SKOOR Risk Money movement. Skoored by AI.

Program

Meridian Remit (simulated)

Program report → · Weekly program risk report →

Program Skoor
100n=5284
Skoor version
prs-v1
KRI window
60 days, as of 2026-09-18 01:14Z
Declared monthly volume
$1,200,000.00
Declared rails
ach, wire, swift
Declared countries
US, MX, PH
Source
simulated

Key risk indicators

KRIValuenThresholdStatusNote
frozen_accounts020ok
hold_aging_hours1370.6905233333334524watch
overdraft_events020ok
manual_review_rate0.3%9652.0%ok
card_fraud_declinesnull00unmeasured
pep_flagged_entities1300watch
velocity_vs_declared37.9%497150.0%ok
stale_screening_share0.0%3020.0%ok
high_risk_entity_share3.3%305.0%ok
reserve_coverage_ratio46.7%440100.0%breach
ach_overall_return_rate2.5%44015.0%ok
verification_denial_rate3.3%305.0%ok
manual_review_aging_hours1152.5855233333334348breach
ach_unauthorized_return_rate1.1%4400.5%breach
sanctioned_country_transfers29650breach
ach_administrative_return_rate0.5%4403.0%ok
counterparty_concentration_top19.1%96550.0%ok

Recent alerts

OpenedDetectorSummarySeveritySkoorRouteStatusDue
2026-09-18 00:18Zmanual_review_aging3 transfer(s) have sat in manual review for up to 1152 hours.mediumnull unscoredreviewedopendue 2026-09-25 00:18Z
2026-09-18 00:17Zreserve_coverageThe program reserve covers 47% of rolling 60-day ACH debit volume; the bank requires 100%.highnull unscoredreviewedopendue 2026-09-25 00:17Z
2026-09-18 00:17Zreturn_rate_breachThe program's ach unauthorized return rate is 1.14% over 440 originated debits, above the 0.5% network threshold.highnull unscoredreviewedopendue 2026-09-25 00:17Z
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 75 (hold band) on a $1,112.62 ach transfer: returns.counterparty_prior_unauthorized, structuring.pattern.high75 holdreviewedheldno clock
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 45 (hold band) on a $434.00 ach transfer: velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.high45 holdreviewedheldno clock
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 65 (hold band) on a $9,714.50 ach transfer: amount.gt_10x_median, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.high65 holdreviewedheldno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $750.43 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $299.73 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $1,379.36 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $536.03 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zcounterparty_holdCounterparty Receiver 61 entered the hold band (Skoor 90, n=9): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.review_share, counterparty.new.high90 holdreviewedheldno 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 40 (review band) on a $575.40 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $926.03 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status potential).high30 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 19:32Zcounterparty_holdCounterparty Receiver 3 entered the hold band (Skoor 80, n=36): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.new.high80 holdreviewedheldno clock
2026-09-17 19:32Zvelocity_spikeEntity velocity spiked: 6 transfers and $3,817.26 in 24 hours.medium25 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).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 19:32Zamount_just_below_thresholdA single $9,338.74 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.low45 reviewreviewedopenno clock
2026-09-17 19:32Zfirst_time_counterparty_largeFirst transfer to a new counterparty, $1,337.78, above the program's 95th percentile.medium25 clearreviewedopenno 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 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status potential).high25 clearreviewedopenno clock

