Agent report · generated 2026-09-18 03:52Z

Settlement Agent (Meridian vendor) Agent Risk Skoor report

Current Skoor, its top reasons, its history, when it changed band, which signals appeared or disappeared, and everything decided about this agent. Built from the record; nothing here is estimated. Back to the agent →

Skoor

30n=75

Band

review

Confidence

0.80

Version

ars-v1

As of

2026-09-17 19:32Z

Top reasons

The three highest-weight signals behind the number, with their stable reason codes. Credits (negative signals) are listed under signals, never as reasons.

#	Reason	Signal	Weight	Hard	Detail
1	ARS-SCP-02 The agent moved money on rails outside its declared scope.	`agent.out_of_scope`	+20		activity on wire outside declared scope ach, realtime
2	CRS-NEW-01 The counterparty was first seen less than a week ago.	`counterparty.new`	+10		first seen 0d ago

Band transitions

When	From	To	Skoor	n
2026-09-17 19:31Z	unscored	review	30	41

Signal trends

Compared with the previous scoring at 2026-09-17 19:31Z.

Appeared: none
Disappeared: none
Changed weight: none

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:30Z	null	unscored	2	null	ars-v1
2026-09-17 19:31Z	30	review	41	0.67	ars-v1
2026-09-17 19:32Z	30	review	75	0.80	ars-v1

Transfers

Window: 180 days
Transfers: 79
Volume: $62,171.51
Returns: 0 · 0 unauthorized
Scored: 79
Hold-band share: 0.0%n=79
Review-band share: 0.0%n=79

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	reviewed	open
2026-09-17 19:31Z	agent_out_of_scope	Agent Settlement Agent (Meridian vendor) moved money on rails outside its declared scope (ach, wire vs ach, realtime).	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "counterparty.new",
      "detail": "first seen 0d ago",
      "weight": 10
    },
    {
      "code": "agent.out_of_scope",
      "detail": "activity on wire outside declared scope ach, realtime",
      "weight": 20
    }
  ],
  "inputs": {
    "n": 75,
    "base": "crs-v1",
    "scope": [
      "ach",
      "realtime"
    ],
    "purpose": "marketplace settlement",
    "reasons": [
      {
        "id": "ARS-SCP-02",
        "hard": false,
        "detail": "activity on wire outside declared scope ach, realtime",
        "signal": "agent.out_of_scope",
        "weight": 20,
        "sentence": "The agent moved money on rails outside its declared scope."
      },
      {
        "id": "CRS-NEW-01",
        "hard": false,
        "detail": "first seen 0d ago",
        "signal": "counterparty.new",
        "weight": 10,
        "sentence": "The counterparty was first seen less than a week ago."
      }
    ],
    "returns": {
      "any": 0,
      "unauthorized": 0
    },
    "scoredN": 74,
    "holdShare": 0,
    "railsUsed": [
      "ach",
      "wire"
    ],
    "hardSignal": false,
    "windowDays": 180,
    "countryCode": null,
    "reviewShare": 0,
    "concentration": 0.00932063351441378,
    "confidenceDecay": 1,
    "distinctEntities": 23,
    "distinctPrograms": 1,
    "firstSeenAgeDays": 0,
    "operatorEntityId": "enti_sim_meri_zfaci2z9lw",
    "observationAgeDays": 2,
    "programsWithReturns": 0
  }
}