SKOOR Risk Money movement. Skoored by AI.

Program

Northwind Payroll (simulated)

Program report → · Weekly program risk report →

Program Skoor
55n=7417
Skoor version
prs-v1
KRI window
60 days, as of 2026-09-18 01:14Z
Declared monthly volume
$2,500,000.00
Declared rails
ach
Declared countries
US
Source
simulated

Key risk indicators

KRIValuenThresholdStatusNote
frozen_accounts020ok
hold_aging_hours523.9979841666667224watch
overdraft_events020ok
manual_review_rate0.9%13372.0%ok
card_fraud_declinesnull00unmeasured
pep_flagged_entities1340watch
velocity_vs_declared60.0%672150.0%ok
stale_screening_share0.0%3420.0%ok
high_risk_entity_share5.9%345.0%watch
reserve_coverage_ratio108.1%645100.0%ok
ach_overall_return_rate1.2%64515.0%ok
verification_denial_rate2.9%345.0%ok
manual_review_aging_hours1364.59298416666661248breach
ach_unauthorized_return_rate0.2%6450.5%ok
sanctioned_country_transfers013370ok
ach_administrative_return_rate0.5%6453.0%ok
counterparty_concentration_top18.6%133750.0%ok

Recent alerts

OpenedDetectorSummarySeveritySkoorRouteStatusDue
2026-09-18 00:14Zmanual_review_aging13 transfer(s) have sat in manual review for up to 1439 hours.mediumnull unscoredreviewedopendue 2026-09-25 00:14Z
2026-09-17 23:15Zskoor_holdTransaction Risk Skoor 45 (hold band) on a $9,700.00 ach transfer: amount.gt_3x_median, structuring.pattern.high45 holdreviewedhelddue 2026-09-18 23:15Z
2026-09-17 23:15Zskoor_holdTransaction Risk Skoor 45 (hold band) on a $9,500.00 ach transfer: amount.gt_3x_median, structuring.pattern.high45 holdreviewedhelddue 2026-09-18 23:15Z
2026-09-17 23:14Zstructuring_patternThe entity made 3 ACH debits just under $10,000 within 24 hours.high45 holdreviewedhelddue 2026-09-18 23:14Z
2026-09-17 23:13Zamount_just_below_thresholdA single $9,100.00 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.low35 reviewreviewedopendue 2026-09-20 23:13Z
2026-09-17 23:13Zfirst_time_counterparty_largeFirst transfer to a new counterparty, $9,100.00, above the program's 95th percentile.medium35 reviewreviewedopendue 2026-09-20 23:13Z
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 100 (hold band) on a $2,400.00 ach transfer: entity.denied, entity.high_risk, returns.counterparty_prior_unauthorized.high100 holdreviewedheldno clock
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 45 (hold band) on a $9,272.04 ach transfer: amount.gt_3x_median, structuring.pattern.high45 holdreviewedheldno clock
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 45 (hold band) on a $9,401.23 ach transfer: amount.gt_3x_median, structuring.pattern.high45 holdreviewedheldno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status no, high risk).high100 holdreviewedheldno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $2,853.28 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $1,795.21 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status no, high risk).high35 reviewreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status potential).high15 clearreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status potential).high15 clearreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status no, high risk).high60 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $1,420.51 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $1,576.58 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zrapid_onboardingThe entity's first transfer, $3,028.64, above the program median, came 0.0 hours after verification.medium15 clearreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status potential).high15 clearreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status potential).high30 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $2,493.37 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status no, high risk).high20 clearreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 55 (review band) on a $2,457.13 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.medium55 reviewreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status no, high risk).high20 clearreviewedopenno clock