Recent transfers

TransferRailAmountStatusSkoorBandnCreated
acht_sim_meri_87vh6tpmcd4ach outgoing CREDIT$536.59SUBMITTED15clear10822026-09-17 05:56Z
acht_sim_meri_azuiue16ccvach outgoing CREDIT$321.75SUBMITTED10clear10822026-09-17 05:13Z
acht_sim_meri_c2sfm80bcd8ach outgoing CREDIT$1,254.88SUBMITTED0clear10822026-09-17 04:53Z
acht_sim_meri_9eofs3kccdeach outgoing DEBIT$608.20SUBMITTED0clear10762026-09-17 02:56Z
acht_sim_meri_6oxzcmvmccxach outgoing DEBIT$601.23SUBMITTED15clear10762026-09-17 02:53Z
acht_sim_meri_6lidst6jcdcach outgoing CREDIT$462.77SUBMITTED0clear10762026-09-17 02:19Z
wire_sim_meri_45oe1xbscdiwire outgoing$3,002.56COMPLETED10clear10752026-09-17 01:00Z
acht_sim_meri_13p7bjo0cd0ach outgoing DEBIT$936.13SUBMITTED15clear10752026-09-17 00:55Z
acht_sim_meri_5uw1vjy2cdaach outgoing CREDIT$563.82SUBMITTED15clear10752026-09-17 00:48Z
acht_sim_meri_3zkaah46cd2ach outgoing CREDIT$580.30SUBMITTED0clear10692026-09-17 00:30Z
acht_sim_meri_5c46g14lcd6ach outgoing CREDIT$403.10SUBMITTED0clear10692026-09-16 23:11Z
acht_sim_meri_8775r12qcczach outgoing CREDIT$482.47HOLD5clear10692026-09-16 22:47Z
acht_sim_meri_bppn54ujcctach outgoing CREDIT$1,177.08SUBMITTED0clear10692026-09-16 22:47Z
acht_sim_meri_1sif30gfcdgach outgoing DEBIT$946.86SUBMITTED0clear10642026-09-16 21:50Z
acht_sim_meri_2qpydu5hccbach outgoing CREDIT$750.43SETTLED40review10802026-09-16 05:39Z
acht_sim_meri_2432cpw2cc8ach outgoing CREDIT$612.52SETTLED0clear10792026-09-16 04:28Z
acht_sim_meri_15qd090pcbbach outgoing CREDIT$741.28SETTLED0clear10782026-09-16 04:27Z
acht_sim_meri_8c1lnyo2cckach outgoing DEBIT$299.73SETTLED40review10772026-09-16 03:39Z
acht_sim_meri_78s5kcufccqach outgoing CREDIT$390.53SETTLED0clear10762026-09-16 03:37Z
acht_sim_meri_8qxzy89ocbwach outgoing DEBIT$1,230.44SETTLED15clear10752026-09-16 03:31Z
acht_sim_meri_7rjyut3jcbeach outgoing DEBIT$593.48SETTLED10clear10742026-09-16 03:19Z
acht_sim_meri_ax9uyx7ycbhach outgoing DEBIT$1,081.34SETTLED0clear10732026-09-16 02:48Z
acht_sim_meri_1fixhl8zcc5ach outgoing CREDIT$395.26SETTLED0clear10722026-09-16 02:14Z
acht_sim_meri_9wi0m9pxcbkach outgoing CREDIT$438.11SETTLED15clear10712026-09-16 01:22Z
acht_sim_meri_73skmj1mcbzach outgoing DEBIT$1,135.95SETTLED0clear10702026-09-16 00:57Z
acht_sim_meri_13w1rncbcb8ach outgoing CREDIT$346.98SETTLED0clear10692026-09-16 00:50Z
acht_sim_meri_cduk7vfwcbnach outgoing CREDIT$1,379.36SETTLED40review10682026-09-16 00:43Z
acht_sim_meri_1lytfkhacceach outgoing DEBIT$536.03SETTLED40review10672026-09-16 00:32Z
acht_sim_meri_4jpu8r4pcb5ach outgoing DEBIT$799.24SETTLED15clear10662026-09-16 00:10Z
acht_sim_meri_1k3dq2n9cbtach outgoing CREDIT$1,352.61SETTLED15clear10652026-09-15 22:30Z
acht_sim_meri_1h9to3i6cc2ach outgoing CREDIT$393.72SETTLED0clear10642026-09-15 22:23Z
acht_sim_meri_2rnz50a8cbqach outgoing CREDIT$693.19SETTLED0clear10632026-09-15 21:59Z
acht_sim_meri_c8sgl79cccnach outgoing DEBIT$310.14SETTLED15clear10622026-09-15 21:43Z
acht_sim_meri_5e1a44cfcchach outgoing DEBIT$528.82SETTLED20clear10612026-09-15 21:02Z
acht_sim_meri_13jix2mjcb0ach outgoing CREDIT$590.72SETTLED0clear10602026-09-15 05:55Z
acht_sim_meri_65a14uzvcarach outgoing CREDIT$1,202.00SETTLED0clear10592026-09-15 05:13Z
acht_sim_meri_ei9ov2tcaxach outgoing DEBIT$524.56SETTLED0clear10582026-09-15 04:33Z
acht_sim_meri_47kxgoecafach outgoing DEBIT$305.34SETTLED0clear10572026-09-15 03:31Z
acht_sim_meri_4egp7fyjcalach outgoing CREDIT$931.04SETTLED20clear10562026-09-15 02:56Z
acht_sim_meri_9dkg1oo1ca6ach outgoing CREDIT$947.78SETTLED0clear10552026-09-15 02:52Z

