Entity · PERSON

Potential Pep 3

Id: enti_sim_lant_866sn4vcjd
Program: 180938aa-f565-4063-8da7-da29139b126f
Verification: VERIFIED
High risk: no
PEP: potential
Requires screening: no
Review reasons: —
Last screened: 2026-09-01 05:48Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

60n=34

Band

review

Confidence

0.81

Version

ers-v1

Scored 2026-09-17 19:33Z.

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-RET-02 The entity's return rate is above five percent.	`entity.return_rate`	+15	return rate 2/34
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.unauthorized_returns	+30	1 unauthorized return(s) against it
entity.return_rate	+15	return rate 2/34

Inputs

{
  "n": 34,
  "alerts": {
    "opened": 1,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 2,
    "unauthorized": 1
  },
  "scoredN": 33,
  "holdShare": 0.030303030303030304,
  "pepStatus": "potential",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.09090909090909091,
  "velocityRatio": 1.1145350816154274,
  "confidenceDecay": 1,
  "screeningAgeDays": 16,
  "observationAgeDays": 0,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 24
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:33Z	60	review	34	0.81	ers-v1
2026-09-17 19:32Z	60	review	32	0.78	ers-v1
2026-09-17 19:31Z	60	review	18	0.59	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_lant_aeo41mucei7	ach outgoing CREDIT	$1,455.42	SUBMITTED	15	clear	816	2026-09-17 01:58Z
acht_sim_lant_qsp2qaheg8	ach outgoing DEBIT	$1,004.64	SETTLED	25	clear	796	2026-09-14 05:28Z
acht_sim_lant_2fdfkd7hefw	ach outgoing CREDIT	$677.00	SETTLED	15	clear	789	2026-09-13 23:45Z
acht_sim_lant_bjn5xoviebd	ach outgoing CREDIT	$2,288.96	SETTLED	15	clear	729	2026-09-09 02:05Z
acht_sim_lant_8jptm9taeb7	ach outgoing DEBIT	$894.92	SETTLED	15	clear	728	2026-09-09 01:59Z
acht_sim_lant_73x720k9eag	ach outgoing CREDIT	$966.68	SETTLED	15	clear	724	2026-09-08 23:53Z
acht_sim_lant_c34meeg3eaa	ach outgoing CREDIT	$998.11	SETTLED	15	clear	717	2026-09-08 03:55Z
acht_sim_lant_4f77u9rnea1	ach outgoing CREDIT	$630.92	SETTLED	15	clear	716	2026-09-07 22:17Z
acht_sim_lant_6rnw6vfte4l	ach outgoing DEBIT	$1,991.68	SETTLED	25	clear	654	2026-09-02 21:00Z
acht_sim_lant_9xf96uq2e0x	ach outgoing DEBIT	$1,017.85	SETTLED	15	clear	587	2026-08-29 21:10Z
acht_sim_lant_b5w0bsa1dzr	ach outgoing CREDIT	$2,307.20	SETTLED	55	review	584	2026-08-29 04:36Z
acht_sim_lant_1tg97qee09	ach outgoing CREDIT	$735.33	SETTLED	15	clear	582	2026-08-29 02:05Z
acht_sim_lant_3o48fl3vdyd	ach outgoing DEBIT	$1,194.24	RETURNED	15	clear	573	2026-08-28 02:31Z
acht_sim_lant_10lkfpw0dxp	ach outgoing DEBIT	$831.18	SETTLED	55	review	557	2026-08-26 23:11Z
acht_sim_lant_bx8xloizdpq	ach outgoing CREDIT	$2,224.59	SETTLED	15	clear	457	2026-08-18 00:40Z
acht_sim_lant_4214eskadnz	ach outgoing CREDIT	$1,347.39	SETTLED	15	clear	437	2026-08-16 01:33Z
acht_sim_lant_asdizpbydhw	ach outgoing CREDIT	$1,022.57	SETTLED	15	clear	380	2026-08-11 02:27Z
acht_sim_lant_a78xb05rdh2	ach outgoing CREDIT	$1,162.16	SETTLED	15	clear	368	2026-08-10 04:47Z
acht_sim_lant_9lzs4e1adhq	ach outgoing DEBIT	$2,551.70	SETTLED	15	clear	367	2026-08-10 04:12Z
acht_sim_lant_24zj8xi2dgw	ach outgoing CREDIT	$831.26	SETTLED	15	clear	362	2026-08-09 22:43Z
acht_sim_lant_89s8yxomddk	ach outgoing CREDIT	$1,771.54	SETTLED	55	review	321	2026-08-06 02:05Z
acht_sim_lant_4p5nxr48dcn	ach outgoing CREDIT	$2,441.74	SETTLED	15	clear	304	2026-08-04 21:36Z
acht_sim_lant_by83dsnvdag	ach outgoing DEBIT	$2,307.96	SETTLED	25	clear	288	2026-08-03 02:49Z
acht_sim_lant_a9dk8j58d9s	ach outgoing CREDIT	$2,475.43	SETTLED	15	clear	275	2026-08-02 00:45Z
acht_sim_lant_yvgeemyd80	ach outgoing CREDIT	$1,334.73	SETTLED	15	clear	253	2026-07-31 01:48Z
acht_sim_lant_baxe24x1d86	ach outgoing CREDIT	$2,331.34	MANUAL_REVIEW	70	hold	241	2026-07-31 01:39Z
acht_sim_lant_k4vimpld72	ach outgoing CREDIT	$1,297.62	SETTLED	15	clear	241	2026-07-30 03:03Z
acht_sim_lant_40l4078rd5k	ach outgoing DEBIT	$1,114.94	SETTLED	15	clear	219	2026-07-28 23:20Z
acht_sim_lant_8vcpu6ngd2m	ach outgoing CREDIT	$966.33	RETURNED	15	clear	202	2026-07-27 03:58Z
acht_sim_lant_7ma45s3td11	ach outgoing DEBIT	$546.44	SETTLED	25	clear	168	2026-07-24 20:11Z
acht_sim_lant_c2c66d99cyc	ach outgoing CREDIT	$797.45	SETTLED	15	clear	135	2026-07-21 21:59Z
acht_sim_lant_6fsisn76cw7	ach outgoing DEBIT	$792.38	SETTLED	15	clear	116	2026-07-20 03:26Z
acht_sim_lant_4mudrrmycnx	ach outgoing CREDIT	$1,402.45	COMPLETED	15	clear	42	2026-07-14 00:04Z
acht_sim_lant_99geugtuclp	ach outgoing CREDIT	$1,775.45	COMPLETED	null	unscored	20	2026-07-11 22:47Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $1,775.45, above the program median, came 0.0 hours after verification.	medium	null unscored	reviewed	open
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	25 clear	reviewed	open
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	null unscored	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	25 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	55 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 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	25 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	25 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	high	15 clear	reviewed	open