Transfer · ach outgoing

$9,500.00 USD

Id: acht_sb_369a4cf950d56226
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 18:13Z
Effective: 2026-09-18 00:00Z

Transaction Risk Skoor

Skoor

45n=1478

Band

hold

Confidence

0.73

Version

trs-v1

Scored 2026-09-17 23:15Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-STR-01 The entity split debits just under $10,000 within 24 hours.	`structuring.pattern`	+35	yes	2 debits just under $10,000 in 24h
2	TRS-AMT-01 The amount is more than three times the program's median.	`amount.gt_3x_median`	+10		amount > 3× program median (190253)

Signals

Signal	Weight	Hard	Detail
amount.gt_3x_median	+10		amount > 3× program median (190253)
structuring.pattern	+35	yes	2 debits just under $10,000 in 24h

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 2,
    "count30d": 2,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "1840000",
    "achDebits60d": 2,
    "priorReturns": 0,
    "priorTransfers": 2,
    "screeningAgeDays": 2,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 2,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "381564",
  "hardSignal": true,
  "amountCents": "950000",
  "medianCents": "190253",
  "programN90d": 1478,
  "counterparty": {
    "n": 2,
    "present": true,
    "firstSeenAt": "2026-09-17T08:13:07.247Z",
    "isFirstTime": false,
    "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 23:15Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,500.00 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held	due 2026-09-18 23:15Z
2026-09-17 23:14Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	high	45 hold	reviewed	held	due 2026-09-18 23:14Z