Counterparty report · generated 2026-09-18 03:55Z

Receiver 3 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

80n=36

Band

hold

Confidence

0.60

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-RET-02 The counterparty's unauthorized return rate is above the network threshold.	`counterparty.unauthorized_rate`	+15	unauthorized rate 2/36 above the network threshold
3	CRS-RET-03 The counterparty's return rate is above five percent.	`counterparty.return_rate`	+15	return rate 3/36

Band transitions

When	From	To	Skoor	n
2026-09-17 19:32Z	clear	hold	80	36

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)
Disappeared: none
Changed weight: none

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:30Z	10	clear	4	0.13	crs-v1
2026-09-17 19:31Z	10	clear	24	0.44	crs-v1
2026-09-17 19:32Z	80	hold	36	0.60	crs-v1

Transfers

Window: 180 days
Transfers: 38
Volume: $26,612.16
Returns: 3 · 2 unauthorized
Scored: 38
Hold-band share: 5.3%n=38
Review-band share: 21.1%n=38

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 75 (hold band) on a $1,112.62 ach transfer: returns.counterparty_prior_unauthorized, structuring.pattern.	reviewed	held
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $299.73 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $536.03 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $926.03 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:32Z	counterparty_hold	Counterparty Receiver 3 entered the hold band (Skoor 80, n=36): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.new.	reviewed	held
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	reviewed	open
2026-09-17 19:31Z	rapid_onboarding	The entity's first transfer, $2,400.00, above the program median, came 0.0 hours after verification.	reviewed	held
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $430.86 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 100 (hold band) on a $2,400.00 ach transfer: entity.denied, returns.counterparty_prior_unauthorized, amount.gt_3x_median.	reviewed	held
2026-09-17 19:31Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	reviewed	held
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $577.47 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $518.83 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $868.17 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	denied_entity_activity	A $2,400.00 ach transfer was initiated for an entity whose verification was denied.	reviewed	held
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	reviewed	open
2026-09-17 19:30Z	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 2 unauthorized return(s)",
      "weight": 40
    },
    {
      "code": "counterparty.unauthorized_rate",
      "detail": "unauthorized rate 2/36 above the network threshold",
      "weight": 15
    },
    {
      "code": "counterparty.return_rate",
      "detail": "return rate 3/36",
      "weight": 15
    },
    {
      "code": "counterparty.new",
      "detail": "first seen 0d ago",
      "weight": 10
    }
  ],
  "inputs": {
    "n": 36,
    "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-RET-02",
        "hard": false,
        "detail": "unauthorized rate 2/36 above the network threshold",
        "signal": "counterparty.unauthorized_rate",
        "weight": 15,
        "sentence": "The counterparty's unauthorized return rate is above the network threshold."
      },
      {
        "id": "CRS-RET-03",
        "hard": false,
        "detail": "return rate 3/36",
        "signal": "counterparty.return_rate",
        "weight": 15,
        "sentence": "The counterparty's return rate is above five percent."
      }
    ],
    "returns": {
      "any": 3,
      "unauthorized": 2
    },
    "scoredN": 36,
    "holdShare": 0.05555555555555555,
    "hardSignal": false,
    "windowDays": 180,
    "countryCode": null,
    "reviewShare": 0.16666666666666666,
    "concentration": 0.004005215811418074,
    "confidenceDecay": 1,
    "distinctEntities": 21,
    "distinctPrograms": 1,
    "firstSeenAgeDays": 0,
    "observationAgeDays": 2,
    "programsWithReturns": 1
  }
}