Recent transfers

TransferRailAmountStatusSkoorBandnCreated
acht_sb_9f64fcb36bd51819ach outgoing DEBIT$9,700.00SETTLED45hold14802026-09-17 23:13Z
acht_sb_e60f0401e03ddf10ach outgoing DEBIT$2,500.00SETTLED10clear14762026-09-17 23:13Z
acht_sb_369a4cf950d56226ach outgoing DEBIT$9,500.00SETTLED45hold14782026-09-17 18:13Z
acht_sb_e202fc8f25ac73a4ach outgoing DEBIT$9,300.00SETTLED10clear14772026-09-17 13:13Z
acht_sb_33c93fbe7c831401ach outgoing DEBIT$9,100.00SETTLED35review14762026-09-17 08:13Z
acht_sim_nort_gtss3k33r3ach outgoing CREDIT$3,145.66SUBMITTED0clear14762026-09-17 05:44Z
acht_sim_nort_a5b8p3f13qfach outgoing CREDIT$3,833.87SUBMITTED15clear14762026-09-17 05:07Z
acht_sim_nort_5j0pi4tt3qhach outgoing CREDIT$3,344.50SUBMITTED0clear14762026-09-17 03:45Z
acht_sim_nort_8tvvrw5j3qdach outgoing CREDIT$1,506.82SUBMITTED0clear14762026-09-17 03:33Z
acht_sim_nort_7y3iiesa3r9ach outgoing CREDIT$3,509.27SUBMITTED0clear14712026-09-17 02:44Z
acht_sim_nort_3x30jdg73q3ach outgoing CREDIT$3,133.25SUBMITTED30review14712026-09-17 02:24Z
acht_sim_nort_5indbd7q3qrach outgoing CREDIT$1,874.30SUBMITTED40review14712026-09-17 02:11Z
acht_sim_nort_5fvrapjy3rbach outgoing DEBIT$1,076.11SUBMITTED0clear14712026-09-17 02:02Z
acht_sim_nort_8p77zp693qjach outgoing CREDIT$3,527.48SUBMITTED15clear14712026-09-17 01:53Z
acht_sim_nort_7k4l9nj3q9ach outgoing CREDIT$1,727.01SUBMITTED0clear14712026-09-17 01:40Z
acht_sim_nort_11c60aju3qxach outgoing CREDIT$1,740.76SUBMITTED15clear14662026-09-17 00:39Z
acht_sim_nort_55s1xvl83qpach outgoing CREDIT$2,753.10SUBMITTED10clear14662026-09-17 00:37Z
acht_sim_nort_5wlw6vr53qbach outgoing CREDIT$1,782.43SUBMITTED10clear14662026-09-17 00:14Z
acht_sim_nort_2rj03nns3q5ach outgoing CREDIT$2,788.23SUBMITTED0clear14662026-09-16 23:50Z
acht_sim_nort_8y9a1zhs3qlach outgoing CREDIT$2,574.58SUBMITTED0clear14662026-09-16 23:50Z
acht_sim_nort_b0uurzoa3qtach outgoing DEBIT$1,187.89SUBMITTED0clear14662026-09-16 23:28Z
acht_sim_nort_4j69yqoi3r1ach outgoing CREDIT$2,304.26SUBMITTED10clear14662026-09-16 23:24Z
acht_sim_nort_3ub01luu3q7ach outgoing DEBIT$1,991.51SUBMITTED15clear14662026-09-16 23:22Z
acht_sim_nort_f1ufcka3r5ach outgoing DEBIT$2,810.52SUBMITTED0clear14662026-09-16 23:05Z
acht_sim_nort_5jwdzled3rdach outgoing CREDIT$904.63SUBMITTED0clear14662026-09-16 22:57Z
acht_sim_nort_5xf7i19o3qnach outgoing CREDIT$1,867.03SUBMITTED0clear14662026-09-16 22:45Z
acht_sim_nort_6ig0jbh3qvach outgoing CREDIT$945.32SUBMITTED15clear14542026-09-16 21:31Z
acht_sim_nort_40iq0jt3qzach outgoing CREDIT$1,512.41SUBMITTED0clear14542026-09-16 21:20Z
acht_sim_nort_6qg4g3kr3r7ach outgoing DEBIT$2,060.51SUBMITTED40review14542026-09-16 20:52Z
acht_sim_nort_a0kz04hi3q0ach outgoing CREDIT$2,853.28SETTLED40review14752026-09-16 05:40Z
acht_sim_nort_4mn53zr3pfach outgoing DEBIT$3,159.16SETTLED55review14742026-09-16 05:38Z
acht_sim_nort_7nfpztsr3o3ach outgoing DEBIT$2,109.82SETTLED0clear14732026-09-16 05:33Z
acht_sim_nort_8w6ortxn3pxach outgoing DEBIT$2,557.79SETTLED15clear14722026-09-16 04:59Z
acht_sim_nort_3sd9m6mj3o9ach outgoing CREDIT$2,966.50SETTLED0clear14712026-09-16 04:50Z
acht_sim_nort_4eahoyu83nxach outgoing DEBIT$1,795.21SETTLED40review14702026-09-16 04:08Z
acht_sim_nort_9xsmcni43oxach outgoing DEBIT$4,106.05SETTLED15clear14692026-09-16 03:21Z
acht_sim_nort_6rsqmibf3poach outgoing DEBIT$869.33SETTLED0clear14682026-09-16 03:14Z
acht_sim_nort_3tzcp74a3o6ach outgoing CREDIT$1,565.00SETTLED35review14672026-09-16 02:38Z
acht_sim_nort_ok8h1713p6ach outgoing CREDIT$3,287.23SETTLED10clear14662026-09-16 02:25Z
acht_sim_nort_4sek6c183puach outgoing DEBIT$3,737.02SETTLED0clear14652026-09-16 02:15Z

Entities

Each entity carries an Entity Risk Skoor from its own history on this program; an entity tagged as an agent also carries an Agent Risk Skoor.

