SKOOR Risk Money movement. Skoored by AI.

Program

Harbor Marketplace Payouts (simulated)

Program report → · Weekly program risk report →

Program Skoor
100n=10904
Skoor version
prs-v1
KRI window
60 days, as of 2026-09-18 01:14Z
Declared monthly volume
$4,000,000.00
Declared rails
ach, realtime
Declared countries
US
Source
simulated

Key risk indicators

KRIValuenThresholdStatusNote
frozen_accounts030ok
hold_aging_hours1029.68688944444441124watch
overdraft_events130watch
manual_review_rate0.8%20612.0%ok
card_fraud_declines110watch
pep_flagged_entities1300watch
velocity_vs_declared13.3%1046150.0%ok
stale_screening_share0.0%3020.0%ok
high_risk_entity_share6.7%305.0%watch
reserve_coverage_ratio111.7%880100.0%ok
ach_overall_return_rate2.6%88015.0%ok
verification_denial_rate3.3%305.0%ok
manual_review_aging_hours1388.14300055555551748breach
ach_unauthorized_return_rate0.8%8800.5%breach
sanctioned_country_transfers020610ok
ach_administrative_return_rate0.8%8803.0%ok
counterparty_concentration_top17.2%206150.0%ok

Recent alerts

OpenedDetectorSummarySeveritySkoorRouteStatusDue
2026-09-18 00:16Zoverdraft_or_frozen1 overdraft event(s) and 0 frozen account(s) on the program in the window.mediumnull unscoredreviewedopendue 2026-09-25 00:16Z
2026-09-18 00:15Zmanual_review_aging17 transfer(s) have sat in manual review for up to 1387 hours.mediumnull unscoredreviewedopendue 2026-09-25 00:15Z
2026-09-18 00:15Zreturn_rate_breachThe program's ach unauthorized return rate is 0.79% over 883 originated debits, above the 0.5% network threshold.highnull unscoredreviewedopendue 2026-09-25 00:15Z
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 55 (hold band) on a $9,151.01 ach transfer: amount.gt_10x_median, structuring.pattern.high55 holdreviewedheldno clock
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 90 (hold band) on a $2,400.00 ach transfer: entity.denied, entity.high_risk, amount.gt_3x_median.high90 holdreviewedheldno clock
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 55 (hold band) on a $9,526.72 ach transfer: amount.gt_10x_median, structuring.pattern.high55 holdreviewedheldno clock
2026-09-17 19:32Zcounterparty_holdCounterparty Receiver 37 entered the hold band (Skoor 100, n=20): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.hold_share, counterparty.review_share, counterparty.new.high100 holdreviewedheldno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $829.07 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $268.93 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $336.92 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 55 (review band) on a $670.63 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.medium55 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $536.68 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).high45 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 55 (review band) on a $607.71 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.medium55 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $775.69 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 30 (review band) on a $358.09 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.medium30 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 30 (review band) on a $625.27 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.medium30 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 40 (review band) on a $267.42 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 40 (review band) on a $283.14 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 55 (review band) on a $412.16 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.medium55 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $381.94 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $696.89 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zcounterparty_holdCounterparty Receiver 12 entered the hold band (Skoor 75, n=31): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.review_share, counterparty.new.high75 holdreviewedheldno clock

