Entity · BUSINESS

Fern Studio 05

Id: enti_sim_nort_aasic8tu1e
Program: 030a8115-8109-4bdc-8e82-65ec40280d47
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-08-25 13:10Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

10n=31

Band

clear

Confidence

0.77

Version

ers-v1

Scored 2026-09-17 19:32Z.

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 2.5× its prior monthly volume

Signals

Signal	Weight	Hard	Detail
entity.velocity	+10		last 30 days 2.5× its prior monthly volume

Inputs

{
  "n": 31,
  "alerts": {
    "opened": 3,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 1,
    "unauthorized": 0
  },
  "scoredN": 29,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.06896551724137931,
  "velocityRatio": 2.518847155887886,
  "confidenceDecay": 1,
  "screeningAgeDays": 23,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 27
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	10	clear	31	0.77	ers-v1
2026-09-17 19:31Z	0	clear	13	0.54	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_nort_f1ufcka3r5	ach outgoing DEBIT	$2,810.52	SUBMITTED	0	clear	1466	2026-09-16 23:05Z
acht_sim_nort_46izkpuq3jz	ach outgoing DEBIT	$2,991.85	SETTLED	0	clear	1386	2026-09-13 02:03Z
acht_sim_nort_5cczut9m3em	ach outgoing CREDIT	$2,946.27	SETTLED	40	review	1331	2026-09-10 05:15Z
acht_sim_nort_ccx58dir3dk	ach outgoing DEBIT	$2,490.40	SETTLED	15	clear	1316	2026-09-09 21:02Z
acht_sim_nort_awkeveay38h	ach outgoing DEBIT	$1,030.95	SETTLED	0	clear	1254	2026-09-07 01:47Z
acht_sim_nort_ah21s6u334t	ach outgoing CREDIT	$1,108.00	SETTLED	15	clear	1198	2026-09-04 23:16Z
acht_sim_nort_80t1hc5032m	ach outgoing CREDIT	$1,325.73	SETTLED	15	clear	1180	2026-09-04 01:11Z
acht_sim_nort_6dwr22c22wn	ach outgoing CREDIT	$1,905.56	SETTLED	0	clear	1103	2026-08-30 22:15Z
acht_sim_nort_6u2o82472sa	ach outgoing CREDIT	$873.12	SETTLED	0	clear	1064	2026-08-29 01:43Z
acht_sim_nort_5ww954b92ot	ach outgoing DEBIT	$3,231.63	HOLD	5	clear	1017	2026-08-27 05:15Z
acht_sim_nort_81ol0qoj2px	ach outgoing DEBIT	$1,271.06	SETTLED	0	clear	1037	2026-08-27 05:06Z
acht_sim_nort_78a7nkhg2l2	ach outgoing DEBIT	$2,874.32	SETTLED	0	clear	970	2026-08-24 21:12Z
acht_sim_nort_3gea7inn2js	ach outgoing CREDIT	$3,422.94	SETTLED	15	clear	968	2026-08-24 05:18Z
acht_sim_nort_1o9oydkg2fc	ach outgoing CREDIT	$2,176.07	SETTLED	0	clear	920	2026-08-22 04:33Z
acht_sim_nort_3yr04cj42e9	ach outgoing CREDIT	$1,423.77	SETTLED	0	clear	910	2026-08-22 01:07Z
acht_sim_nort_864pajti2ex	ach outgoing CREDIT	$1,137.78	SETTLED	0	clear	908	2026-08-22 00:14Z
acht_sim_nort_9b2e32gi2d5	ach outgoing CREDIT	$3,590.68	SETTLED	0	clear	895	2026-08-21 04:57Z
acht_sim_nort_85uumgni2d8	ach outgoing CREDIT	$1,590.43	RETURNED	0	clear	891	2026-08-21 03:54Z
acht_sim_nort_3mvvpc942c7	ach outgoing DEBIT	$3,156.29	SETTLED	40	review	871	2026-08-20 02:25Z
acht_sim_nort_5wuenequ209	ach outgoing DEBIT	$1,212.95	SETTLED	0	clear	737	2026-08-13 01:27Z
acht_sim_nort_535aitba1ug	ach outgoing CREDIT	$2,313.48	SETTLED	0	clear	654	2026-08-08 20:01Z
acht_sim_nort_aun5uq9m1sn	ach outgoing DEBIT	$2,785.32	SETTLED	0	clear	647	2026-08-08 05:00Z
acht_sim_nort_3ve9qsyy1m1	ach outgoing CREDIT	$3,670.36	SETTLED	0	clear	573	2026-08-04 22:38Z
acht_sim_nort_546bbuoj1l7	ach outgoing CREDIT	$3,317.14	SETTLED	0	clear	561	2026-08-04 01:26Z
acht_sim_nort_7x7qpcn71fx	ach outgoing DEBIT	$1,154.50	SETTLED	0	clear	499	2026-08-01 21:12Z
acht_sim_nort_2lyeybvp12y	ach outgoing DEBIT	$1,531.61	SETTLED	0	clear	336	2026-07-25 23:39Z
acht_sim_nort_5q5oo1wl10u	ach outgoing CREDIT	$3,880.17	SETTLED	25	clear	323	2026-07-25 04:26Z
acht_sim_nort_4689icno109	ach outgoing DEBIT	$1,318.42	SETTLED	0	clear	316	2026-07-24 23:54Z
acht_sim_nort_qm1gm9ik6	ach outgoing CREDIT	$1,840.90	COMPLETED	0	clear	157	2026-07-17 03:38Z
acht_sim_nort_84nek0mjga	ach outgoing DEBIT	$2,409.59	COMPLETED	10	clear	109	2026-07-15 03:37Z
acht_sim_nort_bkm21lvsci	ach outgoing CREDIT	$3,716.41	COMPLETED	0	clear	76	2026-07-13 04:28Z
acht_sim_nort_1vth1eq26a	ach outgoing DEBIT	$1,455.89	COMPLETED	null	unscored	20	2026-07-10 05:52Z

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 $2,946.27 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 $3,156.29 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	first_time_counterparty_large	First transfer to a new counterparty, $3,880.17, above the program's 95th percentile.	medium	25 clear	reviewed	open