Entity report · generated 2026-09-18 02:56Z

Sandbox Structurer Entity Risk Skoor report

Current Skoor, its top reasons, its history, when it changed band, which signals appeared or disappeared, and everything decided about this entity. Built from the record; nothing here is estimated. Back to the entity →

Skoor

nulln=4

Band

unscored

Confidence

null

Version

ers-v1

As of

2026-09-17 23:15Z

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	ERS-HIS-01 A tenth or more of the entity's scored transfers landed in the hold band.	`entity.hold_share`	+25		50% of scored transfers in the hold band

Band transitions

The band has not changed across the recorded history.

Signal trends

Compared with the previous scoring at 2026-09-17 23:14Z.

Appeared: entity.hold_share (+25)
Disappeared: entity.review_share (+15)
Changed weight: none

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 23:13Z	null	unscored	0	null	ers-v1
2026-09-17 23:14Z	null	unscored	1	null	ers-v1
2026-09-17 23:15Z	null	unscored	4	null	ers-v1

Transfers

Window: 90 days
Transfers: 4
Volume: $37,600.00
Returns: 0 · 0 unauthorized
Scored: 4
Hold-band share: 50.0%n=4
Review-band share: 25.0%n=4

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 23:15Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,700.00 ach transfer: amount.gt_3x_median, structuring.pattern.	reviewed	held
2026-09-17 23:15Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,500.00 ach transfer: amount.gt_3x_median, structuring.pattern.	reviewed	held
2026-09-17 23:14Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	reviewed	held
2026-09-17 23:13Z	amount_just_below_threshold	A single $9,100.00 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	reviewed	open
2026-09-17 23:13Z	first_time_counterparty_large	First transfer to a new counterparty, $9,100.00, above the program's 95th percentile.	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "entity.hold_share",
      "detail": "50% of scored transfers in the hold band",
      "weight": 25
    }
  ],
  "inputs": {
    "n": 4,
    "alerts": {
      "opened": 4,
      "clearedByPerson": 0,
      "heldOrEscalated": 2
    },
    "reason": "history 4 below minimum 5",
    "reasons": [
      {
        "id": "ERS-HIS-01",
        "hard": false,
        "detail": "50% of scored transfers in the hold band",
        "signal": "entity.hold_share",
        "weight": 25,
        "sentence": "A tenth or more of the entity's scored transfers landed in the hold band."
      }
    ],
    "returns": {
      "any": 0,
      "unauthorized": 0
    },
    "scoredN": 4,
    "holdShare": 0.5,
    "pepStatus": "no",
    "hardSignal": false,
    "isHighRisk": false,
    "windowDays": 90,
    "reviewShare": 0.25,
    "velocityRatio": null,
    "screeningAgeDays": 2,
    "observationAgeDays": 0,
    "verificationStatus": "VERIFIED",
    "distinctCounterparties": 1
  }
}