Recent transfers

TransferRailAmountStatusSkoorBandnCreated
acht_sim_harb_7k7yzyyr9jfach outgoing DEBIT$847.74SUBMITTED10clear22582026-09-17 05:38Z
acht_sim_harb_ath6xjos9iqach outgoing DEBIT$227.79SUBMITTED40review22582026-09-17 05:21Z
acht_sim_harb_mbsjvmv9htach outgoing DEBIT$425.84SUBMITTED40review22582026-09-17 05:01Z
acht_sim_harb_31c1qf4r9j5ach outgoing DEBIT$399.04SUBMITTED0clear22582026-09-17 04:38Z
acht_sim_harb_96c1cbc19i1ach outgoing DEBIT$223.84SUBMITTED0clear22582026-09-17 04:33Z
acht_sim_harb_4zilnzx19jjach outgoing DEBIT$839.13SUBMITTED0clear22582026-09-17 04:24Z
acht_sim_harb_6eryd30j9hzach outgoing DEBIT$293.05SUBMITTED10clear22582026-09-17 03:51Z
acht_sim_harb_8qwn48de9iyach outgoing DEBIT$583.26SUBMITTED15clear22582026-09-17 03:42Z
acht_sim_harb_3gj818km9jbach outgoing CREDIT$377.43SUBMITTED30review22582026-09-17 03:32Z
acht_sim_harb_t35fm7i9hrach outgoing DEBIT$319.55SUBMITTED55review22492026-09-17 03:22Z
acht_sim_harb_co4o3th09jhach outgoing DEBIT$378.49SUBMITTED40review22492026-09-17 03:17Z
acht_sim_harb_9tke2dri9j0ach outgoing CREDIT$752.88SUBMITTED70hold22492026-09-17 03:05Z
acht_sim_harb_9phj2bz39ibach outgoing DEBIT$268.12SUBMITTED15clear22492026-09-17 03:02Z
acht_sim_harb_b5ro3atl9iwach outgoing CREDIT$243.48SUBMITTED15clear22492026-09-17 02:46Z
acht_sim_harb_bbb7h5te9j7ach outgoing CREDIT$193.30SUBMITTED0clear22492026-09-17 02:43Z
acht_sim_harb_5cyj3qze9iuach outgoing CREDIT$430.56SUBMITTED0clear22492026-09-17 02:10Z
acht_sim_harb_a4lvg1oi9ilach outgoing CREDIT$813.78MANUAL_REVIEW55review22492026-09-17 02:04Z
acht_sim_harb_7hp5x4fz9i9ach outgoing CREDIT$210.64SUBMITTED10clear22492026-09-17 01:54Z
acht_sim_harb_3erckaq39jdach outgoing CREDIT$753.60SUBMITTED0clear22492026-09-17 01:35Z
acht_sim_harb_7fwo1q369idach outgoing CREDIT$218.57SUBMITTED0clear22492026-09-17 01:24Z
acht_sim_harb_bfz8xbf49jlach outgoing CREDIT$207.18SUBMITTED25clear22492026-09-17 01:21Z
acht_sim_harb_51lfujkr9ihach outgoing CREDIT$195.78SUBMITTED0clear22492026-09-17 01:02Z
acht_sim_harb_4vjklvtj9j2ach outgoing CREDIT$321.58MANUAL_REVIEW30review22382026-09-17 00:53Z
acht_sim_harb_1l2691rt9j3ach outgoing CREDIT$321.41SUBMITTED0clear22382026-09-17 00:19Z
acht_sim_harb_7ewhjw2c9j9ach outgoing DEBIT$485.71SUBMITTED30review22382026-09-17 00:02Z
acht_sim_harb_23a728e19ifach outgoing DEBIT$437.64SUBMITTED15clear22382026-09-17 00:01Z
acht_sim_harb_c8ci2tg69hxach outgoing CREDIT$217.47SUBMITTED15clear22382026-09-16 23:07Z
acht_sim_harb_9l09knnj9i3ach outgoing CREDIT$468.71SUBMITTED0clear22382026-09-16 23:04Z
rttr_sim_harb_60whu47g9jprealtime outgoing$294.02COMPLETED0clear22372026-09-16 23:00Z
acht_sim_harb_7yb4jq4u9i5ach outgoing CREDIT$292.90SUBMITTED0clear22372026-09-16 22:56Z
acht_sim_harb_88l6fgei9i7ach outgoing CREDIT$463.88SUBMITTED40review22372026-09-16 22:18Z
acht_sim_harb_9qfq1dpn9ijach outgoing DEBIT$599.37SUBMITTED30review22302026-09-16 21:31Z
acht_sim_harb_2hgkp7g89ioach outgoing CREDIT$667.17SUBMITTED10clear22302026-09-16 21:22Z
acht_sim_harb_b22w9noe9isach outgoing CREDIT$664.64SUBMITTED0clear22302026-09-16 21:05Z
acht_sim_harb_4lddt4j69jnach outgoing DEBIT$564.88SUBMITTED0clear22302026-09-16 20:40Z
acht_sim_harb_76gxejvb9imach outgoing CREDIT$302.45SUBMITTED15clear22302026-09-16 20:31Z
acht_sim_harb_4keh46gs9hvach outgoing DEBIT$468.47SUBMITTED40review22302026-09-16 20:25Z
acht_sim_harb_769nnuot9gjach outgoing DEBIT$351.78SETTLED0clear22562026-09-16 05:58Z
acht_sim_harb_7zxfhhs59emach outgoing CREDIT$646.40SETTLED15clear22552026-09-16 05:31Z
acht_sim_harb_5xb3egdq9gaach outgoing CREDIT$851.67SETTLED0clear22542026-09-16 05:26Z

