Entity · BUSINESS

Alder Co 012

Id: enti_sim_nort_co4ak19h24
Program: 030a8115-8109-4bdc-8e82-65ec40280d47
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-09-03 03:14Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

30n=48

Band

review

Confidence

0.98

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": 48,
  "alerts": {
    "opened": 5,
    "clearedByPerson": 0,
    "heldOrEscalated": 0
  },
  "returns": {
    "any": 2,
    "unauthorized": 1
  },
  "scoredN": 48,
  "holdShare": 0,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.10416666666666667,
  "velocityRatio": 0.7525860864756073,
  "confidenceDecay": 1,
  "screeningAgeDays": 14,
  "observationAgeDays": 7,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 30
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	30	review	48	0.98	ers-v1
2026-09-17 19:31Z	30	review	32	0.77	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_7jafgj963lr	ach outgoing CREDIT	$2,493.37	SETTLED	40	review	1424	2026-09-14 03:28Z
acht_sim_nort_6uf3jria3ec	ach outgoing CREDIT	$1,138.00	SETTLED	0	clear	1329	2026-09-10 02:14Z
acht_sim_nort_3s8gcqcv3ah	ach outgoing CREDIT	$842.18	SETTLED	40	review	1280	2026-09-08 00:59Z
acht_sim_nort_asnrqz0q39n	ach outgoing DEBIT	$2,845.24	SETTLED	0	clear	1273	2026-09-07 23:04Z
acht_sim_nort_ayywdu72344	ach outgoing DEBIT	$978.39	RETURNED	0	clear	1193	2026-09-04 21:20Z
acht_sim_nort_2lc3m6nt2yx	ach outgoing DEBIT	$2,541.39	SETTLED	0	clear	1150	2026-09-02 05:54Z
acht_sim_nort_7on0usyz2x8	ach outgoing DEBIT	$2,258.00	SETTLED	40	review	1128	2026-09-01 04:20Z
acht_sim_nort_1n77cig42x5	ach outgoing CREDIT	$1,428.27	SETTLED	10	clear	1125	2026-09-01 02:14Z
acht_sim_nort_87s65h4s2w5	ach outgoing DEBIT	$952.47	SETTLED	0	clear	1102	2026-08-30 21:30Z
acht_sim_nort_5e9awk6v2u2	ach outgoing DEBIT	$867.16	SETTLED	0	clear	1092	2026-08-30 03:59Z
acht_sim_nort_h0ohwbh2qo	ach outgoing CREDIT	$1,110.68	SETTLED	10	clear	1048	2026-08-27 23:36Z
acht_sim_nort_11yb2b522n8	ach outgoing CREDIT	$2,175.21	SETTLED	0	clear	1002	2026-08-25 23:15Z
acht_sim_nort_8ehr72bi2kn	ach outgoing CREDIT	$915.42	SETTLED	0	clear	980	2026-08-25 01:12Z
acht_sim_nort_1sbwpu3p2kh	ach outgoing DEBIT	$2,761.37	SETTLED	0	clear	975	2026-08-24 23:17Z
acht_sim_nort_5ww09oci2m8	ach outgoing CREDIT	$2,543.39	SETTLED	40	review	971	2026-08-24 23:01Z
acht_sim_nort_91s5lcct29s	ach outgoing DEBIT	$3,042.12	SETTLED	0	clear	858	2026-08-19 05:55Z
acht_sim_nort_6m5cf3vx28f	ach outgoing DEBIT	$1,526.94	SETTLED	0	clear	836	2026-08-18 01:24Z
acht_sim_nort_bsyqpxia22s	ach outgoing CREDIT	$886.25	SETTLED	10	clear	761	2026-08-14 01:19Z
acht_sim_nort_22ctcenm1zn	ach outgoing DEBIT	$3,874.56	SETTLED	0	clear	738	2026-08-13 01:35Z
acht_sim_nort_9tebmtnm1yk	ach outgoing DEBIT	$906.88	SETTLED	0	clear	713	2026-08-11 20:37Z
acht_sim_nort_3m3hnvvt1wb	ach outgoing DEBIT	$3,028.12	SETTLED	0	clear	699	2026-08-11 00:04Z
acht_sim_nort_19nwo5dc1w8	ach outgoing CREDIT	$1,405.27	SETTLED	0	clear	696	2026-08-10 22:48Z
acht_sim_nort_cjpv3pdr1qj	ach outgoing CREDIT	$836.19	SETTLED	0	clear	628	2026-08-07 03:56Z
acht_sim_nort_ql1wwc51pg	ach outgoing DEBIT	$1,449.34	SETTLED	0	clear	625	2026-08-07 02:27Z
acht_sim_nort_blbhnq631od	ach outgoing CREDIT	$3,316.61	SETTLED	0	clear	600	2026-08-06 01:27Z
acht_sim_nort_1zo4mxl71ns	ach outgoing DEBIT	$884.65	SETTLED	0	clear	594	2026-08-06 00:06Z
acht_sim_nort_bcf649xz1la	ach outgoing CREDIT	$3,588.08	SETTLED	0	clear	555	2026-08-03 23:19Z
acht_sim_nort_c511koxh1fc	ach outgoing DEBIT	$1,610.07	SETTLED	0	clear	484	2026-08-01 00:06Z
acht_sim_nort_api37x0z1fo	ach outgoing DEBIT	$957.69	SETTLED	0	clear	482	2026-07-31 23:40Z
acht_sim_nort_bbfi1pa01do	ach outgoing DEBIT	$1,018.31	SETTLED	0	clear	479	2026-07-31 23:21Z
acht_sim_nort_a7vi4iqo1di	ach outgoing CREDIT	$3,201.46	SETTLED	40	review	464	2026-07-31 04:26Z
acht_sim_nort_4jbr3t4g1bs	ach outgoing DEBIT	$1,718.96	SETTLED	15	clear	463	2026-07-31 03:04Z
acht_sim_nort_3swemk8s1cd	ach outgoing CREDIT	$4,071.50	RETURNED	0	clear	460	2026-07-31 01:28Z
acht_sim_nort_1t22wnpv1cu	ach outgoing CREDIT	$3,782.39	SETTLED	0	clear	453	2026-07-30 22:05Z
acht_sim_nort_43sk6kbg1av	ach outgoing CREDIT	$1,127.30	SETTLED	0	clear	433	2026-07-29 23:43Z
acht_sim_nort_aod6iomn1bd	ach outgoing DEBIT	$1,457.73	SETTLED	0	clear	424	2026-07-29 21:19Z
acht_sim_nort_ahvf3f2z17y	ach outgoing CREDIT	$1,054.86	SETTLED	40	review	412	2026-07-29 03:05Z
acht_sim_nort_5mbwlqxd16m	ach outgoing DEBIT	$1,748.32	SETTLED	0	clear	382	2026-07-28 00:40Z
acht_sim_nort_bfvp3olh16j	ach outgoing CREDIT	$1,810.89	SETTLED	0	clear	370	2026-07-27 20:46Z
acht_sim_nort_4l9tdw64st	ach outgoing CREDIT	$2,354.60	SETTLED	0	clear	236	2026-07-21 03:19Z

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 $2,493.37 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 $842.18 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 $2,543.39 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $3,201.46 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,054.86 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open