SKOOR Risk Money movement. Skoored by AI.

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Entity · BUSINESS · agent

Reconciliation Agent (Northwind) agent

Id: enti_sim_nort_cb1ugjcd46
Program: 030a8115-8109-4bdc-8e82-65ec40280d47
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-08-25 09:59Z
Country: US
Expected rails: ach
Operator entity: enti_sim_nort_c2pb9mmf0
Declared purpose: refund reconciliation
Declared scope: ach

Entity Risk Skoor Report →

Skoor

0n=67

Band

clear

Confidence

1.00

Version

ers-v1

Scored 2026-09-17 19:32Z.

Signals

No signals fired.

Inputs

{
  "n": 67,
  "alerts": {
    "opened": 4,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 0,
    "unauthorized": 0
  },
  "scoredN": 64,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.046875,
  "velocityRatio": 1.4704387064647042,
  "confidenceDecay": 1,
  "screeningAgeDays": 23,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 44
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	0	clear	67	1.00	ers-v1
2026-09-17 19:31Z	0	clear	36	0.80	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=67

Band

clear

Confidence

1.00

Version

ars-v1

Scored 2026-09-17 19:32Z.

Signals

No signals fired.

Inputs

{
  "n": 67,
  "base": "ers-v1",
  "scope": [
    "ach"
  ],
  "alerts": {
    "opened": 4,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "purpose": "refund reconciliation",
  "returns": {
    "any": 0,
    "unauthorized": 0
  },
  "scoredN": 64,
  "holdShare": 0,
  "pepStatus": "no",
  "railsUsed": [
    "ach"
  ],
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.046875,
  "velocityRatio": 1.4704387064647042,
  "confidenceDecay": 1,
  "operatorEntityId": "enti_sim_nort_c2pb9mmf0",
  "screeningAgeDays": 23,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 44
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	0	clear	67	1.00	ars-v1
2026-09-17 19:31Z	0	clear	36	0.80	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_7y3iiesa3r9	ach outgoing CREDIT	$3,509.27	SUBMITTED	0	clear	1471	2026-09-17 02:44Z
acht_sim_nort_3sd9m6mj3o9	ach outgoing CREDIT	$2,966.50	SETTLED	0	clear	1471	2026-09-16 04:50Z
acht_sim_nort_akpo5g4n3n5	ach outgoing CREDIT	$1,512.57	SETTLED	0	clear	1443	2026-09-15 02:04Z
acht_sim_nort_o81eruw3m3	ach outgoing CREDIT	$1,963.13	SETTLED	0	clear	1442	2026-09-15 01:44Z
acht_sim_nort_8ihypfm53n2	ach outgoing CREDIT	$1,760.42	SETTLED	15	clear	1434	2026-09-14 21:03Z
acht_sim_nort_bxfsjzra3id	ach outgoing CREDIT	$1,985.71	SETTLED	15	clear	1409	2026-09-13 05:55Z
acht_sim_nort_51y0ruf63ia	ach outgoing DEBIT	$1,330.65	SETTLED	15	clear	1404	2026-09-13 04:55Z
acht_sim_nort_9on2c6jx3jg	ach outgoing DEBIT	$3,263.11	RETURNED	0	clear	1402	2026-09-13 04:19Z
acht_sim_nort_55fdr5bn3k2	ach outgoing DEBIT	$1,103.88	SETTLED	10	clear	1372	2026-09-12 21:41Z
acht_sim_nort_25lpm5yy3gs	ach outgoing DEBIT	$1,646.87	SETTLED	10	clear	1363	2026-09-12 03:26Z
acht_sim_nort_7ctcstnw3es	ach outgoing CREDIT	$889.17	SETTLED	0	clear	1331	2026-09-10 03:10Z
acht_sim_nort_bg9vgdu93el	ach outgoing DEBIT	$2,148.02	MANUAL_REVIEW	15	clear	1313	2026-09-10 02:56Z
