Counterparty report · generated 2026-09-18 04:16Z

Receiver 2 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

10n=76

Band

clear

Confidence

0.80

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	Hard	Detail
1	CRS-NEW-01 The counterparty was first seen less than a week ago.	`counterparty.new`	+10		first seen 0d ago

Band transitions

The band has not changed across the recorded history.

Signal trends

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

Appeared: none
Disappeared: none
Changed weight: none

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:30Z	10	clear	4	0.12	crs-v1
2026-09-17 19:31Z	10	clear	46	0.73	crs-v1
2026-09-17 19:32Z	10	clear	76	0.80	crs-v1

Transfers

Window: 180 days
Transfers: 77
Volume: $200,285.52
Returns: 1 · 0 unauthorized
Scored: 76
Hold-band share: 2.6%n=76
Review-band share: 5.3%n=76

Alerts

Opened	Detector	Summary	Route	Status
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	skoor_review	Transaction Risk Skoor 30 (review band) on a $3,917.66 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	reviewed	open
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,203.67 ach transfer: amount.gt_3x_median, structuring.pattern.	reviewed	held
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	reviewed	open
2026-09-17 19:30Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,868.16 ach transfer: amount.gt_3x_median, structuring.pattern.	reviewed	held
2026-09-17 19:30Z	structuring_pattern	The entity made 4 ACH debits just under $10,000 within 24 hours.	reviewed	held
2026-09-17 19:30Z	amount_just_below_threshold	A single $9,144.42 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	reviewed	open
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	rapid_onboarding	The entity's first transfer, $2,745.63, above the program median, came 0.0 hours after verification.	reviewed	open
2026-09-17 19:30Z	rapid_onboarding	The entity's first transfer, $3,503.49, above the program median, came 0.0 hours after verification.	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "counterparty.new",
      "detail": "first seen 0d ago",
      "weight": 10
    }
  ],
  "inputs": {
    "n": 76,
    "reasons": [
      {
        "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": 0
    },
    "scoredN": 74,
    "holdShare": 0.02702702702702703,
    "hardSignal": false,
    "windowDays": 180,
    "countryCode": null,
    "reviewShare": 0.05405405405405406,
    "concentration": 0.03122113801765594,
    "confidenceDecay": 1,
    "distinctEntities": 26,
    "distinctPrograms": 1,
    "firstSeenAgeDays": 0,
    "observationAgeDays": 3,
    "programsWithReturns": 1
  }
}