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
Kestrel Partners 210 enti_sim_meri_buoa2uyh9nsBUSINESS0n=56 clearVERIFIEDnono2026-09-12 13:16Z
Iris Services 28 enti_sim_meri_36porneo9nkBUSINESS0n=46 clearVERIFIEDnono2026-09-12 05:37Z
Dune LLC 23 enti_sim_meri_1nm3htr39n2BUSINESS0n=26 clearVERIFIEDnono2026-09-09 08:35Z
Kestrel Partners 222 enti_sim_meri_988w1g3z9p4PERSON0n=9 clearVERIFIEDnono2026-09-05 11:39Z
Elm Partners 216 enti_sim_meri_39qauojg9ogBUSINESS0n=62 clearVERIFIEDnono2026-09-04 10:03Z
Birch Holdings 21 enti_sim_meri_4gund5k49muBUSINESS45n=34 reviewVERIFIEDnono2026-09-03 20:24Z
Heath Holdings 219 enti_sim_meri_5oit8xrn9osBUSINESS40n=25 reviewVERIFIEDnono2026-09-01 14:39Z
Elm Partners 24 enti_sim_meri_46912iyn9n6PERSON0n=44 clearVERIFIEDnono2026-08-31 22:13Z
Cedar Services 214 enti_sim_meri_a1etfvmy9o8BUSINESS30n=36 reviewVERIFIEDnono2026-08-31 06:24Z
Juniper LLC 29 enti_sim_meri_6t9d3itl9noBUSINESS0n=35 clearVERIFIEDnono2026-08-30 13:15Z
Alder Co 212 enti_sim_meri_5qdpde6q9o0BUSINESS0n=34 clearVERIFIEDnono2026-08-30 10:13Z
Cedar Services 22 enti_sim_meri_he68oz39myBUSINESS35n=20 reviewVERIFIEDnono2026-08-30 07:16Z
Fern Studio 217 enti_sim_meri_ggdan2k9okBUSINESS0n=42 clearVERIFIEDnono2026-08-29 12:12Z
Larch Studio 223 enti_sim_meri_364qtf9e9p8BUSINESS45n=45 reviewVERIFIEDnono2026-08-29 09:16Z
Grove Co 218 enti_sim_meri_8fmcz08r9ooPERSON40n=56 reviewVERIFIEDnono2026-08-27 23:39Z
Grove Co 26 enti_sim_meri_3qkxl63d9ndPERSON0n=46 clearVERIFIEDnono2026-08-27 08:46Z
High Risk Trading 2 enti_sim_meri_5if3mzfr9pnBUSINESS35n=38 reviewVERIFIEDyesno2026-08-27 06:42Z
Payout Agent (Meridian) enti_sim_meri_5dfjcovr9pr agentBUSINESS0n=60 clear0n=60 clearVERIFIEDnono2026-08-26 01:58Z
Dune LLC 215 enti_sim_meri_7dj6hf539ocPERSON30n=58 reviewVERIFIEDnono2026-08-26 01:09Z
Alder Co 224 enti_sim_meri_865odrt99pcPERSON0n=33 clearVERIFIEDnono2026-08-25 17:03Z
Juniper LLC 221 enti_sim_meri_9f9jrw209p0BUSINESS0n=20 clearVERIFIEDnono2026-08-25 13:36Z
Potential Pep 2 enti_sim_meri_28dfpclz9pjPERSON15n=57 clearVERIFIEDnopotential2026-08-22 00:52Z
Birch Holdings 213 enti_sim_meri_30yt48a99o4PERSON25n=17 clearVERIFIEDnono2026-08-21 02:45Z
Iris Services 220 enti_sim_meri_27j309649owPERSON25n=14 clearVERIFIEDnono2026-08-20 23:25Z
Alder Co 20 enti_sim_meri_7ujcnu3m9mqPERSON0n=44 clearVERIFIEDnono2026-08-19 16:29Z
Larch Studio 211 enti_sim_meri_6dswgj8q9nwBUSINESS0n=27 clearVERIFIEDnono2026-08-12 20:10Z
Meridian Remit enti_sim_meri_zfaci2z9lwBUSINESS10n=67 clearVERIFIEDnono2026-07-29 05:05Z
Fern Studio 25 enti_sim_meri_46dorgrg9naBUSINESSnulln=0 unscoredMANUAL_REVIEWnono2026-06-26 00:57Z
Denied Origin 2 enti_sim_meri_3qusu9s29pgPERSON85n=1 holdDENIEDnono2026-06-24 12:01Z
Heath Holdings 27 enti_sim_meri_84ifl3ba9nhBUSINESSnulln=0 unscoredMANUAL_REVIEWnono2026-06-20 01:27Z

