Counterparty report · generated 2026-09-18 03:31Z

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=22

Band

hold

Confidence

0.41

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 1/22 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	62% in the review band

Band transitions

When	From	To	Skoor	n
2026-09-17 19:31Z	unscored	hold	90	17

Signal trends

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

Appeared: none
Disappeared: counterparty.return_rate (+15)
Changed weight: none

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:30Z	null	unscored	1	null	crs-v1
2026-09-17 19:31Z	90	hold	17	0.33	crs-v1
2026-09-17 19:32Z	75	hold	22	0.41	crs-v1

Transfers

Window: 180 days
Transfers: 23
Volume: $46,172.82
Returns: 1 · 1 unauthorized
Scored: 22
Hold-band share: 0.0%n=22
Review-band share: 77.3%n=22

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $2,457.13 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $3,063.16 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,706.86 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $842.18 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,940.43 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $3,271.25 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,554.60 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $905.67 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	counterparty_hold	Counterparty Receiver 12 entered the hold band (Skoor 90, n=17): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.review_share, counterparty.new.	reviewed	held
2026-09-17 19:30Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,879.63 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:30Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $3,120.70 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:30Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,936.34 ach transfer: returns.counterparty_prior_unauthorized.	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	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: 1 transfers and $3,973.82 in 24 hours.	reviewed	open
2026-09-17 19:30Z	first_time_counterparty_large	First transfer to a new counterparty, $3,632.11, above the program's 95th percentile.	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 1/22 above the network threshold",
      "weight": 15
    },
    {
      "code": "counterparty.review_share",
      "detail": "62% in the review band",
      "weight": 10
    },
    {
      "code": "counterparty.new",
      "detail": "first seen 0d ago",
      "weight": 10
    }
  ],
  "inputs": {
    "n": 22,
    "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 1/22 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": "62% 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": 21,
    "holdShare": 0,
    "hardSignal": false,
    "windowDays": 180,
    "countryCode": null,
    "reviewShare": 0.6190476190476191,
    "concentration": 0.006965690074645684,
    "confidenceDecay": 1,
    "distinctEntities": 18,
    "distinctPrograms": 1,
    "firstSeenAgeDays": 0,
    "observationAgeDays": 4,
    "programsWithReturns": 1
  }
}