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

Fern Studio 317 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

25n=16

Band

clear

Confidence

0.59

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-02 The entity's return rate is above five percent.	`entity.return_rate`	+15		return rate 1/16
2	ERS-VEL-01 The entity's volume in the last 30 days is more than twice its prior monthly volume.	`entity.velocity`	+10		last 30 days 3.0× its prior monthly volume

Band transitions

When	From	To	Skoor	n
2026-09-17 19:31Z	unscored	clear	0	9

Signal trends

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

Appeared: entity.return_rate (+15), entity.velocity (+10)
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	9	0.49	ers-v1
2026-09-17 19:32Z	25	clear	16	0.59	ers-v1

Transfers

Window: 90 days
Transfers: 17
Volume: $22,793.20
Returns: 1 · 0 unauthorized
Scored: 17
Hold-band share: 0.0%n=17
Review-band share: 17.6%n=17

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $574.43 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,571.62 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,842.68 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "entity.return_rate",
      "detail": "return rate 1/16",
      "weight": 15
    },
    {
      "code": "entity.velocity",
      "detail": "last 30 days 3.0× its prior monthly volume",
      "weight": 10
    }
  ],
  "inputs": {
    "n": 16,
    "alerts": {
      "opened": 2,
      "clearedByPerson": 0,
      "heldOrEscalated": 0
    },
    "reasons": [
      {
        "id": "ERS-RET-02",
        "hard": false,
        "detail": "return rate 1/16",
        "signal": "entity.return_rate",
        "weight": 15,
        "sentence": "The entity's return rate is above five percent."
      },
      {
        "id": "ERS-VEL-01",
        "hard": false,
        "detail": "last 30 days 3.0× its prior monthly volume",
        "signal": "entity.velocity",
        "weight": 10,
        "sentence": "The entity's volume in the last 30 days is more than twice its prior monthly volume."
      }
    ],
    "returns": {
      "any": 1,
      "unauthorized": 0
    },
    "scoredN": 16,
    "holdShare": 0,
    "pepStatus": "no",
    "hardSignal": false,
    "isHighRisk": false,
    "windowDays": 90,
    "reviewShare": 0.1875,
    "velocityRatio": 3.031648940462549,
    "confidenceDecay": 1,
    "screeningAgeDays": 12,
    "observationAgeDays": 4,
    "verificationStatus": "VERIFIED",
    "distinctCounterparties": 14
  }
}