Entity · BUSINESS

Birch Holdings 21

Id: enti_sim_meri_4gund5k49mu
Program: 48915275-d6d2-4068-8e62-f51a51f9da77
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-09-03 20:24Z
Country: US
Expected rails: ach, wire, swift

Entity Risk Skoor Report →

Skoor

45n=34

Band

review

Confidence

0.81

Version

ers-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	ERS-RET-01 The entity's transfers have drawn unauthorized returns.	`entity.unauthorized_returns`	+30		2 unauthorized return(s) against it
2	ERS-RET-02 The entity's return rate is above five percent.	`entity.return_rate`	+15		return rate 3/34

Signals

Signal	Weight	Hard	Detail
entity.unauthorized_returns	+30		2 unauthorized return(s) against it
entity.return_rate	+15		return rate 3/34

Inputs

{
  "n": 34,
  "alerts": {
    "opened": 0,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 3,
    "unauthorized": 2
  },
  "scoredN": 33,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.030303030303030304,
  "velocityRatio": 1.3711608611078399,
  "confidenceDecay": 1,
  "screeningAgeDays": 13,
  "observationAgeDays": 5,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 27
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	45	review	34	0.81	ers-v1
2026-09-17 19:31Z	45	review	19	0.61	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 16 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.

Transfers

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_meri_2rnz50a8cbq	ach outgoing CREDIT	$693.19	SETTLED	0	clear	1063	2026-09-15 21:59Z
acht_sim_meri_2z7lpz02cf7	ach outgoing CREDIT	$776.88	SETTLED	20	clear	1032	2026-09-13 06:18Z
acht_sim_meri_cdfa8c3ccf4	ach outgoing CREDIT	$376.38	SETTLED	10	clear	1031	2026-09-13 06:10Z
acht_sim_meri_8my3yu7xcf1	ach outgoing CREDIT	$1,283.29	SETTLED	10	clear	1030	2026-09-13 06:02Z
acht_sim_meri_2xd0xdgqcey	ach outgoing CREDIT	$828.17	SETTLED	20	clear	1029	2026-09-13 05:54Z
acht_sim_meri_c6r03u5ecev	ach outgoing CREDIT	$347.48	SETTLED	25	clear	1027	2026-09-13 05:46Z
acht_sim_meri_21z7mc5kces	ach outgoing CREDIT	$1,108.24	SETTLED	20	clear	1026	2026-09-13 05:38Z
acht_sim_meri_bmhri5fccep	ach outgoing CREDIT	$362.10	SETTLED	10	clear	1025	2026-09-13 05:30Z
acht_sim_meri_4rjq8a5ocem	ach outgoing CREDIT	$598.96	SETTLED	25	clear	1022	2026-09-13 05:22Z
acht_sim_meri_2rpdaoepcej	ach outgoing CREDIT	$902.51	SETTLED	0	clear	1023	2026-09-13 05:14Z
acht_sim_meri_1ft0iev0ceg	ach outgoing CREDIT	$463.11	SETTLED	0	clear	1021	2026-09-13 05:06Z
acht_sim_meri_7n7fky8qced	ach outgoing CREDIT	$869.51	SETTLED	15	clear	1019	2026-09-13 04:58Z
acht_sim_meri_5tldf907cea	ach outgoing CREDIT	$560.67	SETTLED	10	clear	1018	2026-09-13 04:50Z
