Entity · BUSINESS

High Risk Trading 1

Id: enti_sim_harb_skonrvy3x6
Program: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification: VERIFIED
High risk: yes
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-08-27 13:10Z
Country: US
Expected rails: ach, realtime

Entity Risk Skoor Report →

Skoor

75n=38

Band

hold

Confidence

0.86

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	1 unauthorized return(s) against it
2	ERS-SCR-01 Screening marked the entity as high risk.	`entity.high_risk`	+20	marked high risk by screening
3	ERS-RET-02 The entity's return rate is above five percent.	`entity.return_rate`	+15	return rate 3/38

Signals

Signal	Weight	Detail
entity.high_risk	+20	marked high risk by screening
entity.unauthorized_returns	+30	1 unauthorized return(s) against it
entity.return_rate	+15	return rate 3/38
entity.velocity	+10	last 30 days 2.1× its prior monthly volume

Inputs

{
  "n": 38,
  "alerts": {
    "opened": 1,
    "clearedByPerson": 0,
    "heldOrEscalated": 1
  },
  "returns": {
    "any": 3,
    "unauthorized": 1
  },
  "scoredN": 35,
  "holdShare": 0.02857142857142857,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": true,
  "windowDays": 90,
  "reviewShare": 0.2571428571428571,
  "velocityRatio": 2.135165751855947,
  "confidenceDecay": 1,
  "screeningAgeDays": 21,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 31
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	75	hold	38	0.86	ers-v1
2026-09-17 19:31Z	35	review	19	0.63	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 hold band, and the re-screen cadence. A bank sets its own numbers; these are the defaults.

