Entity report · generated 2026-09-18 03:01Z

Larch Studio 223 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

45n=45

Band

review

Confidence

0.94

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		2 unauthorized return(s) against it
2	ERS-RET-02 The entity's return rate is above five percent.	`entity.return_rate`	+15		return rate 3/45

Band transitions

When	From	To	Skoor	n
2026-09-17 19:31Z	unscored	review	45	28

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	null	unscored	0	null	ers-v1
2026-09-17 19:31Z	45	review	28	0.72	ers-v1
2026-09-17 19:32Z	45	review	45	0.94	ers-v1

Transfers

Window: 90 days
Transfers: 49
Volume: $37,511.56
Returns: 4 · 3 unauthorized
Scored: 49
Hold-band share: 0.0%n=49
Review-band share: 4.1%n=49

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $518.83 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $362.57 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:30Z	rapid_onboarding	The entity's first transfer, $910.51, above the program median, came 0.0 hours after verification.	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "entity.unauthorized_returns",
      "detail": "2 unauthorized return(s) against it",
      "weight": 30
    },
    {
      "code": "entity.return_rate",
      "detail": "return rate 3/45",
      "weight": 15
    }
  ],
  "inputs": {
    "n": 45,
    "alerts": {
      "opened": 3,
      "clearedByPerson": 0,
      "heldOrEscalated": 0
    },
    "reasons": [
      {
        "id": "ERS-RET-01",
        "hard": false,
        "detail": "2 unauthorized return(s) against it",
        "signal": "entity.unauthorized_returns",
        "weight": 30,
        "sentence": "The entity's transfers have drawn unauthorized returns."
      },
      {
        "id": "ERS-RET-02",
        "hard": false,
        "detail": "return rate 3/45",
        "signal": "entity.return_rate",
        "weight": 15,
        "sentence": "The entity's return rate is above five percent."
      }
    ],
    "returns": {
      "any": 3,
      "unauthorized": 2
    },
    "scoredN": 44,
    "holdShare": 0,
    "pepStatus": "no",
    "hardSignal": false,
    "isHighRisk": false,
    "windowDays": 90,
    "reviewShare": 0.045454545454545456,
    "velocityRatio": 1.105322073284779,
    "confidenceDecay": 1,
    "screeningAgeDays": 19,
    "observationAgeDays": 4,
    "verificationStatus": "VERIFIED",
    "distinctCounterparties": 29
  }
}