Entity · BUSINESS

Meridian Remit

Id: enti_sim_meri_zfaci2z9lw
Program: 48915275-d6d2-4068-8e62-f51a51f9da77
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-07-29 05:05Z
Country: US
Expected rails: ach, wire, swift

Entity Risk Skoor Report →

Skoor

10n=67

Band

clear

Confidence

1.00

Version

ers-v1

Scored 2026-09-17 19:33Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	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 4.8× its prior monthly volume

Signals

Signal	Weight	Hard	Detail
entity.velocity	+10		last 30 days 4.8× its prior monthly volume

Inputs

{
  "n": 67,
  "alerts": {
    "opened": 12,
    "clearedByPerson": 0,
    "heldOrEscalated": 4
  },
  "returns": {
    "any": 2,
    "unauthorized": 0
  },
  "scoredN": 63,
  "holdShare": 0.06349206349206349,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.06349206349206349,
  "velocityRatio": 4.772137735817481,
  "confidenceDecay": 1,
  "screeningAgeDays": 50,
  "observationAgeDays": 1,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 37
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:33Z	10	clear	67	1.00	ers-v1
2026-09-17 19:32Z	10	clear	61	1.00	ers-v1
2026-09-17 19:31Z	0	clear	30	0.73	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_2qpydu5hccb	ach outgoing CREDIT	$750.43	SETTLED	40	review	1080	2026-09-16 05:39Z
acht_sim_meri_78s5kcufccq	ach outgoing CREDIT	$390.53	SETTLED	0	clear	1076	2026-09-16 03:37Z
acht_sim_meri_4jxh433cc9x	ach outgoing DEBIT	$741.82	SETTLED	0	clear	1051	2026-09-15 01:17Z
acht_sim_meri_a4xj689ecac	ach outgoing DEBIT	$575.40	SETTLED	40	review	1049	2026-09-15 00:19Z
acht_sim_meri_chjskcjcc9p	ach outgoing DEBIT	$765.75	SETTLED	15	clear	1043	2026-09-14 01:57Z
acht_sim_meri_12y231kkc8m	ach outgoing CREDIT	$506.07	SETTLED	0	clear	1012	2026-09-13 03:17Z
acht_sim_meri_6g3pexovc6f	ach outgoing CREDIT	$1,343.82	SETTLED	0	clear	998	2026-09-12 02:36Z
acht_sim_meri_cdy8tt5jc6i	ach outgoing DEBIT	$610.57	SETTLED	0	clear	997	2026-09-12 01:54Z
acht_sim_meri_39606d2rc2g	ach outgoing DEBIT	$343.43	SETTLED	0	clear	947	2026-09-08 23:04Z
acht_sim_meri_aw65braac31	ach outgoing DEBIT	$1,350.20	SETTLED	0	clear	945	2026-09-08 22:05Z
acht_sim_meri_93cvkeq3c1v	ach outgoing CREDIT	$749.35	SETTLED	10	clear	939	2026-09-08 03:26Z
wire_sim_meri_b2xczvm4c0t	wire outgoing	$1,571.96	COMPLETED	0	clear	911	2026-09-07 01:00Z
acht_sim_meri_9c7yzpdfbz9	ach outgoing DEBIT	$1,112.62	SETTLED	75	hold	906	2026-09-06 04:20Z
acht_sim_meri_bh8doszrbz6	ach outgoing CREDIT	$434.00	SETTLED	45	hold	894	2026-09-05 21:17Z
acht_sim_meri_4ycfit82cdu	ach outgoing DEBIT	$9,714.50	SETTLED	65	hold	890	2026-09-05 13:15Z
acht_sim_meri_am0xo0b1cdr	ach outgoing DEBIT	$9,457.89	SETTLED	55	hold	889	2026-09-05 08:15Z
acht_sim_meri_10vqt820cdn	ach outgoing DEBIT	$9,109.96	RETURNED	20	clear	888	2026-09-05 03:15Z
acht_sim_meri_cxoiujocdk	ach outgoing DEBIT	$9,338.74	SETTLED	45	review	881	2026-09-04 22:15Z
acht_sim_meri_940ktx4hbvz	ach outgoing CREDIT	$317.91	SETTLED	40	review	864	2026-09-03 23:16Z
acht_sim_meri_lxkopabvb	ach outgoing DEBIT	$1,122.70	SETTLED	0	clear	854	2026-09-02 22:21Z
acht_sim_meri_c5cdxyjibrh	ach outgoing DEBIT	$1,317.86	SETTLED	0	clear	809	2026-08-31 01:52Z
acht_sim_meri_9d8w5um5bq5	ach outgoing DEBIT	$485.21	SETTLED	0	clear	797	2026-08-30 02:20Z
acht_sim_meri_4ezm4nvxbpb	ach outgoing DEBIT	$781.47	SETTLED	0	clear	794	2026-08-29 23:43Z
