Entity · BUSINESS

Northwind Payroll

Id: enti_sim_nort_c2pb9mmf0
Program: 030a8115-8109-4bdc-8e82-65ec40280d47
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-07-17 10:05Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

25n=29

Band

clear

Confidence

0.75

Version

ers-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	ERS-HIS-01 A tenth or more of the entity's scored transfers landed in the hold band.	`entity.hold_share`	+25		17% of scored transfers in the hold band

Signals

Signal	Weight	Hard	Detail
entity.hold_share	+25		17% of scored transfers in the hold band

Inputs

{
  "n": 29,
  "alerts": {
    "opened": 6,
    "clearedByPerson": 0,
    "heldOrEscalated": 3
  },
  "returns": {
    "any": 0,
    "unauthorized": 0
  },
  "scoredN": 29,
  "holdShare": 0.1724137931034483,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.034482758620689655,
  "velocityRatio": 1.8413568010639796,
  "confidenceDecay": 1,
  "screeningAgeDays": 62,
  "observationAgeDays": 5,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 18
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	25	clear	29	0.75	ers-v1
2026-09-17 19:31Z	25	clear	15	0.57	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_6ig0jbh3qv	ach outgoing CREDIT	$945.32	SUBMITTED	15	clear	1454	2026-09-16 21:31Z
acht_sim_nort_2cd543bj3h1	ach outgoing DEBIT	$1,397.18	SETTLED	15	clear	1360	2026-09-12 01:15Z
acht_sim_nort_5jxxhi4j3g4	ach outgoing CREDIT	$2,615.16	SETTLED	0	clear	1347	2026-09-11 05:42Z
acht_sim_nort_6xady5cm3fm	ach outgoing CREDIT	$2,785.54	SETTLED	15	clear	1343	2026-09-11 03:53Z
acht_sim_nort_ad0def343ro	ach outgoing DEBIT	$9,272.04	SETTLED	45	hold	1284	2026-09-08 02:50Z
acht_sim_nort_cexzdp953at	ach outgoing CREDIT	$2,118.59	SETTLED	35	hold	1276	2026-09-07 23:11Z
acht_sim_nort_5o7ga0n23rl	ach outgoing DEBIT	$9,401.23	SETTLED	45	hold	1269	2026-09-07 21:50Z
acht_sim_nort_8qcep6k83ri	ach outgoing DEBIT	$9,181.61	SETTLED	10	clear	1263	2026-09-07 16:50Z
acht_sim_nort_1m6dag1d3rf	ach outgoing DEBIT	$9,884.42	SETTLED	10	clear	1262	2026-09-07 11:50Z
acht_sim_nort_9r03sfv030c	ach outgoing DEBIT	$1,217.33	SETTLED	0	clear	1157	2026-09-02 22:47Z
acht_sim_nort_6pjxk7402vw	ach outgoing CREDIT	$2,837.69	SETTLED	0	clear	1104	2026-08-30 23:01Z
acht_sim_nort_fvr8jql2r6	ach outgoing CREDIT	$1,340.63	SETTLED	0	clear	1045	2026-08-27 23:03Z
acht_sim_nort_axn80fhy2pu	ach outgoing CREDIT	$1,455.13	SETTLED	40	review	1032	2026-08-27 04:09Z
acht_sim_nort_9hopz4712qc	ach outgoing CREDIT	$1,652.14	SETTLED	0	clear	1033	2026-08-27 03:38Z
acht_sim_nort_bhaj8wn2255	ach outgoing CREDIT	$1,957.55	SETTLED	10	clear	800	2026-08-16 03:37Z
acht_sim_nort_2yvpjsnu23s	ach outgoing CREDIT	$2,008.27	SETTLED	0	clear	771	2026-08-14 20:52Z
acht_sim_nort_6kzbhona1ye	ach outgoing DEBIT	$1,058.10	SETTLED	0	clear	720	2026-08-12 00:46Z
acht_sim_nort_71xlv01u1qa	ach outgoing DEBIT	$1,552.80	SETTLED	0	clear	621	2026-08-07 01:39Z
acht_sim_nort_gbiemxi1o4	ach outgoing DEBIT	$966.44	SETTLED	0	clear	587	2026-08-05 20:42Z
acht_sim_nort_7wmaq2951mj	ach outgoing DEBIT	$1,203.62	SETTLED	0	clear	574	2026-08-04 23:44Z
acht_sim_nort_51ga15jq1js	ach outgoing DEBIT	$1,979.65	SETTLED	0	clear	537	2026-08-03 03:26Z
acht_sim_nort_7yiqcmeo1ec	ach outgoing DEBIT	$2,334.19	SETTLED	0	clear	490	2026-08-01 03:49Z
acht_sim_nort_3odudhhe3s0	ach outgoing DEBIT	$9,203.67	SETTLED	45	hold	419	2026-07-29 12:02Z
acht_sim_nort_6ctjvcvh3rx	ach outgoing DEBIT	$9,868.16	SETTLED	45	hold	418	2026-07-29 07:02Z
acht_sim_nort_8hcwo4043ru	ach outgoing DEBIT	$9,498.61	SETTLED	10	clear	408	2026-07-29 02:02Z
acht_sim_nort_5u34icut18d	ach outgoing DEBIT	$2,972.39	SETTLED	0	clear	403	2026-07-29 00:28Z
acht_sim_nort_ejgbw2e3rr	ach outgoing DEBIT	$9,144.42	SETTLED	10	clear	390	2026-07-28 21:02Z
acht_sim_nort_57vy70ntr6	ach outgoing DEBIT	$1,540.37	SETTLED	0	clear	201	2026-07-19 22:14Z
acht_sim_nort_4e6mw154mm	ach outgoing DEBIT	$1,987.75	COMPLETED	0	clear	144	2026-07-16 23:42Z
acht_sim_nort_1xj963djh2	ach outgoing DEBIT	$2,634.94	COMPLETED	0	clear	115	2026-07-15 05:23Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,272.04 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,401.23 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $2,634.94, above the program median, came 0.0 hours after verification.	medium	0 clear	reviewed	open
2026-09-17 19:31Z	structuring_pattern	The entity made 4 ACH debits just under $10,000 within 24 hours.	high	45 hold	reviewed	held
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 35 (hold band) on a $2,118.59 ach transfer: structuring.pattern.	high	35 hold	reviewed	held
2026-09-17 19:31Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	high	45 hold	reviewed	held
2026-09-17 19:31Z	amount_just_below_threshold	A single $9,884.42 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	low	10 clear	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,455.13 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,203.67 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held
2026-09-17 19:30Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,868.16 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held
2026-09-17 19:30Z	structuring_pattern	The entity made 4 ACH debits just under $10,000 within 24 hours.	high	45 hold	reviewed	held
2026-09-17 19:30Z	amount_just_below_threshold	A single $9,144.42 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	low	10 clear	reviewed	open