Transfer · ach outgoing

$9,100.00 USD

Id: acht_sb_33c93fbe7c831401
Status: SETTLED
Type: DEBIT
Entity: enti_sb_b97299e172269885
Account: bacc_sb_99e172269885
Counterparty: cpty_sb_b275b92613f08df9 (US)
SEC code: WEB
Return code: —
Created: 2026-09-17 08:13Z
Effective: 2026-09-18 00:00Z

Transaction Risk Skoor

Skoor

35n=1476

Band

review

Confidence

0.70

Version

trs-v1

Scored 2026-09-17 23:14Z.

Top reasons

#	Reason	Signal	Weight	Detail
1	TRS-CP-02 A first transfer with a counterparty, above the program's 95th percentile.	`counterparty.first_time_and_large`	+15	amount above the program p95 (380696)
2	TRS-AMT-01 The amount is more than three times the program's median.	`amount.gt_3x_median`	+10	amount > 3× program median (189860)
3	TRS-CP-01 This is the first transfer with this counterparty.	`counterparty.first_time`	+10	first transfer with this counterparty

Signals

Signal	Weight	Detail
counterparty.first_time	+10	first transfer with this counterparty
counterparty.first_time_and_large	+15	amount above the program p95 (380696)
amount.gt_3x_median	+10	amount > 3× program median (189860)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 0,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 0,
    "priorReturns": 0,
    "priorTransfers": 0,
    "screeningAgeDays": 1,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "380696",
  "hardSignal": false,
  "amountCents": "910000",
  "medianCents": "189860",
  "programN90d": 1476,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T08:13:07.247Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": "US"
}

The actors on this transfer

Entity Risk Skoor

nulln=4 unscored

Counterparty Risk Skoor

35n=4 review

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 23:13Z	amount_just_below_threshold	A single $9,100.00 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	low	35 review	reviewed	open	due 2026-09-20 23:13Z
2026-09-17 23:13Z	first_time_counterparty_large	First transfer to a new counterparty, $9,100.00, above the program's 95th percentile.	medium	35 review	reviewed	open	due 2026-09-20 23:13Z