acht_sim_meri_2yg5n42gbob	ach outgoing DEBIT	$397.94	SETTLED	0	clear	778	2026-08-29 03:05Z
acht_sim_meri_5bmnl2sublr	ach outgoing DEBIT	$788.69	SETTLED	15	clear	740	2026-08-26 23:37Z
acht_sim_meri_8k6jcsyobll	ach outgoing CREDIT	$559.94	SETTLED	0	clear	736	2026-08-26 20:49Z
acht_sim_meri_97jcpng9bi6	ach outgoing DEBIT	$639.12	SETTLED	0	clear	695	2026-08-23 23:24Z
acht_sim_meri_dzlk0mobek	ach outgoing DEBIT	$803.53	SETTLED	0	clear	664	2026-08-22 00:11Z
acht_sim_meri_b0ttvll8bf8	ach outgoing DEBIT	$916.56	SETTLED	0	clear	661	2026-08-21 22:29Z
acht_sim_meri_c8o029w5bdq	ach outgoing DEBIT	$1,149.32	SETTLED	0	clear	648	2026-08-20 23:59Z
acht_sim_meri_50bk81bxbdw	ach outgoing CREDIT	$1,266.10	SETTLED	0	clear	648	2026-08-20 23:06Z
acht_sim_meri_bm6mros5bbl	ach outgoing DEBIT	$469.16	SETTLED	0	clear	643	2026-08-20 05:26Z
acht_sim_meri_akvwlsdjb9f	ach outgoing DEBIT	$938.29	SETTLED	0	clear	601	2026-08-18 00:52Z
acht_sim_meri_4xqwwjb9b6p	ach outgoing DEBIT	$388.93	SETTLED	0	clear	578	2026-08-16 03:35Z
acht_sim_meri_cpo9f7ctb77	ach outgoing CREDIT	$352.78	SETTLED	0	clear	571	2026-08-15 22:57Z
acht_sim_meri_4i60ssj9b5w	ach outgoing CREDIT	$435.25	SETTLED	0	clear	564	2026-08-15 01:38Z
acht_sim_meri_cdyg4in2b4u	ach outgoing DEBIT	$1,301.02	SETTLED	0	clear	547	2026-08-14 01:51Z
acht_sim_meri_b5wordfcb1b	ach outgoing DEBIT	$304.78	SETTLED	0	clear	509	2026-08-11 00:37Z
acht_sim_meri_a4uqre2razt	ach outgoing DEBIT	$555.92	SETTLED	0	clear	490	2026-08-10 00:36Z
acht_sim_meri_ciflnpv0aym	ach outgoing CREDIT	$552.51	RETURNED	0	clear	480	2026-08-09 00:00Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 75 (hold band) on a $1,112.62 ach transfer: returns.counterparty_prior_unauthorized, structuring.pattern.	high	75 hold	reviewed	held
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $434.00 ach transfer: velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	high	45 hold	reviewed	held
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 65 (hold band) on a $9,714.50 ach transfer: amount.gt_10x_median, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	high	65 hold	reviewed	held
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $750.43 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $575.40 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:32Z	amount_just_below_threshold	A single $9,338.74 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	low	45 review	reviewed	open
2026-09-17 19:31Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	high	75 hold	reviewed	held
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 4 transfers and $37,621.09 in 24 hours.	medium	45 hold	reviewed	held
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 55 (hold band) on a $9,457.89 ach transfer: amount.gt_10x_median, structuring.pattern.	high	55 hold	reviewed	held
2026-09-17 19:31Z	structuring_pattern	The entity made 4 ACH debits just under $10,000 within 24 hours.	high	65 hold	reviewed	held
2026-09-17 19:31Z	first_time_counterparty_large	First transfer to a new counterparty, $9,338.74, above the program's 95th percentile.	medium	45 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $317.91 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	velocity_spike	Entity velocity spiked: 1 transfers and $485.73 in 24 hours.	medium	null unscored	reviewed	open