Entity report · generated 2026-09-18 03:07Z

Fern Studio 15 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

30n=106

Band

review

Confidence

1.00

Version

ers-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	ERS-RET-01 The entity's transfers have drawn unauthorized returns.	`entity.unauthorized_returns`	+30		1 unauthorized return(s) against it

Band transitions

When	From	To	Skoor	n
2026-09-17 19:31Z	unscored	clear	0	61
2026-09-17 19:32Z	clear	review	30	106

Signal trends

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

Appeared: entity.unauthorized_returns (+30)
Disappeared: none
Changed weight: none

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:30Z	null	unscored	0	null	ers-v1
2026-09-17 19:31Z	0	clear	61	0.97	ers-v1
2026-09-17 19:32Z	30	review	106	1.00	ers-v1

Transfers

Window: 90 days
Transfers: 115
Volume: $51,284.81
Returns: 3 · 1 unauthorized
Scored: 113
Hold-band share: 0.0%n=113
Review-band share: 8.0%n=113

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $293.34 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $196.82 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $202.24 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $315.34 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $214.37 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $352.65 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	burst_then_dormant	The entity made 6 transfers on 2026-08-04 and has been silent for 43 days since.	reviewed	open
2026-09-17 19:31Z	first_time_counterparty_large	First transfer to a new counterparty, $864.14, above the program's 95th percentile.	reviewed	open
2026-09-17 19:30Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $264.41 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:30Z	rapid_onboarding	The entity's first transfer, $411.96, above the program median, came 0.0 hours after verification.	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "entity.unauthorized_returns",
      "detail": "1 unauthorized return(s) against it",
      "weight": 30
    }
  ],
  "inputs": {
    "n": 106,
    "alerts": {
      "opened": 7,
      "clearedByPerson": 0,
      "heldOrEscalated": 0
    },
    "reasons": [
      {
        "id": "ERS-RET-01",
        "hard": false,
        "detail": "1 unauthorized return(s) against it",
        "signal": "entity.unauthorized_returns",
        "weight": 30,
        "sentence": "The entity's transfers have drawn unauthorized returns."
      }
    ],
    "returns": {
      "any": 3,
      "unauthorized": 1
    },
    "scoredN": 104,
    "holdShare": 0,
    "pepStatus": "no",
    "hardSignal": false,
    "isHighRisk": false,
    "windowDays": 90,
    "reviewShare": 0.0673076923076923,
    "velocityRatio": 1.1785381158314254,
    "confidenceDecay": 1,
    "screeningAgeDays": 12,
    "observationAgeDays": 4,
    "verificationStatus": "VERIFIED",
    "distinctCounterparties": 64
  }
}