Entity · BUSINESS

Birch Holdings 31

Id: enti_sim_lant_5ii7h7ipcga
Program: 180938aa-f565-4063-8da7-da29139b126f
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-08-18 09:52Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

10n=56

Band

clear

Confidence

1.00

Version

ers-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	ERS-VEL-01 The entity's volume in the last 30 days is more than twice its prior monthly volume.	`entity.velocity`	+10		last 30 days 2.6× its prior monthly volume

Signals

Signal	Weight	Hard	Detail
entity.velocity	+10		last 30 days 2.6× its prior monthly volume

Inputs

{
  "n": 56,
  "alerts": {
    "opened": 4,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 0,
    "unauthorized": 0
  },
  "scoredN": 56,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.125,
  "velocityRatio": 2.5977827937285163,
  "confidenceDecay": 1,
  "screeningAgeDays": 30,
  "observationAgeDays": 5,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 37
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	10	clear	56	1.00	ers-v1
2026-09-17 19:31Z	0	clear	20	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 clear band, and the re-screen cadence. A bank sets its own numbers; these are the defaults.

Per transaction: $100,000.00
Per day: $500,000.00
Per month: $10,000,000.00
Re-screen every: 90 days

What unlocks the next band

Already in the clear band: the widest caps on the ladder. Staying there means none of the signals above return.

