Agent report · generated 2026-09-18 03:01Z

Reconciliation Agent (Harbor) 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

65n=105

Band

review

Confidence

1.00

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	Detail
1	ERS-RET-01 The entity's transfers have drawn unauthorized returns.	`entity.unauthorized_returns`	+30	1 unauthorized return(s) against it
2	ARS-SCP-02 The agent moved money on rails outside its declared scope.	`agent.out_of_scope`	+20	activity on realtime outside declared scope ach
3	ARS-OPR-01 No operator entity is on file for the agent.	`agent.no_operator`	+15	no operator entity on file

Band transitions

When	From	To	Skoor	n
2026-09-17 19:31Z	unscored	review	65	56

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	0	null	ars-v1
2026-09-17 19:31Z	65	review	56	0.98	ars-v1
2026-09-17 19:32Z	65	review	105	1.00	ars-v1

Transfers

Window: 90 days
Transfers: 112
Volume: $51,211.06
Returns: 2 · 1 unauthorized
Scored: 110
Hold-band share: 0.0%n=110
Review-band share: 8.2%n=110

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $267.42 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $530.17 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $825.97 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $240.66 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $812.77 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	agent_out_of_scope	Agent Reconciliation Agent (Harbor) moved money on rails outside its declared scope (ach, realtime vs ach).	reviewed	open
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 6 transfers and $3,356.46 in 24 hours.	reviewed	open
2026-09-17 19:30Z	burst_then_dormant	The entity made 6 transfers on 2026-08-11 and has been silent for 37 days since.	reviewed	open
2026-09-17 19:30Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $866.60 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "entity.unauthorized_returns",
      "detail": "1 unauthorized return(s) against it",
      "weight": 30
    },
    {
      "code": "agent.no_operator",
      "detail": "no operator entity on file",
      "weight": 15
    },
    {
      "code": "agent.out_of_scope",
      "detail": "activity on realtime outside declared scope ach",
      "weight": 20
    }
  ],
  "inputs": {
    "n": 105,
    "base": "ers-v1",
    "scope": [
      "ach"
    ],
    "alerts": {
      "opened": 4,
      "clearedByPerson": 0,
      "heldOrEscalated": 0
    },
    "purpose": "refund reconciliation",
    "reasons": [
      {
        "id": "ERS-RET-01",
        "hard": false,
        "detail": "1 unauthorized return(s) against it",
        "signal": "entity.unauthorized_returns",
        "weight": 30,
        "sentence": "The entity's transfers have drawn unauthorized returns."
      },
      {
        "id": "ARS-SCP-02",
        "hard": false,
        "detail": "activity on realtime outside declared scope ach",
        "signal": "agent.out_of_scope",
        "weight": 20,
        "sentence": "The agent moved money on rails outside its declared scope."
      },
      {
        "id": "ARS-OPR-01",
        "hard": false,
        "detail": "no operator entity on file",
        "signal": "agent.no_operator",
        "weight": 15,
        "sentence": "No operator entity is on file for the agent."
      }
    ],
    "returns": {
      "any": 2,
      "unauthorized": 1
    },
    "scoredN": 101,
    "holdShare": 0,
    "pepStatus": "no",
    "railsUsed": [
      "ach",
      "realtime"
    ],
    "hardSignal": false,
    "isHighRisk": false,
    "windowDays": 90,
    "reviewShare": 0.04950495049504951,
    "velocityRatio": 1.5391149663184758,
    "confidenceDecay": 1,
    "operatorEntityId": null,
    "screeningAgeDays": 27,
    "observationAgeDays": 4,
    "verificationStatus": "VERIFIED",
    "distinctCounterparties": 62
  }
}