Counterparty report · generated 2026-09-18 04:48Z

Receiver 27 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

65n=28

Band

review

Confidence

0.49

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 1/28 above the network threshold
3	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	35	21

Signal trends

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

Appeared: counterparty.unauthorized_returns (+40), counterparty.unauthorized_rate (+15)
Disappeared: counterparty.hold_share (+25)
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	35	review	21	0.39	crs-v1
2026-09-17 19:32Z	65	review	28	0.49	crs-v1

Transfers

Window: 180 days
Transfers: 28
Volume: $49,655.86
Returns: 1 · 1 unauthorized
Scored: 28
Hold-band share: 7.1%n=28
Review-band share: 0.0%n=28

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 65 (hold band) on a $9,703.25 ach transfer: amount.gt_10x_median, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	reviewed	held
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 65 (hold band) on a $9,711.80 ach transfer: amount.gt_10x_median, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	reviewed	held
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	reviewed	open
2026-09-17 19:30Z	velocity_spike	Entity velocity spiked: 4 transfers and $29,183.89 in 24 hours.	reviewed	held
2026-09-17 19:30Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	reviewed	held
2026-09-17 19:30Z	amount_just_below_threshold	A single $9,664.70 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	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 1/28 above the network threshold",
      "weight": 15
    },
    {
      "code": "counterparty.new",
      "detail": "first seen 0d ago",
      "weight": 10
    }
  ],
  "inputs": {
    "n": 28,
    "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 1/28 above the network threshold",
        "signal": "counterparty.unauthorized_rate",
        "weight": 15,
        "sentence": "The counterparty's unauthorized return rate is above the network threshold."
      },
      {
        "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": 1,
      "unauthorized": 1
    },
    "scoredN": 28,
    "holdShare": 0.07142857142857142,
    "hardSignal": false,
    "windowDays": 180,
    "countryCode": null,
    "reviewShare": 0,
    "concentration": 0.0076187724652466175,
    "confidenceDecay": 1,
    "distinctEntities": 17,
    "distinctPrograms": 1,
    "firstSeenAgeDays": 0,
    "observationAgeDays": 8,
    "programsWithReturns": 1
  }
}