Entity · PERSON

Iris Services 220

Id: enti_sim_meri_27j309649ow
Program: 48915275-d6d2-4068-8e62-f51a51f9da77
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-08-20 23:25Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

25n=14

Band

clear

Confidence

0.57

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 1/14
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 6.1× its prior monthly volume

Signals

Signal	Weight	Hard	Detail
entity.return_rate	+15		return rate 1/14
entity.velocity	+10		last 30 days 6.1× its prior monthly volume

Inputs

{
  "n": 14,
  "alerts": {
    "opened": 1,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 1,
    "unauthorized": 0
  },
  "scoredN": 14,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.07142857142857142,
  "velocityRatio": 6.0536703084026735,
  "confidenceDecay": 1,
  "screeningAgeDays": 27,
  "observationAgeDays": 7,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 11
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	25	clear	14	0.57	ers-v1
2026-09-17 19:31Z	null	unscored	2	null	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_meri_cduk7vfwcbn	ach outgoing CREDIT	$1,379.36	SETTLED	40	review	1068	2026-09-16 00:43Z
acht_sim_meri_1cjqmwdgc4o	ach outgoing CREDIT	$1,038.38	SETTLED	10	clear	967	2026-09-10 03:29Z
acht_sim_meri_9uyj6jflc0v	ach outgoing CREDIT	$872.48	SETTLED	0	clear	926	2026-09-07 20:07Z
acht_sim_meri_c9kdo6gpbv5	ach outgoing CREDIT	$730.90	SETTLED	0	clear	850	2026-09-02 20:41Z
acht_sim_meri_7jikkrc5btu	ach outgoing DEBIT	$1,168.71	SETTLED	0	clear	848	2026-09-02 03:27Z
acht_sim_meri_cfm4v9jybtl	ach outgoing CREDIT	$344.52	SETTLED	0	clear	834	2026-09-01 20:42Z
acht_sim_meri_bdl7bg1obli	ach outgoing DEBIT	$300.82	SETTLED	0	clear	751	2026-08-27 05:40Z
acht_sim_meri_9gah06jbkr	ach outgoing CREDIT	$414.53	SETTLED	40	review	725	2026-08-26 01:49Z
acht_sim_meri_6msfw175bhg	ach outgoing CREDIT	$478.10	RETURNED	15	clear	700	2026-08-24 04:20Z
wire_sim_meri_4tjp7armbbd	wire outgoing	$4,477.20	COMPLETED	10	clear	605	2026-08-19 01:00Z
acht_sim_meri_911xr19uba0	ach outgoing DEBIT	$308.87	SETTLED	15	clear	608	2026-08-18 21:21Z
acht_sim_meri_8p68tn4yb6y	ach outgoing CREDIT	$931.06	SETTLED	0	clear	573	2026-08-15 23:33Z
acht_sim_meri_6tdh4m29b4l	ach outgoing CREDIT	$1,300.46	SETTLED	0	clear	552	2026-08-14 05:28Z
acht_sim_meri_acwmw57ab3x	ach outgoing CREDIT	$501.52	SETTLED	15	clear	535	2026-08-13 02:24Z
acht_sim_meri_6pkgm9udan1	ach outgoing CREDIT	$615.19	SETTLED	0	clear	343	2026-07-31 04:21Z

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 $1,379.36 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 $414.53 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open