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
Receiver 105 cpty_sim_meri_bubfkribccvnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 104 cpty_sim_meri_2fxfa9eycbenulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 103 cpty_sim_meri_2xqy03yacainulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 102 cpty_sim_meri_c2vkha40c9snulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 101 cpty_sim_meri_3sakikptc8pnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 111 cpty_sim_meri_c0ox58fbcf7nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 110 cpty_sim_meri_3wxlhl98ceynulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 109 cpty_sim_meri_afdx9gbqcesnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 108 cpty_sim_meri_3isc2te8ceanulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 107 cpty_sim_meri_5g19o8ckce4nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 100 cpty_sim_meri_8lhj4l4sc7sAEnulln=2 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 99 cpty_sim_meri_clg3tzvfc6uAEnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 95 cpty_sim_meri_6l10bnouc49AEnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 97 cpty_sim_meri_8jcbb785c4onulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 96 cpty_sim_meri_5h0dy5zlc4inulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Overseas Beneficiary cpty_sim_meri_a6zspl8hcfaIR85n=1 hold10 · 0 unauthorized2026-09-17 19:31Z
Receiver 94 cpty_sim_meri_aid1a9eec1vnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 93 cpty_sim_meri_4blmfttrc1gnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 91 cpty_sim_meri_5u4319u8c17nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 92 cpty_sim_meri_bp8pmqdsc1dnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 90 cpty_sim_meri_cby5ht6vc02nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 88 cpty_sim_meri_2qsqiu8obycnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 89 cpty_sim_meri_blc9qeg5byxnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 87 cpty_sim_meri_42ovunc8bxxNGnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 98 cpty_sim_meri_73i0nx8nc6o50n=5 review11 · 0 unauthorized2026-09-17 19:31Z
Receiver 86 cpty_sim_meri_3ozg9j7mbunnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Overseas Beneficiary cpty_sim_meri_arf75ljdcfbRU85n=1 hold10 · 0 unauthorized2026-09-17 19:31Z
Receiver 85 cpty_sim_meri_5ss2bptlbsrnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 84 cpty_sim_meri_6gtc3iuvbp8TRnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 106 cpty_sim_meri_5osm3qj3ce1nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 83 cpty_sim_meri_1dpjl2y8bo5nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 82 cpty_sim_meri_9uzf0veobnwnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 81 cpty_sim_meri_7kjpozx7bn2nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 80 cpty_sim_meri_15iwbffqbmtnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 79 cpty_sim_meri_8aivpkgpbkinulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 78 cpty_sim_meri_84b6qz37bilnulln=2 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 75 cpty_sim_meri_7wi7whesbhanulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 77 cpty_sim_meri_a61qh2lzbhwnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 76 cpty_sim_meri_7y14s670bhnnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 74 cpty_sim_meri_bixm4w4ybh1nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 73 cpty_sim_meri_bjm0dq7obfvnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 72 cpty_sim_meri_1yb3v7gsbcsnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 71 cpty_sim_meri_9oaxe2q3b8rnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 69 cpty_sim_meri_5d28f0z3b8fnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 70 cpty_sim_meri_ljbh1mib8lnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 68 cpty_sim_meri_cnh3ghizb7410n=4 clear10 · 0 unauthorized2026-09-17 19:31Z
Receiver 67 cpty_sim_meri_3pgmyvkab6mnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 66 cpty_sim_meri_b6r12z9hb5t10n=4 clear10 · 0 unauthorized2026-09-17 19:31Z
Receiver 65 cpty_sim_meri_mwlx6f5b4fnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 63 cpty_sim_meri_23htiequb2qnulln=1 unscored10 · 0 unauthorized2026-09-17 19:30Z