Entity · BUSINESS

Grove Co 018

Id: enti_sim_nort_bx5vibcw2r
Program: 030a8115-8109-4bdc-8e82-65ec40280d47
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-09-14 07:42Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

30n=77

Band

review

Confidence

1.00

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		1 unauthorized return(s) against it

Signals

Signal	Weight	Hard	Detail
entity.unauthorized_returns	+30		1 unauthorized return(s) against it

Inputs

{
  "n": 77,
  "alerts": {
    "opened": 8,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 1,
    "unauthorized": 1
  },
  "scoredN": 74,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.10810810810810811,
  "velocityRatio": 1.6297027571954115,
  "confidenceDecay": 1,
  "screeningAgeDays": 72,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 43
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	30	review	77	1.00	ers-v1
2026-09-17 19:31Z	0	clear	39	0.84	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 1 point. 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_nort_a5b8p3f13qf	ach outgoing CREDIT	$3,833.87	SUBMITTED	15	clear	1476	2026-09-17 05:07Z
acht_sim_nort_9sp170q33pc	ach outgoing DEBIT	$971.89	SETTLED	15	clear	1451	2026-09-15 20:16Z
acht_sim_nort_623lhrc53kk	ach outgoing DEBIT	$2,457.13	SETTLED	55	review	1418	2026-09-14 00:53Z
acht_sim_nort_9h536x1v3jk	ach outgoing DEBIT	$2,301.81	SETTLED	55	review	1404	2026-09-13 04:56Z
acht_sim_nort_14caia4k3j1	ach outgoing DEBIT	$2,245.39	SETTLED	15	clear	1374	2026-09-12 22:29Z
acht_sim_nort_6rg9vgtz3hj	ach outgoing CREDIT	$2,226.31	SETTLED	15	clear	1354	2026-09-11 22:02Z
acht_sim_nort_827buija3ce	ach outgoing DEBIT	$3,241.27	SETTLED	15	clear	1314	2026-09-09 05:40Z
acht_sim_nort_9u3ea9hj3cw	ach outgoing DEBIT	$923.79	SETTLED	15	clear	1300	2026-09-09 01:44Z
acht_sim_nort_6pq37wtu3a5	ach outgoing DEBIT	$851.48	SETTLED	25	clear	1275	2026-09-07 23:07Z
acht_sim_nort_9iznwojn3bb	ach outgoing CREDIT	$1,267.07	SETTLED	30	review	1267	2026-09-07 20:48Z
acht_sim_nort_80n0j8ap392	ach outgoing DEBIT	$1,610.48	SETTLED	15	clear	1257	2026-09-07 03:45Z
acht_sim_nort_2gld1waa37h	ach outgoing CREDIT	$1,157.62	SETTLED	15	clear	1247	2026-09-06 23:22Z
acht_sim_nort_7zdajq61385	ach outgoing DEBIT	$2,134.43	SETTLED	15	clear	1246	2026-09-06 22:52Z
acht_sim_nort_6dceo9jk36e	ach outgoing CREDIT	$3,917.66	SETTLED	30	review	1236	2026-09-06 05:48Z
acht_sim_nort_3li61iie35b	ach outgoing DEBIT	$1,260.71	SETTLED	15	clear	1206	2026-09-05 02:53Z
acht_sim_nort_8z3xqjk333a	ach outgoing CREDIT	$2,956.54	SETTLED	15	clear	1190	2026-09-04 20:25Z
acht_sim_nort_9vwzhrve31f	ach outgoing CREDIT	$3,139.54	SETTLED	15	clear	1171	2026-09-03 22:23Z
acht_sim_nort_1wzsmugn319	ach outgoing DEBIT	$2,924.71	SETTLED	55	review	1163	2026-09-03 03:53Z
