SKOOR Risk Money movement. Skoored by AI.

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Entity · BUSINESS · agent

Payout Agent (Northwind) agent

Id: enti_sim_nort_9rqujo9v42
Program: 030a8115-8109-4bdc-8e82-65ec40280d47
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-09-03 16:47Z
Country: US
Expected rails: ach
Operator entity: enti_sim_nort_c2pb9mmf0
Declared purpose: vendor payouts
Declared scope: ach

Entity Risk Skoor Report →

Skoor

0n=74

Band

clear

Confidence

1.00

Version

ers-v1

Scored 2026-09-17 19:32Z.

Signals

No signals fired.

Inputs

{
  "n": 74,
  "alerts": {
    "opened": 3,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 2,
    "unauthorized": 0
  },
  "scoredN": 73,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.0273972602739726,
  "velocityRatio": 1.4872802926733701,
  "confidenceDecay": 1,
  "screeningAgeDays": 14,
  "observationAgeDays": 5,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 41
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	0	clear	74	1.00	ers-v1
2026-09-17 19:31Z	0	clear	38	0.83	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.

Agent Risk Skoor Report →

Skoor

0n=74

Band

clear

Confidence

1.00

Version

ars-v1

Scored 2026-09-17 19:32Z.

Signals

No signals fired.

Inputs

{
  "n": 74,
  "base": "ers-v1",
  "scope": [
    "ach"
  ],
  "alerts": {
    "opened": 3,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "purpose": "vendor payouts",
  "returns": {
    "any": 2,
    "unauthorized": 0
  },
  "scoredN": 73,
  "holdShare": 0,
  "pepStatus": "no",
  "railsUsed": [
    "ach"
  ],
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.0273972602739726,
  "velocityRatio": 1.4872802926733701,
  "confidenceDecay": 1,
  "operatorEntityId": "enti_sim_nort_c2pb9mmf0",
  "screeningAgeDays": 14,
  "observationAgeDays": 5,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 41
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	0	clear	74	1.00	ars-v1
2026-09-17 19:31Z	0	clear	38	0.83	ars-v1
2026-09-17 19:30Z	null	unscored	0	null	ars-v1

