Program report · generated 2026-09-18 02:05Z

Lantern Lending (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

45n=3991

Band

review

Version

prs-v1

Window

60d

Among programs

1 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	1412.9094316666667	1412.6594375	0.25	watch	watch	3
overdraft_events	0	0	0	ok	ok	2
manual_review_rate	1.0%	1.1%	-0.13 pts	ok	ok	735
card_fraud_declines	null	null	—	unmeasured	unmeasured	0
pep_flagged_entities	1	1	0	watch	watch	33
velocity_vs_declared	60.0%	60.0%	0.00 pts	ok	ok	368
stale_screening_share	0.0%	0.0%	0.00 pts	ok	ok	33
high_risk_entity_share	3.0%	3.0%	0.00 pts	ok	ok	33
reserve_coverage_ratio	122.4%	122.4%	0.00 pts	ok	ok	318
ach_overall_return_rate	0.9%	0.9%	0.00 pts	ok	ok	318
verification_denial_rate	3.0%	3.0%	0.00 pts	ok	ok	33
manual_review_aging_hours	1368.4174872222222	1439.780548611111	-71.3631	breach	breach	7
ach_unauthorized_return_rate	0.0%	0.0%	0.00 pts	ok	ok	318
sanctioned_country_transfers	0	0	0	ok	ok	735
ach_administrative_return_rate	0.0%	0.0%	0.00 pts	ok	ok	318
counterparty_concentration_top1	11.1%	11.2%	-0.15 pts	ok	ok	735

Band transitions

When	From	To	Program Skoor	n
2026-09-17 19:30Z	clear	review	55	388

History

As of	Program Skoor	Band	n
2026-09-17 19:30Z	10	clear	136
2026-09-17 19:30Z	55	review	388
2026-09-17 19:30Z	45	review	688
2026-09-17 19:30Z	45	review	1021
2026-09-17 19:30Z	45	review	1324
2026-09-17 19:31Z	45	review	1659
2026-09-17 19:31Z	45	review	1979
2026-09-17 19:31Z	45	review	2321
2026-09-17 19:31Z	45	review	2754
2026-09-17 19:31Z	45	review	3138
2026-09-17 19:31Z	45	review	3473
2026-09-17 19:32Z	45	review	3829
2026-09-17 19:32Z	45	review	4021
2026-09-17 19:44Z	45	review	4021
2026-09-17 19:59Z	45	review	4021
2026-09-17 20:14Z	45	review	4021
2026-09-17 20:29Z	45	review	4020
2026-09-17 20:44Z	45	review	4019
2026-09-17 20:59Z	45	review	4019
2026-09-17 21:14Z	45	review	4018
2026-09-17 21:29Z	45	review	4017
2026-09-17 21:44Z	45	review	4009
2026-09-17 21:59Z	45	review	4009
2026-09-17 22:18Z	45	review	4009
2026-09-17 22:33Z	45	review	4009
2026-09-17 22:48Z	45	review	4006
2026-09-17 23:03Z	45	review	4006
2026-09-17 23:26Z	45	review	4005
2026-09-17 23:41Z	45	review	4002
2026-09-17 23:56Z	45	review	4001
2026-09-18 00:18Z	45	review	3998
2026-09-18 00:29Z	45	review	3998
2026-09-18 00:44Z	45	review	3998
2026-09-18 00:59Z	45	review	3995
2026-09-18 01:14Z	45	review	3995
2026-09-18 01:29Z	45	review	3995
2026-09-18 01:44Z	45	review	3995
2026-09-18 01:59Z	45	review	3991

Transfers, last 30 days

Window: 30 days
Transfers: 368
Volume: $540,133.88
Returns: 4 · 1 unauthorized
Scored: 368
Hold-band share: 1.4%n=368
Review-band share: 14.1%n=368

Alerts by detector, last 30 days

Detector	Route	Count
skoor_review	reviewed	57
sanctions_or_pep	reviewed	40
rapid_onboarding	reviewed	15
velocity_spike	reviewed	7
first_time_counterparty_large	reviewed	5
skoor_hold	reviewed	5
manual_review_aging	reviewed	2
counterparty_hold	reviewed	2
structuring_pattern	reviewed	2
amount_just_below_threshold	reviewed	1
denied_entity_activity	reviewed	1
entity_hold	reviewed	1