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

Grove Co 06 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=68

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		3 unauthorized return(s) against it

Band transitions

When	From	To	Skoor	n
2026-09-17 19:31Z	unscored	review	30	42

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	30	review	42	0.88	ers-v1
2026-09-17 19:32Z	30	review	68	1.00	ers-v1

Transfers

Window: 90 days
Transfers: 74
Volume: $143,328.39
Returns: 3 · 3 unauthorized
Scored: 73
Hold-band share: 0.0%n=73
Review-band share: 5.5%n=73

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,795.21 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,653.85 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,118.42 ach transfer: returns.counterparty_prior_unauthorized.	reviewed	open
2026-09-17 19:30Z	burst_then_dormant	The entity made 5 transfers on 2026-07-29 and has been silent for 49 days since.	reviewed	open
2026-09-17 19:30Z	rapid_onboarding	The entity's first transfer, $2,767.71, above the program median, came 0.0 hours after verification.	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "entity.unauthorized_returns",
      "detail": "3 unauthorized return(s) against it",
      "weight": 30
    }
  ],
  "inputs": {
    "n": 68,
    "alerts": {
      "opened": 2,
      "clearedByPerson": 0,
      "heldOrEscalated": 0
    },
    "reasons": [
      {
        "id": "ERS-RET-01",
        "hard": false,
        "detail": "3 unauthorized return(s) against it",
        "signal": "entity.unauthorized_returns",
        "weight": 30,
        "sentence": "The entity's transfers have drawn unauthorized returns."
      }
    ],
    "returns": {
      "any": 3,
      "unauthorized": 3
    },
    "scoredN": 66,
    "holdShare": 0,
    "pepStatus": "no",
    "hardSignal": false,
    "isHighRisk": false,
    "windowDays": 90,
    "reviewShare": 0.030303030303030304,
    "velocityRatio": 0.9659092045056957,
    "confidenceDecay": 1,
    "screeningAgeDays": 7,
    "observationAgeDays": 4,
    "verificationStatus": "VERIFIED",
    "distinctCounterparties": 45
  }
}