acht_sim_nort_9shtmzf23dx	ach outgoing DEBIT	$1,873.97	SETTLED	0	clear	1322	2026-09-10 00:00Z
acht_sim_nort_79ry217t3c8	ach outgoing CREDIT	$1,967.39	SETTLED	0	clear	1306	2026-09-09 03:34Z
acht_sim_nort_96w85n3f3c2	ach outgoing DEBIT	$1,778.37	SETTLED	15	clear	1292	2026-09-08 21:27Z
acht_sim_nort_9hnp187q3az	ach outgoing CREDIT	$1,493.24	SETTLED	10	clear	1282	2026-09-08 01:24Z
acht_sim_nort_bsy5gec372	ach outgoing DEBIT	$933.34	SETTLED	0	clear	1219	2026-09-05 22:11Z
acht_sim_nort_1g8wpacp33v	ach outgoing CREDIT	$4,028.15	SETTLED	0	clear	1200	2026-09-05 00:27Z
acht_sim_nort_94f95f1s33p	ach outgoing CREDIT	$3,561.59	SETTLED	0	clear	1192	2026-09-04 21:16Z
acht_sim_nort_34san3oq30l	ach outgoing DEBIT	$3,875.50	SETTLED	0	clear	1158	2026-09-02 23:56Z
acht_sim_nort_88bs9obo2z3	ach outgoing DEBIT	$2,419.91	SETTLED	0	clear	1143	2026-09-02 02:10Z
acht_sim_nort_39lzolvh2xu	ach outgoing CREDIT	$2,979.72	SETTLED	0	clear	1131	2026-09-01 05:03Z
acht_sim_nort_6ie86cfq2yc	ach outgoing CREDIT	$3,130.03	SETTLED	0	clear	1116	2026-08-31 21:00Z
acht_sim_nort_1qb4tayf2ts	ach outgoing CREDIT	$934.65	SETTLED	15	clear	1090	2026-08-30 02:40Z
acht_sim_nort_4dlujb7q2tz	ach outgoing DEBIT	$1,094.12	SETTLED	0	clear	1081	2026-08-29 21:20Z
acht_sim_nort_5htj4ssz2sp	ach outgoing CREDIT	$3,197.72	SETTLED	0	clear	1074	2026-08-29 04:51Z
acht_sim_nort_1hwd4k9u2s1	ach outgoing CREDIT	$3,969.33	SETTLED	25	clear	1058	2026-08-29 00:19Z
acht_sim_nort_apsb9gf92rc	ach outgoing CREDIT	$1,603.16	SETTLED	0	clear	1041	2026-08-27 21:13Z
acht_sim_nort_9ko4vjx42me	ach outgoing DEBIT	$903.52	SETTLED	0	clear	996	2026-08-25 20:19Z
acht_sim_nort_f2otehn2gf	ach outgoing DEBIT	$856.29	SETTLED	0	clear	942	2026-08-23 04:42Z
acht_sim_nort_keymryz2hn	ach outgoing CREDIT	$854.17	SETTLED	0	clear	923	2026-08-22 20:27Z
acht_sim_nort_40ptsj8s2ei	ach outgoing CREDIT	$3,187.67	SETTLED	10	clear	914	2026-08-22 02:19Z
acht_sim_nort_84fozigd2do	ach outgoing DEBIT	$1,870.59	SETTLED	40	review	892	2026-08-21 04:28Z
acht_sim_nort_cgzi9ewj2du	ach outgoing DEBIT	$3,888.52	SETTLED	40	review	881	2026-08-20 22:03Z
acht_sim_nort_1jzr0wqi2ad	ach outgoing CREDIT	$904.48	SETTLED	0	clear	848	2026-08-18 23:58Z
acht_sim_nort_84as7icx276	ach outgoing CREDIT	$3,082.65	SETTLED	0	clear	811	2026-08-16 23:08Z
acht_sim_nort_3dx74n5225z	ach outgoing CREDIT	$1,299.05	SETTLED	0	clear	802	2026-08-16 04:37Z
acht_sim_nort_63q2iazg24a	ach outgoing CREDIT	$3,129.38	SETTLED	0	clear	787	2026-08-15 05:36Z
acht_sim_nort_ce26yhga1xz	ach outgoing DEBIT	$2,988.17	SETTLED	0	clear	724	2026-08-12 03:09Z
acht_sim_nort_7lu3oy4q1wn	ach outgoing CREDIT	$2,109.48	SETTLED	0	clear	702	2026-08-11 01:48Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:31Z	first_time_counterparty_large	First transfer to a new counterparty, $3,969.33, above the program's 95th percentile.	medium	25 clear	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,870.59 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	velocity_spike	Entity velocity spiked: 1 transfers and $2,943.37 in 24 hours.	medium	null unscored	reviewed	open