Counterparty report · generated 2026-09-18 03:32Z

Receiver 12 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

75n=31

Band

hold

Confidence

0.53

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 1 unauthorized return(s)
2	CRS-RET-02 The counterparty's unauthorized return rate is above the network threshold.	`counterparty.unauthorized_rate`	+15	unauthorized rate 1/31 above the network threshold
3	CRS-HIS-02 Three in ten or more of the transfers with this counterparty landed in the review band.	`counterparty.review_share`	+10	39% in the review band

Band transitions

When	From	To	Skoor	n
2026-09-17 19:31Z	unscored	review	65	21
2026-09-17 19:32Z	review	hold	75	31

Signal trends

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

Appeared: 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	65	review	21	0.39	crs-v1
2026-09-17 19:32Z	75	hold	31	0.53	crs-v1

Transfers

Window: 180 days
Transfers: 31
Volume: $14,259.16
Returns: 1 · 1 unauthorized
Scored: 31
Hold-band share: 0.0%n=31
Review-band share: 38.7%n=31

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	counterparty_hold	Counterparty Receiver 12 entered the hold band (Skoor 75, n=31): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.review_share, counterparty.new.	reviewed	held
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $768.61 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $687.97 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $247.11 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $879.21 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $376.50 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $386.76 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $204.03 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $253.70 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	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

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "counterparty.unauthorized_returns",
      "detail": "drew 1 unauthorized return(s)",
      "weight": 40
    },
    {
      "code": "counterparty.unauthorized_rate",
      "detail": "unauthorized rate 1/31 above the network threshold",
      "weight": 15
    },
    {
      "code": "counterparty.review_share",
      "detail": "39% in the review band",
      "weight": 10
    },
    {
      "code": "counterparty.new",
      "detail": "first seen 0d ago",
      "weight": 10
    }
  ],
  "inputs": {
    "n": 31,
    "reasons": [
      {
        "id": "CRS-RET-01",
        "hard": false,
        "detail": "drew 1 unauthorized return(s)",
        "signal": "counterparty.unauthorized_returns",
        "weight": 40,
        "sentence": "The counterparty has drawn unauthorized returns."
      },
      {
        "id": "CRS-RET-02",
        "hard": false,
        "detail": "unauthorized rate 1/31 above the network threshold",
        "signal": "counterparty.unauthorized_rate",
        "weight": 15,
        "sentence": "The counterparty's unauthorized return rate is above the network threshold."
      },
      {
        "id": "CRS-HIS-02",
        "hard": false,
        "detail": "39% in the review band",
        "signal": "counterparty.review_share",
        "weight": 10,
        "sentence": "Three in ten or more of the transfers with this counterparty landed in the review band."
      }
    ],
    "returns": {
      "any": 1,
      "unauthorized": 1
    },
    "scoredN": 31,
    "holdShare": 0,
    "hardSignal": false,
    "windowDays": 180,
    "countryCode": null,
    "reviewShare": 0.3870967741935484,
    "concentration": 0.0021878041299767228,
    "confidenceDecay": 1,
    "distinctEntities": 17,
    "distinctPrograms": 1,
    "firstSeenAgeDays": 0,
    "observationAgeDays": 1,
    "programsWithReturns": 1
  }
}