EntityTypeEntity SkoorAgent SkoorVerificationHigh riskPEPLast screened
Sandbox Structurer enti_sb_b97299e172269885PERSONnulln=4 unscoredVERIFIEDnono2026-09-15 08:14Z
Grove Co 018 enti_sim_nort_bx5vibcw2rBUSINESS30n=77 reviewVERIFIEDnono2026-09-14 07:42Z
Dune LLC 03 enti_sim_nort_67nmsu8q16PERSON0n=62 clearVERIFIEDnono2026-09-13 13:45Z
Alder Co 00 enti_sim_nort_ahjigjsxuBUSINESS0n=50 clearVERIFIEDnono2026-09-11 12:31Z
Grove Co 06 enti_sim_nort_318e3k7b1iBUSINESS30n=68 reviewVERIFIEDnono2026-09-10 08:51Z
Juniper LLC 021 enti_sim_nort_2fxccgy133PERSON40n=48 reviewVERIFIEDnono2026-09-10 00:41Z
Kestrel Partners 010 enti_sim_nort_9qf1pvvp1wPERSON0n=34 clearVERIFIEDnono2026-09-09 02:37Z
Cedar Services 026 enti_sim_nort_6n8rzo7q3nPERSON0n=34 clearVERIFIEDnono2026-09-06 23:57Z
Birch Holdings 013 enti_sim_nort_a5hx06se28BUSINESS0n=50 clearVERIFIEDnono2026-09-04 11:49Z
Heath Holdings 07 enti_sim_nort_60saz5iv1mPERSON0n=32 clearVERIFIEDnono2026-09-04 01:08Z
Payout Agent (Northwind) enti_sim_nort_9rqujo9v42 agentBUSINESS0n=74 clear0n=74 clearVERIFIEDnono2026-09-03 16:47Z
Alder Co 012 enti_sim_nort_co4ak19h24BUSINESS30n=48 reviewVERIFIEDnono2026-09-03 03:14Z
Kestrel Partners 022 enti_sim_nort_b408fp2t37BUSINESS10n=67 clearVERIFIEDnono2026-09-02 22:24Z
Larch Studio 023 enti_sim_nort_1ekbu85q3bBUSINESS0n=26 clearVERIFIEDnono2026-09-02 20:35Z
Iris Services 020 enti_sim_nort_70vkcofa2zBUSINESS0n=59 clearVERIFIEDnono2026-09-01 16:39Z
Potential Pep 0 enti_sim_nort_sr7cv2o3uPERSON15n=26 clearVERIFIEDnopotential2026-09-01 16:03Z
Cedar Services 02 enti_sim_nort_agkdn10v12BUSINESS0n=58 clearVERIFIEDnono2026-09-01 12:19Z
Dune LLC 015 enti_sim_nort_8t15w9uc2fPERSON0n=71 clearVERIFIEDnono2026-08-30 19:00Z
Heath Holdings 019 enti_sim_nort_2vs0voet2vBUSINESS0n=29 clearVERIFIEDnono2026-08-28 14:50Z
Elm Partners 016 enti_sim_nort_b6q1x3vh2jBUSINESS30n=37 reviewVERIFIEDnono2026-08-28 06:41Z
Birch Holdings 01 enti_sim_nort_33z4ba6xyPERSON0n=30 clearVERIFIEDnono2026-08-26 21:00Z
Fern Studio 05 enti_sim_nort_aasic8tu1eBUSINESS10n=31 clearVERIFIEDnono2026-08-25 13:10Z
Reconciliation Agent (Northwind) enti_sim_nort_cb1ugjcd46 agentBUSINESS0n=67 clear0n=67 clearVERIFIEDnono2026-08-25 09:59Z
Elm Partners 04 enti_sim_nort_8j5gqt881aBUSINESS0n=44 clearVERIFIEDnono2026-08-24 13:14Z
Birch Holdings 025 enti_sim_nort_4ab4tij93jBUSINESS10n=22 clearVERIFIEDnono2026-08-23 05:52Z
Fern Studio 017 enti_sim_nort_1te2fh6b2nPERSON0n=64 clearVERIFIEDnono2026-08-19 02:28Z
High Risk Trading 0 enti_sim_nort_91eod4q93yBUSINESS65n=65 reviewVERIFIEDyesno2026-08-18 14:18Z
Alder Co 024 enti_sim_nort_xsikf3n3fBUSINESS0n=83 clearVERIFIEDnono2026-08-17 09:53Z
Larch Studio 011 enti_sim_nort_5j1q477k20BUSINESS0n=49 clearVERIFIEDnono2026-08-14 10:49Z
Northwind Payroll enti_sim_nort_c2pb9mmf0BUSINESS25n=29 clearVERIFIEDnono2026-07-17 10:05Z
Cedar Services 014 enti_sim_nort_6agvw5v42cBUSINESSnulln=0 unscoredMANUAL_REVIEWnono2026-07-08 18:55Z
Juniper LLC 09 enti_sim_nort_5r3eycsv1tBUSINESSnulln=0 unscoredMANUAL_REVIEWnono2026-07-06 11:11Z
Denied Origin 0 enti_sim_nort_4ndrgqqi3rPERSON100n=2 holdDENIEDyesno2026-06-24 12:01Z
Iris Services 08 enti_sim_nort_3g2axlcb1qBUSINESSnulln=0 unscoredMANUAL_REVIEWnono2026-06-20 23:40Z

