Entity · BUSINESS

Fern Studio 317

Id: enti_sim_lant_b20ihghci2
Program: 180938aa-f565-4063-8da7-da29139b126f
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-09-05 03:16Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

25n=16

Band

clear

Confidence

0.59

Version

ers-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	ERS-RET-02 The entity's return rate is above five percent.	`entity.return_rate`	+15		return rate 1/16
2	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 3.0× its prior monthly volume

Signals

Signal	Weight	Hard	Detail
entity.return_rate	+15		return rate 1/16
entity.velocity	+10		last 30 days 3.0× its prior monthly volume

Inputs

{
  "n": 16,
  "alerts": {
    "opened": 2,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 1,
    "unauthorized": 0
  },
  "scoredN": 16,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.1875,
  "velocityRatio": 3.031648940462549,
  "confidenceDecay": 1,
  "screeningAgeDays": 12,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 14
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	25	clear	16	0.59	ers-v1
2026-09-17 19:31Z	0	clear	9	0.49	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_44foil1sehh	ach outgoing CREDIT	$969.57	SETTLED	0	clear	809	2026-09-15 21:33Z
acht_sim_lant_bfgy2p57ef2	ach outgoing CREDIT	$574.43	SETTLED	40	review	778	2026-09-12 21:53Z
acht_sim_lant_1xuba1dye8s	ach outgoing DEBIT	$2,571.62	SETTLED	40	review	708	2026-09-07 01:50Z
acht_sim_lant_ef045nue9g	ach outgoing DEBIT	$2,616.64	SETTLED	0	clear	706	2026-09-06 23:57Z
acht_sim_lant_cgyl4ch6e56	ach outgoing CREDIT	$2,321.98	SETTLED	0	clear	656	2026-09-03 01:16Z
acht_sim_lant_camnrum8dwg	ach outgoing DEBIT	$1,593.55	SETTLED	0	clear	543	2026-08-25 21:39Z
acht_sim_lant_6da0mpbhdvs	ach outgoing DEBIT	$1,842.68	SETTLED	40	review	535	2026-08-24 22:52Z
acht_sim_lant_a4f329redvm	ach outgoing CREDIT	$1,628.18	SETTLED	0	clear	527	2026-08-23 22:18Z
acht_sim_lant_4iinuyrbdie	ach outgoing DEBIT	$564.27	RETURNED	0	clear	384	2026-08-11 05:30Z
acht_sim_lant_3015bkbkdgq	ach outgoing CREDIT	$1,512.92	SETTLED	0	clear	354	2026-08-09 05:01Z
acht_sim_lant_7v4woi5ede8	ach outgoing CREDIT	$997.91	SETTLED	0	clear	332	2026-08-07 03:32Z
acht_sim_lant_3ehqfpfmdct	ach outgoing DEBIT	$805.79	SETTLED	0	clear	314	2026-08-05 03:49Z
acht_sim_lant_60ekg7amd9p	ach outgoing CREDIT	$1,076.71	SETTLED	0	clear	272	2026-08-01 22:32Z
acht_sim_lant_9gii3usd2a	ach outgoing CREDIT	$796.22	SETTLED	0	clear	181	2026-07-25 20:46Z
acht_sim_lant_3be5d8r6cz0	ach outgoing CREDIT	$1,686.22	SETTLED	0	clear	156	2026-07-23 01:57Z
acht_sim_lant_isqppw3cv3	ach outgoing CREDIT	$620.15	SETTLED	0	clear	107	2026-07-19 04:12Z
acht_sim_lant_25g5rieocrq	ach outgoing DEBIT	$614.36	COMPLETED	0	clear	81	2026-07-17 01:18Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $574.43 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 $2,571.62 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 $1,842.68 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open