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
Elm Partners 14 enti_sim_harb_7jy31awx3usPERSON0n=38 clearVERIFIEDnono2026-09-07 19:00Z
Iris Services 120 enti_sim_harb_5a4byxd93wjBUSINESS0n=81 clearVERIFIEDnono2026-09-06 05:34Z
Fern Studio 15 enti_sim_harb_21hv01zx3uwBUSINESS30n=106 reviewVERIFIEDnono2026-09-05 15:35Z
Alder Co 10 enti_sim_harb_3x8shd663ucBUSINESS0n=88 clearVERIFIEDnono2026-09-05 08:37Z
Grove Co 16 enti_sim_harb_7f5zjfgz3v0PERSON30n=88 reviewVERIFIEDnono2026-09-04 20:01Z
Alder Co 112 enti_sim_harb_6s6va5v23voBUSINESS30n=65 reviewVERIFIEDnono2026-09-04 12:59Z
Juniper LLC 19 enti_sim_harb_yhmcztb3vcBUSINESS40n=115 reviewVERIFIEDnono2026-09-03 18:25Z
Larch Studio 123 enti_sim_harb_3fas9a73wvBUSINESS30n=90 reviewVERIFIEDnono2026-09-03 11:49Z
Payout Agent (Harbor) enti_sim_harb_3ijt1t3u3xa agentBUSINESS30n=125 review50n=125 reviewVERIFIEDnono2026-09-02 17:52Z
Cedar Services 12 enti_sim_harb_aerv080h3ukPERSON15n=72 clearVERIFIEDnono2026-09-01 22:10Z
Heath Holdings 119 enti_sim_harb_5segmmcp3wfPERSON30n=74 reviewVERIFIEDnono2026-09-01 18:20Z
Juniper LLC 121 enti_sim_harb_5a42mkx13wnBUSINESS30n=91 reviewVERIFIEDnono2026-09-01 05:48Z
Cedar Services 114 enti_sim_harb_b4xqtgv3vwBUSINESS0n=62 clearVERIFIEDnono2026-09-01 00:48Z
Birch Holdings 11 enti_sim_harb_8ifdyw433ugBUSINESS30n=108 reviewVERIFIEDnono2026-08-31 17:59Z
Elm Partners 116 enti_sim_harb_3l5glf733w4PERSON0n=61 clearVERIFIEDnono2026-08-31 03:59Z
Kestrel Partners 110 enti_sim_harb_5ogb4mu73vgPERSON0n=55 clearVERIFIEDnono2026-08-29 23:51Z
Fern Studio 117 enti_sim_harb_ax0fq0ns3w8PERSON30n=98 reviewVERIFIEDnono2026-08-29 06:30Z
Heath Holdings 17 enti_sim_harb_7jqnxu353v4BUSINESS0n=46 clearVERIFIEDnono2026-08-27 17:02Z
High Risk Trading 1 enti_sim_harb_skonrvy3x6BUSINESS75n=38 holdVERIFIEDyesno2026-08-27 13:10Z
Dune LLC 13 enti_sim_harb_7l9s22e03uoPERSON30n=102 reviewVERIFIEDnono2026-08-27 06:38Z
Iris Services 18 enti_sim_harb_3lz42ey83v8BUSINESS0n=66 clearVERIFIEDnono2026-08-22 18:02Z
Reconciliation Agent (Harbor) enti_sim_harb_7n4e3h7n3xe agentBUSINESS30n=105 review65n=105 reviewVERIFIEDnono2026-08-21 18:01Z
Larch Studio 111 enti_sim_harb_cogz0d6k3vkPERSON30n=71 reviewVERIFIEDnono2026-08-21 15:52Z
Birch Holdings 113 enti_sim_harb_2ag6spru3vsBUSINESS30n=86 reviewVERIFIEDnono2026-08-19 15:42Z
Kestrel Partners 122 enti_sim_harb_2pfeu42a3wrBUSINESS30n=59 reviewVERIFIEDnono2026-08-19 09:40Z
Potential Pep 1 enti_sim_harb_azbiyidj3x2PERSON60n=106 reviewVERIFIEDnopotential2026-08-16 23:44Z
Dune LLC 115 enti_sim_harb_6z28kno73w0BUSINESS45n=88 reviewVERIFIEDnono2026-08-16 12:57Z
Harbor Marketplace Payouts enti_sim_harb_kytao1m3tiBUSINESS0n=46 clearVERIFIEDnono2026-07-15 06:54Z
Grove Co 118 enti_sim_harb_8rywyxib3wcBUSINESSnulln=0 unscoredMANUAL_REVIEWnono2026-06-29 21:20Z
Denied Origin 1 enti_sim_harb_130qwgg53wzPERSON100n=2 holdDENIEDyesno2026-06-24 12:01Z