Counterparties

Each counterparty carries a Counterparty Risk Skoor from every transfer to or from it across the bank, not only this program.

CounterpartyCountryCounterparty SkoorAgent SkoorPrograms paying itReturns drawnFirst seen
Sandbox counterparty cpty_sb_5273f877d77233b3USnulln=1 unscored10 · 0 unauthorized2026-09-17 23:13Z
Receiver 156 cpty_sim_nort_61nq6hes3q3nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 158 cpty_sim_nort_2x32pt8h3qpnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 157 cpty_sim_nort_a7epy3pt3qbnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 159 cpty_sim_nort_xzvf03x3r1nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 154 cpty_sim_nort_6qf1mco43p6nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 155 cpty_sim_nort_9t41xgkr3pinulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 153 cpty_sim_nort_28cwwir3llnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 152 cpty_sim_nort_8md44lrb3lfnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 162 cpty_sim_nort_cqs7cf303t6nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 150 cpty_sim_nort_5c1zroxo3jwnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 161 cpty_sim_nort_38a2pdrh3sinulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 151 cpty_sim_nort_3z5pyuey3k2nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 147 cpty_sim_nort_48e0s7ye3gsnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 148 cpty_sim_nort_2jisvhct3hanulln=2 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 149 cpty_sim_nort_8glqw9r13hpnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 144 cpty_sim_nort_am4t55i33fgnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 146 cpty_sim_nort_7j2coqwm3gdnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 145 cpty_sim_nort_6h5zwmhn3g7nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 143 cpty_sim_nort_3qovnrap3dnnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 142 cpty_sim_nort_lhqss013chnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 141 cpty_sim_nort_9o8uvl5t3bznulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 140 cpty_sim_nort_43imfau33bhnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 138 cpty_sim_nort_7y0gc8gz3aqnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 139 cpty_sim_nort_boftmd783aznulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 137 cpty_sim_nort_5ydj8s5m3a5nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 136 cpty_sim_nort_1p3qur9x39tnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 135 cpty_sim_nort_a0f23ys739qnulln=2 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 134 cpty_sim_nort_5uyt9jkk382nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 133 cpty_sim_nort_3zyetf8y37bnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 132 cpty_sim_nort_50xvxkx336nnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 131 cpty_sim_nort_1mphhell35qnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 130 cpty_sim_nort_of4f5fn33gnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 129 cpty_sim_nort_b8jq3aj032ynulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 125 cpty_sim_nort_7nvo2rrf300nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 127 cpty_sim_nort_a1exg8ad30inulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 126 cpty_sim_nort_7chi9wph303nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 128 cpty_sim_nort_6trsd3ew30onulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 124 cpty_sim_nort_5io3v2sj2zfnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 122 cpty_sim_nort_axfky9la2x5nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 123 cpty_sim_nort_1olynd9h2xlnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 160 cpty_sim_nort_5pwws2003s9nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 121 cpty_sim_nort_a2ap49p42tvnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 120 cpty_sim_nort_9m42fcds2t7nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 119 cpty_sim_nort_awptp9112s1nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 117 cpty_sim_nort_5hw6bsau2qonulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 118 cpty_sim_nort_c5xmnu5k2r0nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 114 cpty_sim_nort_ck90xqux2onnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 115 cpty_sim_nort_5w19nccp2p6nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 116 cpty_sim_nort_35rroeer2plnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z