Counterparty report · generated 2026-09-18 03:48Z

Sandbox structuring receiver Counterparty Risk Skoor report

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

Skoor

35n=4

Band

review

Confidence

0.16

Version

crs-v1

As of

2026-09-17 23:15Z

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	CRS-HIS-01 A tenth or more of the transfers with this counterparty landed in the hold band.	`counterparty.hold_share`	+25		50% of scored transfers in the hold band
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 23:15Z	unscored	review	35	4

Signal trends

Compared with the previous scoring at 2026-09-17 23:14Z.

Appeared: counterparty.hold_share (+25)
Disappeared: counterparty.review_share (+10)
Changed weight: none

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 23:13Z	null	unscored	1	null	crs-v1
2026-09-17 23:14Z	null	unscored	1	null	crs-v1
2026-09-17 23:15Z	35	review	4	0.16	crs-v1

Transfers

Window: 180 days
Transfers: 4
Volume: $37,600.00
Returns: 0 · 0 unauthorized
Scored: 4
Hold-band share: 50.0%n=4
Review-band share: 25.0%n=4

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 23:15Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,700.00 ach transfer: amount.gt_3x_median, structuring.pattern.	reviewed	held
2026-09-17 23:15Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,500.00 ach transfer: amount.gt_3x_median, structuring.pattern.	reviewed	held
2026-09-17 23:14Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	reviewed	held
2026-09-17 23:13Z	amount_just_below_threshold	A single $9,100.00 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	reviewed	open
2026-09-17 23:13Z	first_time_counterparty_large	First transfer to a new counterparty, $9,100.00, above the program's 95th percentile.	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "counterparty.hold_share",
      "detail": "50% of scored transfers in the hold band",
      "weight": 25
    },
    {
      "code": "counterparty.new",
      "detail": "first seen 0d ago",
      "weight": 10
    }
  ],
  "inputs": {
    "n": 4,
    "reasons": [
      {
        "id": "CRS-HIS-01",
        "hard": false,
        "detail": "50% of scored transfers in the hold band",
        "signal": "counterparty.hold_share",
        "weight": 25,
        "sentence": "A tenth or more of the transfers with this counterparty landed in the hold band."
      },
      {
        "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": 4,
    "holdShare": 0.5,
    "hardSignal": false,
    "windowDays": 180,
    "countryCode": "US",
    "reviewShare": 0.25,
    "concentration": 0.005631564679187591,
    "confidenceDecay": 1,
    "distinctEntities": 1,
    "distinctPrograms": 1,
    "firstSeenAgeDays": 0,
    "observationAgeDays": 0,
    "programsWithReturns": 0
  }
}