Transfers

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_nort_5jwdzled3rd	ach outgoing CREDIT	$904.63	SUBMITTED	0	clear	1466	2026-09-16 22:57Z
acht_sim_nort_5xf7i19o3qn	ach outgoing CREDIT	$1,867.03	SUBMITTED	0	clear	1466	2026-09-16 22:45Z
acht_sim_nort_7nfpztsr3o3	ach outgoing DEBIT	$2,109.82	SETTLED	0	clear	1473	2026-09-16 05:33Z
acht_sim_nort_9m2j8s0a3lo	ach outgoing CREDIT	$1,210.16	SETTLED	0	clear	1430	2026-09-14 05:53Z
acht_sim_nort_1epqfh5t3h4	ach outgoing DEBIT	$1,995.36	SETTLED	0	clear	1353	2026-09-11 20:38Z
acht_sim_nort_cqx5g2v83g1	ach outgoing DEBIT	$2,210.24	SETTLED	15	clear	1349	2026-09-11 05:53Z
acht_sim_nort_jqoxxub3fa	ach outgoing CREDIT	$2,157.83	SETTLED	0	clear	1346	2026-09-11 05:06Z
acht_sim_nort_bufyf6h33e9	ach outgoing CREDIT	$1,194.84	SETTLED	0	clear	1325	2026-09-10 01:02Z
acht_sim_nort_9dhnillj3du	ach outgoing DEBIT	$1,702.23	SETTLED	0	clear	1323	2026-09-10 00:20Z
acht_sim_nort_cbyf278q3dh	ach outgoing DEBIT	$2,696.93	SETTLED	15	clear	1320	2026-09-09 22:22Z
acht_sim_nort_15q820cd3ct	ach outgoing CREDIT	$3,786.69	SETTLED	0	clear	1299	2026-09-09 00:52Z
acht_sim_nort_4lwa6uqg3de	ach outgoing CREDIT	$2,325.04	SETTLED	40	review	1294	2026-09-08 22:41Z
acht_sim_nort_94pzr22e39z	ach outgoing DEBIT	$3,660.88	SETTLED	15	clear	1265	2026-09-07 20:32Z
acht_sim_nort_41ioyww2388	ach outgoing DEBIT	$2,158.42	SETTLED	0	clear	1258	2026-09-07 04:20Z
acht_sim_nort_8aeb1wco37q	ach outgoing DEBIT	$1,128.20	SETTLED	0	clear	1249	2026-09-07 00:05Z
acht_sim_nort_78685j2032p	ach outgoing DEBIT	$1,361.64	SETTLED	0	clear	1173	2026-09-03 23:16Z
acht_sim_nort_a3iliuei32a	ach outgoing DEBIT	$3,816.39	SETTLED	0	clear	1168	2026-09-03 20:31Z
acht_sim_nort_94ny4q0b2yi	ach outgoing CREDIT	$2,417.23	SETTLED	0	clear	1148	2026-09-02 04:50Z
acht_sim_nort_4c3qe1uy2wq	ach outgoing CREDIT	$4,050.84	SETTLED	0	clear	1111	2026-08-31 02:48Z
acht_sim_nort_6hnc0a012vq	ach outgoing CREDIT	$3,422.72	SETTLED	0	clear	1100	2026-08-30 20:11Z
acht_sim_nort_tqiqzr42r3	ach outgoing DEBIT	$2,064.85	SETTLED	15	clear	1050	2026-08-28 04:03Z
acht_sim_nort_9lkjrnpy2r9	ach outgoing CREDIT	$3,053.55	SETTLED	0	clear	1044	2026-08-27 22:44Z
acht_sim_nort_1fzq1fpx2pf	ach outgoing DEBIT	$3,105.34	SETTLED	0	clear	1026	2026-08-26 23:32Z
acht_sim_nort_8t12hy032mh	ach outgoing DEBIT	$870.07	SETTLED	0	clear	1005	2026-08-25 23:44Z
acht_sim_nort_c7rvrpnv2mz	ach outgoing CREDIT	$1,899.49	SETTLED	0	clear	1004	2026-08-25 23:28Z
acht_sim_nort_1dftb4gg2nq	ach outgoing DEBIT	$2,523.40	SETTLED	0	clear	998	2026-08-25 22:05Z
acht_sim_nort_755mbdvv2kd	ach outgoing DEBIT	$1,519.29	RETURNED	0	clear	977	2026-08-25 00:49Z
acht_sim_nort_2uiwdxcc2ka	ach outgoing DEBIT	$1,345.97	SETTLED	10	clear	971	2026-08-24 21:44Z
acht_sim_nort_2vsumlgr2j7	ach outgoing DEBIT	$1,502.35	SETTLED	0	clear	967	2026-08-24 05:01Z
acht_sim_nort_56hu44go2iy	ach outgoing DEBIT	$1,468.67	SETTLED	0	clear	957	2026-08-24 03:21Z
acht_sim_nort_ajrzxlu82hd	ach outgoing CREDIT	$2,814.19	RETURNED	0	clear	923	2026-08-22 20:37Z
acht_sim_nort_6grzzgz82fu	ach outgoing DEBIT	$1,298.05	SETTLED	0	clear	904	2026-08-21 22:15Z
acht_sim_nort_5ypwu67t2e6	ach outgoing DEBIT	$1,806.56	SETTLED	0	clear	903	2026-08-21 21:56Z
acht_sim_nort_43gflb9y2cj	ach outgoing CREDIT	$1,047.11	SETTLED	0	clear	883	2026-08-20 23:42Z
acht_sim_nort_aw839pbl29v	ach outgoing DEBIT	$847.31	SETTLED	0	clear	855	2026-08-19 02:15Z
acht_sim_nort_bchkzlmd2aj	ach outgoing CREDIT	$2,591.30	SETTLED	15	clear	850	2026-08-19 00:16Z
acht_sim_nort_33dbe0hw27l	ach outgoing CREDIT	$3,586.72	SETTLED	0	clear	818	2026-08-17 02:01Z
acht_sim_nort_rao0rxy27r	ach outgoing DEBIT	$3,943.52	SETTLED	0	clear	812	2026-08-16 23:17Z
acht_sim_nort_8ojf0cak21a	ach outgoing CREDIT	$1,929.62	SETTLED	0	clear	765	2026-08-14 03:48Z
acht_sim_nort_f9zpluh21y	ach outgoing DEBIT	$3,138.96	SETTLED	0	clear	764	2026-08-14 03:47Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,325.04 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open