acht_sim_nort_2t4001qq2zi	ach outgoing DEBIT	$1,220.20	SETTLED	55	review	1147	2026-09-02 04:13Z
acht_sim_nort_5rcqfeu92y3	ach outgoing CREDIT	$3,882.92	SETTLED	15	clear	1120	2026-08-31 22:51Z
acht_sim_nort_6f0lb3rl2w8	ach outgoing DEBIT	$1,127.22	SETTLED	0	clear	1101	2026-08-30 20:58Z
acht_sim_nort_6w5wb1l32tg	ach outgoing CREDIT	$2,018.38	SETTLED	0	clear	1066	2026-08-29 02:22Z
acht_sim_nort_agq0g16f2ta	ach outgoing DEBIT	$1,802.79	SETTLED	0	clear	1061	2026-08-29 00:54Z
acht_sim_nort_aexz0qbo2pc	ach outgoing CREDIT	$1,486.61	SETTLED	0	clear	1032	2026-08-27 03:19Z
acht_sim_nort_8oqzczf12pr	ach outgoing DEBIT	$2,731.37	SETTLED	0	clear	1028	2026-08-27 02:07Z
acht_sim_nort_3x2881nh2q0	ach outgoing DEBIT	$2,136.68	SETTLED	0	clear	1025	2026-08-26 22:58Z
acht_sim_nort_1zwup86g2mq	ach outgoing CREDIT	$1,516.18	SETTLED	0	clear	1015	2026-08-26 05:12Z
acht_sim_nort_8zf6awx52l8	ach outgoing CREDIT	$2,844.28	SETTLED	0	clear	989	2026-08-25 04:43Z
acht_sim_nort_8an8lq712gy	ach outgoing DEBIT	$1,126.29	SETTLED	0	clear	937	2026-08-23 02:11Z
acht_sim_nort_9mk50xfb2i5	ach outgoing DEBIT	$1,318.41	RETURNED	0	clear	926	2026-08-22 22:50Z
acht_sim_nort_4zyxhq552f9	ach outgoing DEBIT	$3,000.98	SETTLED	40	review	915	2026-08-22 03:37Z
acht_sim_nort_bwxr3ys02eo	ach outgoing CREDIT	$1,610.38	SETTLED	15	clear	902	2026-08-21 21:24Z
acht_sim_nort_7jbl4z2d2ef	ach outgoing DEBIT	$3,347.79	SETTLED	0	clear	896	2026-08-21 20:00Z
acht_sim_nort_1fz1pqcc2cg	ach outgoing DEBIT	$1,170.23	SETTLED	0	clear	880	2026-08-20 21:32Z
acht_sim_nort_2r0pc4es2bj	ach outgoing DEBIT	$3,471.11	SETTLED	0	clear	869	2026-08-20 01:54Z
acht_sim_nort_7umqrpgk2a1	ach outgoing CREDIT	$2,594.68	SETTLED	0	clear	854	2026-08-19 02:01Z
acht_sim_nort_2jj8s7mg29j	ach outgoing DEBIT	$1,548.68	SETTLED	0	clear	842	2026-08-18 20:04Z
acht_sim_nort_6p3gwzlk27i	ach outgoing CREDIT	$2,327.96	SETTLED	0	clear	823	2026-08-17 03:35Z
acht_sim_nort_52xflco226k	ach outgoing DEBIT	$1,035.36	SETTLED	15	clear	822	2026-08-17 03:12Z
acht_sim_nort_cbamj8pb24n	ach outgoing DEBIT	$1,836.32	SETTLED	0	clear	790	2026-08-15 20:53Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $2,457.13 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $2,301.81 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $1,267.07 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $3,917.66 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $2,924.71 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $1,220.20 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $3,000.98 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	burst_then_dormant	The entity made 5 transfers on 2026-08-03 and has been silent for 45 days since.	medium	null unscored	reviewed	open
2026-09-17 19:30Z	velocity_spike	Entity velocity spiked: 2 transfers and $2,630.68 in 24 hours.	medium	null unscored	reviewed	open