Entity · PERSON

Larch Studio 111

Id: enti_sim_harb_cogz0d6k3vk
Program: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-08-21 15:52Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

30n=71

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": 71,
  "alerts": {
    "opened": 9,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 2,
    "unauthorized": 1
  },
  "scoredN": 68,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.1323529411764706,
  "velocityRatio": 1.3998250837036317,
  "confidenceDecay": 1,
  "screeningAgeDays": 27,
  "observationAgeDays": 5,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 48
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	30	review	71	1.00	ers-v1
2026-09-17 19:31Z	30	review	35	0.80	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_t35fm7i9hr	ach outgoing DEBIT	$319.55	SUBMITTED	55	review	2249	2026-09-17 03:22Z
acht_sim_harb_9phj2bz39ib	ach outgoing DEBIT	$268.12	SUBMITTED	15	clear	2249	2026-09-17 03:02Z
acht_sim_harb_5tzsvjy59gp	ach outgoing CREDIT	$251.49	SETTLED	15	clear	2246	2026-09-16 03:07Z
acht_sim_harb_107s1he79cd	ach outgoing CREDIT	$239.07	SETTLED	15	clear	2206	2026-09-15 02:03Z
acht_sim_harb_a31g1dx798m	ach outgoing DEBIT	$730.03	SETTLED	15	clear	2154	2026-09-13 21:45Z
acht_sim_harb_9rnh2crn93c	ach outgoing CREDIT	$191.29	SETTLED	25	clear	2108	2026-09-12 05:40Z
acht_sim_harb_2hkxvltx923	ach outgoing DEBIT	$445.29	SETTLED	55	review	2105	2026-09-12 05:15Z
acht_sim_harb_253holxp93x	ach outgoing CREDIT	$602.44	SETTLED	55	review	2073	2026-09-11 21:28Z
acht_sim_harb_bragvv9q909	ach outgoing CREDIT	$666.81	SETTLED	15	clear	2066	2026-09-11 05:52Z
acht_sim_harb_3uaw3tq68zo	ach outgoing CREDIT	$215.53	SETTLED	55	review	2052	2026-09-11 01:53Z
acht_sim_harb_5cs10pbq8xk	ach outgoing CREDIT	$338.80	SETTLED	55	review	2030	2026-09-10 03:30Z
acht_sim_harb_55kdn8m18v1	ach outgoing DEBIT	$598.55	SETTLED	15	clear	1988	2026-09-08 20:38Z
acht_sim_harb_az924d8m8sx	ach outgoing DEBIT	$238.63	SETTLED	30	review	1981	2026-09-08 05:59Z
acht_sim_harb_4uc1wvd38si	ach outgoing DEBIT	$420.24	SETTLED	15	clear	1958	2026-09-07 21:55Z
acht_sim_harb_1n73ur078t0	ach outgoing CREDIT	$620.16	SETTLED	55	review	1944	2026-09-07 20:37Z
acht_sim_harb_5ztt28h18qa	ach outgoing DEBIT	$528.22	SETTLED	15	clear	1918	2026-09-07 00:32Z
acht_sim_harb_2nshjuif8or	ach outgoing CREDIT	$295.75	SETTLED	25	clear	1909	2026-09-06 22:11Z
acht_sim_harb_1evipau98oo	ach outgoing CREDIT	$201.88	SETTLED	25	clear	1902	2026-09-06 20:12Z
acht_sim_harb_210k61rx8h9	ach outgoing DEBIT	$801.19	SETTLED	15	clear	1813	2026-09-04 00:06Z
acht_sim_harb_3mnsq8cp8d3	ach outgoing CREDIT	$425.36	SETTLED	55	review	1778	2026-09-03 00:12Z
acht_sim_harb_7xkhxht48el	ach outgoing CREDIT	$235.72	SETTLED	15	clear	1778	2026-09-02 21:37Z
acht_sim_harb_343dmfci87c	ach outgoing DEBIT	$192.84	SETTLED	30	review	1680	2026-08-30 22:38Z
acht_sim_harb_1huuotw67zk	ach outgoing DEBIT	$638.15	SETTLED	15	clear	1618	2026-08-28 05:43Z
acht_sim_harb_9xqiay2r7zw	ach outgoing CREDIT	$706.59	SETTLED	15	clear	1616	2026-08-28 04:23Z
acht_sim_harb_2wzwmq8b7yd	ach outgoing DEBIT	$407.16	SETTLED	15	clear	1610	2026-08-28 03:35Z
acht_sim_harb_4p8qc1d980e	ach outgoing DEBIT	$198.94	SETTLED	15	clear	1609	2026-08-28 03:32Z
acht_sim_harb_bivppnn27vm	ach outgoing DEBIT	$532.64	SETTLED	30	review	1561	2026-08-26 20:48Z
acht_sim_harb_b6cgle207ue	ach outgoing CREDIT	$705.80	SETTLED	15	clear	1534	2026-08-25 20:45Z
acht_sim_harb_46ft6e9q7sa	ach outgoing CREDIT	$230.99	SETTLED	15	clear	1525	2026-08-25 03:02Z
acht_sim_harb_bnh1t8bh7mr	ach outgoing DEBIT	$596.35	SETTLED	15	clear	1485	2026-08-24 03:27Z
acht_sim_harb_ajuv1nb77o4	ach outgoing CREDIT	$242.34	SETTLED	30	review	1475	2026-08-23 22:38Z
acht_sim_harb_9pbcla2q7jo	ach outgoing CREDIT	$229.58	SETTLED	15	clear	1454	2026-08-23 02:38Z
acht_sim_harb_2hkpfq7d7kf	ach outgoing DEBIT	$361.14	RETURNED	10	clear	1437	2026-08-22 23:02Z
acht_sim_harb_1hfhibc07f1	ach outgoing CREDIT	$656.63	SETTLED	0	clear	1375	2026-08-21 03:19Z
acht_sim_harb_3cpuo9f07d0	ach outgoing DEBIT	$433.78	SETTLED	0	clear	1359	2026-08-20 21:11Z
acht_sim_harb_2pyadzkv7bs	ach outgoing CREDIT	$289.29	SETTLED	0	clear	1320	2026-08-19 21:49Z
acht_sim_harb_5mhso0br78r	ach outgoing CREDIT	$628.36	SETTLED	0	clear	1303	2026-08-19 03:52Z
acht_sim_harb_tdbuc7l76z	ach outgoing DEBIT	$384.60	SETTLED	0	clear	1282	2026-08-18 21:05Z
acht_sim_harb_bj7szjld742	ach outgoing CREDIT	$351.35	SETTLED	0	clear	1250	2026-08-17 23:45Z
acht_sim_harb_agijrwkf6z3	ach outgoing CREDIT	$556.56	SETTLED	15	clear	1176	2026-08-16 01:08Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $445.29 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $602.44 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $215.53 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $338.80 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $238.63 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $620.16 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $425.36 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $192.84 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $532.64 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open