Per transaction: $0.00
Per day: $0.00
Per month: $0.00
Re-screen every: 7 days

What unlocks the next band

From hold to review: shed 6 points. At review the caps become $10,000.00 per transaction, $50,000.00 per day, $500,000.00 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_3gj818km9jb	ach outgoing CREDIT	$377.43	SUBMITTED	30	review	2258	2026-09-17 03:32Z
acht_sim_harb_3s73e88g9h1	ach outgoing CREDIT	$592.80	SETTLED	20	clear	2224	2026-09-15 21:12Z
acht_sim_harb_1rf59phk9b5	ach outgoing CREDIT	$801.82	SETTLED	30	review	2180	2026-09-14 05:54Z
acht_sim_harb_cpx8gwk197w	ach outgoing CREDIT	$761.21	SETTLED	20	clear	2122	2026-09-12 22:30Z
acht_sim_harb_5mjatvj5946	ach outgoing CREDIT	$666.69	SETTLED	20	clear	2100	2026-09-12 04:31Z
acht_sim_harb_97duih6c94c	ach outgoing CREDIT	$215.12	SETTLED	20	clear	2069	2026-09-11 20:24Z
acht_sim_harb_8yd1sg7h90f	ach outgoing CREDIT	$414.42	SETTLED	20	clear	2060	2026-09-11 04:04Z
acht_sim_harb_83wkmpio8yz	ach outgoing DEBIT	$457.55	MANUAL_REVIEW	35	review	1993	2026-09-09 20:45Z
acht_sim_harb_acdp689o8ki	ach outgoing DEBIT	$470.64	SETTLED	20	clear	1849	2026-09-05 01:41Z
acht_sim_harb_1hjs04iv8ii	ach outgoing CREDIT	$207.83	SETTLED	20	clear	1810	2026-09-04 01:27Z
acht_sim_harb_4jc3r3fi8j3	ach outgoing DEBIT	$253.13	MANUAL_REVIEW	50	review	1790	2026-09-03 21:47Z
acht_sim_harb_34m0nxrp85m	ach outgoing CREDIT	$831.58	SETTLED	35	review	1689	2026-08-31 02:14Z
acht_sim_harb_1bi9fzzl82y	ach outgoing DEBIT	$228.02	SETTLED	35	review	1660	2026-08-30 03:00Z
acht_sim_harb_b77zwczf81n	ach outgoing DEBIT	$204.13	SETTLED	20	clear	1633	2026-08-29 02:42Z
acht_sim_harb_axtwjs0l7xr	ach outgoing CREDIT	$401.85	HOLD	25	clear	1590	2026-08-28 05:47Z
acht_sim_harb_af8pf8z57xy	ach outgoing CREDIT	$378.08	SETTLED	20	clear	1603	2026-08-28 02:18Z
acht_sim_harb_4qah8svu7mu	ach outgoing DEBIT	$747.16	SETTLED	35	review	1482	2026-08-24 01:51Z
acht_sim_harb_1zf7xk637lt	ach outgoing CREDIT	$347.94	SETTLED	20	clear	1462	2026-08-23 04:19Z
acht_sim_harb_6miq9ue67ef	ach outgoing CREDIT	$677.72	RETURNED	20	clear	1378	2026-08-21 04:48Z
acht_sim_harb_b9ughtq97dc	ach outgoing CREDIT	$816.50	SETTLED	35	review	1374	2026-08-21 02:09Z
acht_sim_harb_3gjbb7kq7af	ach outgoing CREDIT	$357.70	SETTLED	20	clear	1344	2026-08-20 04:49Z
acht_sim_harb_9nd24tgn783	ach outgoing DEBIT	$214.08	SETTLED	20	clear	1307	2026-08-19 04:52Z
acht_sim_harb_7vvrk1of70i	ach outgoing CREDIT	$227.11	SETTLED	20	clear	1199	2026-08-16 21:23Z
acht_sim_harb_c0qigw9i6xr	ach outgoing DEBIT	$410.92	SETTLED	20	clear	1183	2026-08-16 04:43Z
acht_sim_harb_29gdzg2f6q6	ach outgoing CREDIT	$344.90	SETTLED	60	review	1086	2026-08-13 00:32Z
acht_sim_harb_1esf4uvn6ez	ach outgoing DEBIT	$429.55	SETTLED	20	clear	950	2026-08-08 20:49Z
acht_sim_harb_aqx387br6bc	ach outgoing DEBIT	$198.58	SETTLED	20	clear	895	2026-08-06 21:36Z
acht_sim_harb_56ewy3mr65h	ach outgoing CREDIT	$493.22	RETURNED	75	hold	827	2026-08-04 21:28Z
acht_sim_harb_32rdowfx63d	ach outgoing DEBIT	$415.48	SETTLED	20	clear	821	2026-08-04 20:28Z
acht_sim_harb_a0s61xc75rx	ach outgoing DEBIT	$784.78	SETTLED	20	clear	687	2026-07-31 02:48Z
acht_sim_harb_81whrf195qh	ach outgoing CREDIT	$752.05	SETTLED	30	review	674	2026-07-30 23:18Z
acht_sim_harb_c97xx6975m3	ach outgoing CREDIT	$512.76	SETTLED	20	clear	615	2026-07-29 01:51Z
acht_sim_harb_4vsjcy6h5jl	ach outgoing CREDIT	$487.14	SETTLED	35	review	589	2026-07-28 04:53Z
acht_sim_harb_bn6rwblq557	ach outgoing CREDIT	$314.00	SETTLED	20	clear	421	2026-07-23 03:28Z
acht_sim_harb_6lzjutnk4sj	ach outgoing CREDIT	$633.75	SETTLED	20	clear	280	2026-07-19 01:23Z
acht_sim_harb_66tynfmi4n2	ach outgoing CREDIT	$428.72	COMPLETED	20	clear	230	2026-07-17 03:26Z
acht_sim_harb_5wvskf654iz	ach outgoing CREDIT	$272.18	COMPLETED	20	clear	212	2026-07-16 05:46Z
acht_sim_harb_9kxiel4z4gk	ach outgoing CREDIT	$240.07	RETURNED	20	clear	169	2026-07-15 01:39Z
acht_sim_harb_6uujxysh427	ach outgoing CREDIT	$349.09	COMPLETED	null	unscored	28	2026-07-10 20:54Z
acht_sim_harb_9ppjfc5j42f	ach outgoing DEBIT	$363.68	COMPLETED	null	unscored	26	2026-07-10 20:23Z

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 no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	30 review	reviewed	open
2026-09-17 19:32Z	entity_hold	Entity High Risk Trading 1 entered the hold band (Skoor 75, n=38): entity.high_risk, entity.unauthorized_returns, entity.return_rate, entity.velocity.	high	75 hold	reviewed	held
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	35 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	35 review	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:30Z	skoor_hold	Transaction Risk Skoor 75 (hold band) on a $493.22 ach transfer: entity.high_risk, returns.counterparty_prior_unauthorized, geo.outside_declared_countries.	high	75 hold	reviewed	held
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	30 review	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	35 review	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	20 clear	reviewed	open