6utqk81w	ach outgoing DEBIT	$245.67	SETTLED	45	review	1633	2026-08-29 04:03Z
acht_sim_harb_5ih15wpt7wv	ach outgoing DEBIT	$737.74	SETTLED	30	review	1563	2026-08-26 20:07Z
acht_sim_harb_10byy6rx7un	ach outgoing DEBIT	$247.99	RETURNED	70	hold	1549	2026-08-26 03:46Z
acht_sim_harb_5nb9nigo7ta	ach outgoing CREDIT	$782.58	SETTLED	30	review	1538	2026-08-25 22:19Z
acht_sim_harb_3ki164en7pa	ach outgoing DEBIT	$229.59	SETTLED	30	review	1509	2026-08-25 02:14Z
acht_sim_harb_mme6z737pd	ach outgoing DEBIT	$269.75	SETTLED	45	review	1507	2026-08-25 00:50Z
acht_sim_harb_16vsmgd7he	ach outgoing CREDIT	$283.06	SETTLED	30	review	1404	2026-08-22 03:34Z
acht_sim_harb_5osxflev7i2	ach outgoing DEBIT	$427.27	SETTLED	45	review	1392	2026-08-21 22:16Z
acht_sim_harb_7h1i9t5s7fu	ach outgoing DEBIT	$753.24	SETTLED	30	review	1387	2026-08-21 20:36Z
acht_sim_harb_4wbtsvov7fg	ach outgoing CREDIT	$189.51	SETTLED	30	review	1381	2026-08-21 04:49Z
acht_sim_harb_gjd1ozy7ec	ach outgoing CREDIT	$204.29	SETTLED	40	review	1370	2026-08-21 03:55Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	45 review	reviewed	open
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	40 review	reviewed	open
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 70 (hold band) on a $835.76 ach transfer: entity.pep_potential, returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	high	70 hold	reviewed	held
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	45 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	40 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 70 (hold band) on a $652.28 ach transfer: entity.pep_potential, returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	high	70 hold	reviewed	held
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	45 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	45 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	45 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	45 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	40 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	30 review	reviewed	open