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 222 cpty_sim_harb_bz1qtbf39jfnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 218 cpty_sim_harb_8871ysjv9hznulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 221 cpty_sim_harb_6348cc4w9jbnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 219 cpty_sim_harb_and3pw5t9i9nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 223 cpty_sim_harb_28dykiit9jlnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 220 cpty_sim_harb_by07hw1u9ionulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 215 cpty_sim_harb_amm3ge1s9evnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 217 cpty_sim_harb_2chvj8c59hanulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 212 cpty_sim_harb_4c1ql0qt9bjnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 213 cpty_sim_harb_5j011mmh9c4nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 214 cpty_sim_harb_1jxy1mac9dtnulln=2 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 211 cpty_sim_harb_26e6vn3k9bgnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 210 cpty_sim_harb_3inngyyn9b5nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 209 cpty_sim_harb_achumx4h9aknulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 208 cpty_sim_harb_6dk3pi2n991nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 206 cpty_sim_harb_be2mkslj97tnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 205 cpty_sim_harb_a58ag2ye96hnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 207 cpty_sim_harb_4u3am3pb97znulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 204 cpty_sim_harb_9vbtqx3q93cnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 203 cpty_sim_harb_4zqbe15790onulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 201 cpty_sim_harb_1xre1tv98v4nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 202 cpty_sim_harb_5rsx4isj8w8nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 199 cpty_sim_harb_3q34rqdg8u0nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 200 cpty_sim_harb_3jbn582c8ugnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 198 cpty_sim_harb_2lfnzobp8txnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 197 cpty_sim_harb_9g27pdsd8trnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 216 cpty_sim_harb_6o16dr3v9h4nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 225 cpty_sim_harb_41ryz5u69kxnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 224 cpty_sim_harb_9m7tv4gj9klnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 196 cpty_sim_harb_73hxq7gr8qmnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 195 cpty_sim_harb_a5niq9ad8ornulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 194 cpty_sim_harb_q1z3zp48oonulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 191 cpty_sim_harb_27g240kb8mpnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 193 cpty_sim_harb_98wajjo08o4nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 192 cpty_sim_harb_98rnnt0o8nvnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 190 cpty_sim_harb_6d9foqej8lqnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 189 cpty_sim_harb_7hq1drmn8jmnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 185 cpty_sim_harb_6tfi9b1n8h0nulln=2 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 188 cpty_sim_harb_4bs4ohex8ifnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 186 cpty_sim_harb_2cyx5rt58hcnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 187 cpty_sim_harb_73ei3od38honulln=2 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 183 cpty_sim_harb_5w335ry98b2nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 184 cpty_sim_harb_35noga228d1nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 181 cpty_sim_harb_8weq5i0y8annulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 182 cpty_sim_harb_84tbl08d8aqnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 180 cpty_sim_harb_4tcbctvg89rnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 179 cpty_sim_harb_6cy5qwbg88knulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 177 cpty_sim_harb_949kmuoy86wnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 175 cpty_sim_harb_8o38y60z85pnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 176 cpty_sim_harb_5zr4exo685vnulln=2 unscored10 · 0 unauthorized2026-09-17 19:31Z