Program report · generated 2026-09-18 02:04Z

Northwind Payroll (simulated) Program Risk Skoor report

The Program Skoor and every KRI behind it, with the change since the previous snapshot. Its place among this bank's programs is stated as a position, never as a percentile across banks. Back to the program → · Weekly report →

Program Skoor

55n=7402

Band

review

Version

prs-v1

Window

60d

Among programs

2 of 4

Program Skoor, 1 = lowest, among this bank's programs with a Program Skoor.

KRIs and what changed

KRI	Value	Previous	Delta	Status	Previous status	n
frozen_accounts	0	0	0	ok	ok	2
hold_aging_hours	524.7479847222222	524.497985	0.25	watch	watch	2
overdraft_events	0	0	0	ok	ok	2
manual_review_rate	0.9%	0.9%	0.00 pts	ok	ok	1335
card_fraud_declines	null	null	—	unmeasured	unmeasured	0
pep_flagged_entities	1	1	0	watch	watch	34
velocity_vs_declared	59.9%	59.9%	0.00 pts	ok	ok	671
stale_screening_share	0.0%	0.0%	0.00 pts	ok	ok	34
high_risk_entity_share	5.9%	5.9%	0.00 pts	watch	watch	34
reserve_coverage_ratio	108.3%	108.3%	0.00 pts	ok	ok	643
ach_overall_return_rate	1.2%	1.2%	0.00 pts	ok	ok	643
verification_denial_rate	2.9%	2.9%	0.00 pts	ok	ok	34
manual_review_aging_hours	1365.3429847222221	1365.092985	0.25	breach	breach	12
ach_unauthorized_return_rate	0.2%	0.2%	0.00 pts	ok	ok	643
sanctioned_country_transfers	0	0	0	ok	ok	1335
ach_administrative_return_rate	0.5%	0.5%	0.00 pts	ok	ok	643
counterparty_concentration_top1	8.6%	8.6%	0.00 pts	ok	ok	1335

Band transitions

When	From	To	Program Skoor	n
2026-09-17 19:30Z	clear	review	55	343

History

As of	Program Skoor	Band	n
2026-09-17 19:30Z	20	clear	136
2026-09-17 19:30Z	20	clear	136
2026-09-17 19:30Z	55	review	343
2026-09-17 19:30Z	45	review	705
2026-09-17 19:30Z	45	review	967
2026-09-17 19:30Z	45	review	1370
2026-09-17 19:30Z	45	review	1678
2026-09-17 19:30Z	45	review	2003
2026-09-17 19:30Z	45	review	2298
2026-09-17 19:30Z	45	review	2603
2026-09-17 19:31Z	45	review	2957
2026-09-17 19:31Z	45	review	3250
2026-09-17 19:31Z	45	review	3622
2026-09-17 19:31Z	45	review	4062
2026-09-17 19:31Z	45	review	4547
2026-09-17 19:31Z	55	review	4880
2026-09-17 19:31Z	55	review	5302
2026-09-17 19:31Z	55	review	5746
2026-09-17 19:31Z	55	review	6138
2026-09-17 19:31Z	55	review	6467
2026-09-17 19:32Z	55	review	6739
2026-09-17 19:32Z	55	review	7096
2026-09-17 19:32Z	55	review	7398
2026-09-17 19:44Z	55	review	7442
2026-09-17 19:59Z	55	review	7442
2026-09-17 20:14Z	55	review	7441
2026-09-17 20:29Z	55	review	7441
2026-09-17 20:44Z	55	review	7440
2026-09-17 20:59Z	55	review	7440
2026-09-17 21:14Z	55	review	7433
2026-09-17 21:29Z	55	review	7433
2026-09-17 21:44Z	55	review	7433
2026-09-17 21:59Z	55	review	7426
2026-09-17 22:18Z	55	review	7418
2026-09-17 22:33Z	55	review	7407
2026-09-17 22:48Z	55	review	7407
2026-09-17 23:03Z	55	review	7407
2026-09-17 23:26Z	55	review	7434
2026-09-17 23:41Z	55	review	7433
2026-09-17 23:56Z	55	review	7432
2026-09-18 00:14Z	55	review	7427
2026-09-18 00:29Z	55	review	7422
2026-09-18 00:44Z	55	review	7421
2026-09-18 00:59Z	55	review	7417
2026-09-18 01:14Z	55	review	7417
2026-09-18 01:29Z	55	review	7403
2026-09-18 01:44Z	55	review	7402
2026-09-18 01:59Z	55	review	7402

Transfers, last 30 days

Window: 30 days
Transfers: 670
Volume: $1,495,966.39
Returns: 12 · 2 unauthorized
Scored: 670
Hold-band share: 0.9%n=670
Review-band share: 13.7%n=670

Alerts by detector, last 30 days

Detector	Route	Count
skoor_review	reviewed	77
sanctions_or_pep	reviewed	72
rapid_onboarding	reviewed	19
first_time_counterparty_large	reviewed	11
skoor_hold	reviewed	9
counterparty_hold	reviewed	7
velocity_spike	reviewed	7
structuring_pattern	reviewed	4
amount_just_below_threshold	reviewed	3
denied_entity_activity	reviewed	2
manual_review_aging	reviewed	2
burst_then_dormant	reviewed	2
entity_hold	reviewed	1