Counterparty report · generated 2026-09-18 03:37Z

Receiver 37 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

100n=20

Band

hold

Confidence

0.38

Version

crs-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	CRS-RET-01 The counterparty has drawn unauthorized returns.	`counterparty.unauthorized_returns`	+40	drew 2 unauthorized return(s)
2	CRS-HIS-01 A tenth or more of the transfers with this counterparty landed in the hold band.	`counterparty.hold_share`	+25	10% of scored transfers in the hold band
3	CRS-RET-02 The counterparty's unauthorized return rate is above the network threshold.	`counterparty.unauthorized_rate`	+15	unauthorized rate 2/20 above the network threshold

Band transitions

When	From	To	Skoor	n
2026-09-17 19:31Z	unscored	clear	10	15
2026-09-17 19:32Z	clear	hold	100	20

Signal trends

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

Appeared: counterparty.unauthorized_returns (+40), counterparty.unauthorized_rate (+15), counterparty.return_rate (+15), counterparty.hold_share (+25), counterparty.review_share (+10)
Disappeared: none
Changed weight: none

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:30Z	null	unscored	2	null	crs-v1
2026-09-17 19:31Z	10	clear	15	0.31	crs-v1
2026-09-17 19:32Z	100	hold	20	0.38	crs-v1

Transfers

Window: 180 days
Transfers: 20
Volume: $7,665.78
Returns: 3 · 2 unauthorized
Scored: 20
Hold-band share: 10.0%n=20
Review-band share: 35.0%n=20

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:32Z	counterparty_hold	Counterparty 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.	reviewed	held
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 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $830.73 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.	reviewed	open
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 70 (hold band) on a $265.08 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold, geo.outside_declared_countries.	reviewed	held
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 6 transfers and $2,767.27 in 24 hours.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $504.03 ach transfer: returns.entity_rate_gt_threshold, geo.outside_declared_countries.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $225.41 ach transfer: returns.entity_rate_gt_threshold, geo.outside_declared_countries.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $373.59 ach transfer: returns.entity_rate_gt_threshold, geo.outside_declared_countries.	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "counterparty.unauthorized_returns",
      "detail": "drew 2 unauthorized return(s)",
      "weight": 40
    },
    {
      "code": "counterparty.unauthorized_rate",
      "detail": "unauthorized rate 2/20 above the network threshold",
      "weight": 15
    },
    {
      "code": "counterparty.return_rate",
      "detail": "return rate 3/20",
      "weight": 15
    },
    {
      "code": "counterparty.hold_share",
      "detail": "10% of scored transfers in the hold band",
      "weight": 25
    },
    {
      "code": "counterparty.review_share",
      "detail": "30% in the review band",
      "weight": 10
    },
    {
      "code": "counterparty.new",
      "detail": "first seen 0d ago",
      "weight": 10
    }
  ],
  "inputs": {
    "n": 20,
    "reasons": [
      {
        "id": "CRS-RET-01",
        "hard": false,
        "detail": "drew 2 unauthorized return(s)",
        "signal": "counterparty.unauthorized_returns",
        "weight": 40,
        "sentence": "The counterparty has drawn unauthorized returns."
      },
      {
        "id": "CRS-HIS-01",
        "hard": false,
        "detail": "10% 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-RET-02",
        "hard": false,
        "detail": "unauthorized rate 2/20 above the network threshold",
        "signal": "counterparty.unauthorized_rate",
        "weight": 15,
        "sentence": "The counterparty's unauthorized return rate is above the network threshold."
      }
    ],
    "returns": {
      "any": 3,
      "unauthorized": 2
    },
    "scoredN": 20,
    "holdShare": 0.1,
    "hardSignal": false,
    "windowDays": 180,
    "countryCode": "AE",
    "reviewShare": 0.3,
    "concentration": 0.0011550846739863698,
    "confidenceDecay": 1,
    "distinctEntities": 15,
    "distinctPrograms": 1,
    "firstSeenAgeDays": 0,
    "observationAgeDays": 2,
    "programsWithReturns": 1
  }
}