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

Denied Origin 0 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

100n=2

Band

hold

Confidence

0.42

Version

ers-v1

As of

2026-09-17 19:31Z

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-VER-01 Identity verification was denied.	`entity.denied`	+60	yes	verification DENIED
2	ERS-HIS-01 A tenth or more of the entity's scored transfers landed in the hold band.	`entity.hold_share`	+25		100% of scored transfers in the hold band
3	ERS-SCR-01 Screening marked the entity as high risk.	`entity.high_risk`	+20		marked high risk by screening

Band transitions

The band has not changed across the recorded history.

Signal trends

Compared with the previous scoring at 2026-09-17 19:30Z.

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

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:30Z	80	hold	0	0.40	ers-v1
2026-09-17 19:31Z	100	hold	2	0.42	ers-v1

Transfers

Window: 90 days
Transfers: 2
Volume: $4,800.00
Returns: 0 · 0 unauthorized
Scored: 2
Hold-band share: 100.0%n=2
Review-band share: 0.0%n=2

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 100 (hold band) on a $2,400.00 ach transfer: entity.denied, entity.high_risk, returns.counterparty_prior_unauthorized.	reviewed	held
2026-09-17 19:32Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	reviewed	held
2026-09-17 19:32Z	denied_entity_activity	A $2,400.00 ach transfer was initiated for an entity whose verification was denied.	reviewed	held
2026-09-17 19:31Z	rapid_onboarding	The entity's first transfer, $2,400.00, above the program median, came 0.0 hours after verification.	reviewed	held
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 80 (hold band) on a $2,400.00 ach transfer: entity.denied, entity.high_risk.	reviewed	held
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	reviewed	held
2026-09-17 19:31Z	denied_entity_activity	A $2,400.00 ach transfer was initiated for an entity whose verification was denied.	reviewed	held
2026-09-17 19:30Z	entity_hold	Entity Denied Origin 0 entered the hold band (Skoor 80, n=0): entity.denied, entity.high_risk.	reviewed	held

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "entity.denied",
      "hard": true,
      "detail": "verification DENIED",
      "weight": 60
    },
    {
      "code": "entity.high_risk",
      "detail": "marked high risk by screening",
      "weight": 20
    },
    {
      "code": "entity.hold_share",
      "detail": "100% of scored transfers in the hold band",
      "weight": 25
    }
  ],
  "inputs": {
    "n": 2,
    "alerts": {
      "opened": 3,
      "clearedByPerson": 0,
      "heldOrEscalated": 3
    },
    "reasons": [
      {
        "id": "ERS-VER-01",
        "hard": true,
        "detail": "verification DENIED",
        "signal": "entity.denied",
        "weight": 60,
        "sentence": "Identity verification was denied."
      },
      {
        "id": "ERS-HIS-01",
        "hard": false,
        "detail": "100% 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."
      },
      {
        "id": "ERS-SCR-01",
        "hard": false,
        "detail": "marked high risk by screening",
        "signal": "entity.high_risk",
        "weight": 20,
        "sentence": "Screening marked the entity as high risk."
      }
    ],
    "returns": {
      "any": 0,
      "unauthorized": 0
    },
    "scoredN": 2,
    "holdShare": 1,
    "pepStatus": "no",
    "hardSignal": true,
    "isHighRisk": true,
    "windowDays": 90,
    "reviewShare": 0,
    "velocityRatio": 2,
    "confidenceDecay": 1,
    "screeningAgeDays": 85,
    "observationAgeDays": 7,
    "verificationStatus": "DENIED",
    "distinctCounterparties": 2
  }
}