Transfers

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_lant_ajbzn3ueeil	ach outgoing CREDIT	$2,430.86	SUBMITTED	0	clear	816	2026-09-17 03:47Z
acht_sim_lant_9ojsel9tefz	ach outgoing DEBIT	$2,165.46	SETTLED	0	clear	795	2026-09-14 04:05Z
acht_sim_lant_29sx7ixbee8	ach outgoing DEBIT	$1,399.40	SETTLED	0	clear	766	2026-09-11 23:13Z
acht_sim_lant_aixhjfjqeas	ach outgoing CREDIT	$659.82	SETTLED	40	review	725	2026-09-09 00:29Z
acht_sim_lant_b4hukv15e8p	ach outgoing CREDIT	$1,829.80	SETTLED	0	clear	711	2026-09-07 02:09Z
acht_sim_lant_9ewa3lwye87	ach outgoing DEBIT	$1,860.56	SETTLED	0	clear	690	2026-09-05 20:47Z
acht_sim_lant_96hq7xnxe7g	ach outgoing DEBIT	$612.22	SETTLED	10	clear	686	2026-09-05 02:23Z
acht_sim_lant_5jetsiuse59	ach outgoing DEBIT	$710.24	SETTLED	0	clear	653	2026-09-02 20:52Z
acht_sim_lant_cedr3p94e46	ach outgoing CREDIT	$1,304.79	SETTLED	0	clear	638	2026-09-01 22:43Z
acht_sim_lant_48jry3vae2i	ach outgoing DEBIT	$1,685.56	SETTLED	0	clear	633	2026-09-01 04:17Z
acht_sim_lant_2e7enh6ve33	ach outgoing DEBIT	$714.75	SETTLED	40	review	624	2026-08-31 22:21Z
acht_sim_lant_3nlbrh86e1r	ach outgoing DEBIT	$693.00	SETTLED	10	clear	612	2026-08-30 22:09Z
acht_sim_lant_arc5hx75ekh	ach outgoing CREDIT	$1,992.04	SETTLED	20	clear	609	2026-08-30 07:07Z
acht_sim_lant_3tp1th55eke	ach outgoing CREDIT	$743.25	SETTLED	50	review	608	2026-08-30 06:59Z
acht_sim_lant_aauvzslekb	ach outgoing CREDIT	$717.18	SETTLED	20	clear	607	2026-08-30 06:51Z
acht_sim_lant_5efgy4t0ek8	ach outgoing CREDIT	$2,041.84	SETTLED	20	clear	606	2026-08-30 06:43Z
acht_sim_lant_4tvvdmv2ek5	ach outgoing CREDIT	$1,660.33	SETTLED	50	review	605	2026-08-30 06:35Z
acht_sim_lant_ahx09d1eek2	ach outgoing CREDIT	$1,054.14	SETTLED	10	clear	604	2026-08-30 06:27Z
acht_sim_lant_7yrkmyo9ejz	ach outgoing CREDIT	$1,385.05	SETTLED	20	clear	603	2026-08-30 06:19Z
acht_sim_lant_f00kyviejw	ach outgoing CREDIT	$1,367.45	SETTLED	10	clear	602	2026-08-30 06:11Z
acht_sim_lant_7o38mn0uejt	ach outgoing CREDIT	$1,005.04	SETTLED	40	review	601	2026-08-30 06:03Z
acht_sim_lant_r0t9775ejq	ach outgoing CREDIT	$835.91	SETTLED	10	clear	600	2026-08-30 05:55Z
acht_sim_lant_a0lqr8osejn	ach outgoing CREDIT	$1,533.08	SETTLED	40	review	599	2026-08-30 05:47Z
acht_sim_lant_8rwzqqudejk	ach outgoing CREDIT	$1,799.09	SETTLED	10	clear	597	2026-08-30 05:39Z
acht_sim_lant_56s0qmq3ejh	ach outgoing CREDIT	$618.91	SETTLED	0	clear	596	2026-08-30 05:31Z
acht_sim_lant_5gxcp92aeje	ach outgoing CREDIT	$1,341.88	SETTLED	10	clear	595	2026-08-30 05:23Z
acht_sim_lant_a8018755dz6	ach outgoing DEBIT	$1,297.93	SETTLED	0	clear	575	2026-08-28 05:36Z
acht_sim_lant_aek6wov0dxy	ach outgoing CREDIT	$829.77	SETTLED	0	clear	559	2026-08-27 01:18Z
acht_sim_lant_c1wfzm6tdwy	ach outgoing DEBIT	$691.98	SETTLED	0	clear	551	2026-08-26 04:58Z
acht_sim_lant_2jxgeijedw1	ach outgoing DEBIT	$1,358.81	SETTLED	0	clear	534	2026-08-24 22:07Z
acht_sim_lant_5c55806kdur	ach outgoing CREDIT	$1,877.31	SETTLED	0	clear	517	2026-08-23 02:29Z
acht_sim_lant_1s5dipgwdtb	ach outgoing DEBIT	$548.10	SETTLED	0	clear	510	2026-08-22 04:52Z
acht_sim_lant_45bczpejdsh	ach outgoing CREDIT	$1,005.58	SETTLED	0	clear	494	2026-08-21 00:55Z
acht_sim_lant_3a9n4o4dds5	ach outgoing CREDIT	$1,299.73	SETTLED	0	clear	491	2026-08-20 21:53Z
acht_sim_lant_33gv1yp1dpe	ach outgoing CREDIT	$2,044.35	SETTLED	0	clear	459	2026-08-18 03:32Z
acht_sim_lant_24s6io95dne	ach outgoing CREDIT	$899.40	SETTLED	0	clear	435	2026-08-15 23:04Z
acht_sim_lant_8lhytzhmdme	ach outgoing DEBIT	$1,187.51	SETTLED	0	clear	429	2026-08-15 05:36Z
acht_sim_lant_3u2346nmdmt	ach outgoing DEBIT	$2,015.09	SETTLED	10	clear	422	2026-08-15 00:55Z
acht_sim_lant_b8sigwlydlp	ach outgoing CREDIT	$633.80	SETTLED	0	clear	407	2026-08-13 21:38Z
acht_sim_lant_bm990lltdi8	ach outgoing CREDIT	$1,721.07	SETTLED	10	clear	378	2026-08-11 01:22Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $659.82 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 $714.75 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 $1,533.08 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 $1,005.04 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 6 transfers and $7,133.91 in 24 hours.	medium	10 clear	reviewed	open