acht_sim_meri_5wblailoce7	ach outgoing CREDIT	$464.24	SETTLED	0	clear	1017	2026-09-13 04:42Z
acht_sim_meri_a8btdmzxce4	ach outgoing CREDIT	$557.22	SETTLED	10	clear	1016	2026-09-13 04:34Z
acht_sim_meri_b542cz8uc6u	ach outgoing CREDIT	$462.42	SETTLED	25	clear	1002	2026-09-12 03:39Z
acht_sim_meri_4nmmlafzc3l	ach outgoing CREDIT	$551.66	SETTLED	15	clear	970	2026-09-10 04:25Z
acht_sim_meri_2aeo6i7cbx9	ach outgoing DEBIT	$836.56	SETTLED	0	clear	888	2026-09-05 01:53Z
acht_sim_meri_bosn3tzsbvk	ach outgoing DEBIT	$1,335.99	SETTLED	0	clear	853	2026-09-02 21:44Z
acht_sim_meri_59kytz7ubqh	ach outgoing CREDIT	$1,258.45	SETTLED	0	clear	812	2026-08-31 03:28Z
acht_sim_meri_7uq12gnzbpk	ach outgoing CREDIT	$866.88	SETTLED	0	clear	792	2026-08-29 23:36Z
acht_sim_meri_278zoy3ubpt	ach outgoing CREDIT	$493.52	SETTLED	0	clear	789	2026-08-29 22:55Z
acht_sim_meri_77lqnu1gbjx	ach outgoing CREDIT	$602.18	SETTLED	15	clear	726	2026-08-26 01:05Z
acht_sim_meri_5rj4wknubiu	ach outgoing CREDIT	$412.66	SETTLED	10	clear	714	2026-08-25 01:19Z
acht_sim_meri_9vaefpwlbgs	ach outgoing CREDIT	$739.62	SETTLED	0	clear	692	2026-08-23 22:33Z
acht_sim_meri_wml5apfbg7	ach outgoing CREDIT	$536.55	SETTLED	0	clear	683	2026-08-23 03:56Z
acht_sim_meri_797kc0z3be8	ach outgoing DEBIT	$1,270.93	SETTLED	0	clear	668	2026-08-22 01:54Z
acht_sim_meri_3pemn4qybb1	ach outgoing CREDIT	$296.70	SETTLED	0	clear	621	2026-08-19 05:05Z
acht_sim_meri_abo7z07kb9l	ach outgoing DEBIT	$1,357.28	SETTLED	0	clear	606	2026-08-18 03:36Z
acht_sim_meri_accy599qb8f	ach outgoing CREDIT	$1,103.10	SETTLED	10	clear	594	2026-08-17 05:37Z
acht_sim_meri_bw10s38vb3c	ach outgoing CREDIT	$1,084.41	SETTLED	0	clear	532	2026-08-12 23:06Z
acht_sim_meri_7dfl7wa7b1u	ach outgoing DEBIT	$823.97	SETTLED	0	clear	505	2026-08-10 21:14Z
acht_sim_meri_6jtosk94b0n	ach outgoing DEBIT	$485.59	SETTLED	0	clear	499	2026-08-10 04:20Z
acht_sim_meri_2wzt3z1daze	ach outgoing CREDIT	$671.72	SETTLED	40	review	497	2026-08-10 01:18Z
acht_sim_meri_myiipgave	ach outgoing CREDIT	$390.12	SETTLED	10	clear	458	2026-08-07 05:49Z
acht_sim_meri_bytq7k4mauq	ach outgoing DEBIT	$547.32	SETTLED	10	clear	437	2026-08-06 02:46Z
acht_sim_meri_2u72rak9amj	ach outgoing CREDIT	$379.47	SETTLED	0	clear	347	2026-07-31 05:37Z
acht_sim_meri_64de3re4ako	ach outgoing DEBIT	$800.48	RETURNED	10	clear	305	2026-07-28 21:53Z
acht_sim_meri_8jwteku2ag9	ach outgoing CREDIT	$319.09	SETTLED	0	clear	252	2026-07-25 22:04Z
acht_sim_meri_5k5lo2i9ad9	ach outgoing DEBIT	$1,090.03	SETTLED	0	clear	226	2026-07-23 20:43Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:32Z	velocity_spike	Entity velocity spiked: 6 transfers and $3,817.26 in 24 hours.	medium	25 clear	reviewed	open