Entity · PERSON

Denied Origin 2

Id: enti_sim_meri_3qusu9s29pg
Program: 48915275-d6d2-4068-8e62-f51a51f9da77
Verification: DENIED
High risk: no
PEP: no
Requires screening: no
Review reasons: sanctions_match
Last screened: 2026-06-24 12:01Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

85n=1

Band

hold

Confidence

0.41

Version

ers-v1

Scored 2026-09-17 19:31Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	ERS-VER-01 Identity verification was denied.	`entity.denied`	+60	yes	verification DENIED
2	ERS-HIS-01 A tenth or more of the entity's scored transfers landed in the hold band.	`entity.hold_share`	+25		100% of scored transfers in the hold band

Signals

Signal	Weight	Hard	Detail
entity.denied	+60	yes	verification DENIED
entity.hold_share	+25		100% of scored transfers in the hold band

Inputs

{
  "n": 1,
  "alerts": {
    "opened": 0,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 0,
    "unauthorized": 0
  },
  "scoredN": 1,
  "holdShare": 1,
  "pepStatus": "no",
  "hardSignal": true,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0,
  "velocityRatio": null,
  "confidenceDecay": 1,
  "screeningAgeDays": 85,
  "observationAgeDays": 20,
  "verificationStatus": "DENIED",
  "distinctCounterparties": 1
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:31Z	85	hold	1	0.41	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 16 points, and every hard signal must clear first. 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.denied	60	yes	Identity verification was denied.
entity.hold_share	25		A tenth or more of the entity's scored transfers landed in the hold band.

Transfers

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_meri_6r6oon2pcdx	ach outgoing CREDIT	$2,400.00	RETURNED	100	hold	766	2026-08-28 14:33Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:31Z	rapid_onboarding	The entity's first transfer, $2,400.00, above the program median, came 0.0 hours after verification.	medium	100 hold	reviewed	held
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 100 (hold band) on a $2,400.00 ach transfer: entity.denied, returns.counterparty_prior_unauthorized, amount.gt_3x_median.	high	100 hold	reviewed	held
2026-09-17 19:31Z	denied_entity_activity	A $2,400.00 ach transfer was initiated for an entity whose verification was denied.	high	100 hold	reviewed	held
2026-09-17 19:31Z	entity_hold	Entity Denied Origin 2 entered the hold band (Skoor 85, n=1): entity.denied, entity.hold_share.	high	85 hold	reviewed	held