Counterparty report · generated 2026-09-18 04:53Z

Settlement Agent (Northwind vendor) 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=99

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	3	0.11	crs-v1
2026-09-17 19:31Z	10	clear	55	0.79	crs-v1
2026-09-17 19:32Z	10	clear	99	0.80	crs-v1

Transfers

Window: 180 days
Transfers: 109
Volume: $210,439.76
Returns: 1 · 0 unauthorized
Scored: 106
Hold-band share: 0.0%n=106
Review-band share: 7.5%n=106

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $1,267.07 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	reviewed	open
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 19:31Z	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
2026-09-17 19:30Z	rapid_onboarding	The entity's first transfer, $2,015.45, above the program median, came 0.0 hours after verification.	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, $2,666.30, 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": 99,
    "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": 95,
    "holdShare": 0,
    "hardSignal": false,
    "windowDays": 180,
    "countryCode": null,
    "reviewShare": 0.06315789473684211,
    "concentration": 0.031623123703548583,
    "confidenceDecay": 1,
    "distinctEntities": 29,
    "distinctPrograms": 1,
    "firstSeenAgeDays": 0,
    "observationAgeDays": 4,
    "programsWithReturns": 1
  }
}