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

Harbor Marketplace Payouts (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

100n=10891

Band

hold

Version

prs-v1

Window

60d

Among programs

4 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	3
hold_aging_hours	1030.436896111111	1030.1868938888888	0.25	watch	watch	11
overdraft_events	1	1	0	watch	watch	3
manual_review_rate	0.8%	0.8%	0.00 pts	ok	ok	2059
card_fraud_declines	1	1	0	watch	watch	1
pep_flagged_entities	1	1	0	watch	watch	30
velocity_vs_declared	13.3%	13.3%	-0.01 pts	ok	ok	1043
stale_screening_share	0.0%	0.0%	0.00 pts	ok	ok	30
high_risk_entity_share	6.7%	6.7%	0.00 pts	watch	watch	30
reserve_coverage_ratio	111.9%	111.9%	0.00 pts	ok	ok	879
ach_overall_return_rate	2.6%	2.6%	0.00 pts	ok	ok	879
verification_denial_rate	3.3%	3.3%	0.00 pts	ok	ok	30
manual_review_aging_hours	1388.8930072222222	1388.643005	0.25	breach	breach	17
ach_unauthorized_return_rate	0.8%	0.8%	0.00 pts	breach	breach	879
sanctioned_country_transfers	0	0	0	ok	ok	2059
ach_administrative_return_rate	0.8%	0.8%	0.00 pts	ok	ok	879
counterparty_concentration_top1	7.2%	7.2%	0.00 pts	ok	ok	2059

Band transitions

When	From	To	Program Skoor	n
2026-09-17 19:30Z	clear	review	55	274
2026-09-17 19:30Z	review	hold	70	2750

History

As of	Program Skoor	Band	n
2026-09-17 19:30Z	20	clear	124
2026-09-17 19:30Z	20	clear	124
2026-09-17 19:30Z	20	clear	124
2026-09-17 19:30Z	55	review	274
2026-09-17 19:30Z	45	review	531
2026-09-17 19:30Z	45	review	873
2026-09-17 19:30Z	45	review	1179
2026-09-17 19:30Z	45	review	1508
2026-09-17 19:30Z	45	review	1798
2026-09-17 19:30Z	45	review	2141
2026-09-17 19:30Z	45	review	2406
2026-09-17 19:30Z	70	hold	2750
2026-09-17 19:30Z	80	hold	3149
2026-09-17 19:30Z	80	hold	3402
2026-09-17 19:30Z	80	hold	3691
2026-09-17 19:31Z	80	hold	3995
2026-09-17 19:31Z	80	hold	4313
2026-09-17 19:31Z	80	hold	4675
2026-09-17 19:31Z	80	hold	5077
2026-09-17 19:31Z	80	hold	5450
2026-09-17 19:31Z	80	hold	5836
2026-09-17 19:31Z	80	hold	6201
2026-09-17 19:31Z	80	hold	6533
2026-09-17 19:31Z	80	hold	6965
2026-09-17 19:31Z	80	hold	7346
2026-09-17 19:31Z	80	hold	7747
2026-09-17 19:31Z	80	hold	8123
2026-09-17 19:31Z	80	hold	8517
2026-09-17 19:31Z	80	hold	8995
2026-09-17 19:31Z	80	hold	9333
2026-09-17 19:31Z	90	hold	9628
2026-09-17 19:32Z	90	hold	9916
2026-09-17 19:32Z	100	hold	10181
2026-09-17 19:32Z	100	hold	10578
2026-09-17 19:32Z	100	hold	10858
2026-09-17 19:32Z	100	hold	11032
2026-09-17 19:44Z	100	hold	11032
2026-09-17 19:59Z	100	hold	11032
2026-09-17 20:14Z	100	hold	11022
2026-09-17 20:29Z	100	hold	11007
2026-09-17 20:44Z	100	hold	11005
2026-09-17 20:59Z	100	hold	10994
2026-09-17 21:14Z	100	hold	10990
2026-09-17 21:29Z	100	hold	10971
2026-09-17 21:44Z	100	hold	10970
2026-09-17 21:59Z	100	hold	10961
2026-09-17 22:18Z	100	hold	10959
2026-09-17 22:33Z	100	hold	10951
2026-09-17 22:48Z	100	hold	10951
2026-09-17 23:03Z	100	hold	10947
2026-09-17 23:26Z	100	hold	10943
2026-09-17 23:41Z	100	hold	10941
2026-09-17 23:56Z	100	hold	10940
2026-09-18 00:15Z	100	hold	10932
2026-09-18 00:29Z	100	hold	10925
2026-09-18 00:44Z	100	hold	10915
2026-09-18 00:59Z	100	hold	10907
2026-09-18 01:14Z	100	hold	10904
2026-09-18 01:29Z	100	hold	10900
2026-09-18 01:44Z	100	hold	10892
2026-09-18 01:59Z	100	hold	10891

Transfers, last 30 days

Window: 30 days
Transfers: 1043
Volume: $532,570.00
Returns: 25 · 5 unauthorized
Scored: 1043
Hold-band share: 1.2%n=1043
Review-band share: 17.9%n=1043

Alerts by detector, last 30 days

Detector	Route	Count
skoor_review	reviewed	144
sanctions_or_pep	reviewed	80
rapid_onboarding	reviewed	16
first_time_counterparty_large	reviewed	13
velocity_spike	reviewed	12
skoor_hold	reviewed	11
counterparty_hold	reviewed	9
burst_then_dormant	reviewed	8
structuring_pattern	reviewed	3
agent_out_of_scope	reviewed	3
overdraft_or_frozen	reviewed	2
return_rate_breach	reviewed	2
entity_hold	reviewed	2
amount_just_below_threshold	reviewed	2
manual_review_aging	reviewed	2
denied_entity_activity	reviewed	2