Transfer · ach outgoing

$844.19 USD

Id: acht_sim_harb_13z82v028rw
Status: RETURNED
Type: DEBIT
Entity: enti_sim_harb_7f5zjfgz3v0
Account: bacc_sim_harb_5mmmwyts3v3
Counterparty: cpty_sim_harb_7nn77rms57g (TR)
SEC code: WEB
Return code: R05
Created: 2026-09-07 21:02Z
Effective: 2026-09-08 21:02Z

Transaction Risk Skoor

Skoor

70n=1947

Band

hold

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Detail
1	TRS-RET-01 The counterparty has drawn an unauthorized return before.	`returns.counterparty_prior_unauthorized`	+40	4 prior unauthorized return(s)
2	TRS-GEO-02 The counterparty is in a country the program did not declare.	`geo.outside_declared_countries`	+15	counterparty country TR not declared by the program
3	TRS-RET-03 The entity's own return rate is above the network threshold.	`returns.entity_rate_gt_threshold`	+15	entity unauthorized return rate 1/32 originated ACH debits in 60d

Signals

Signal	Weight	Detail
returns.counterparty_prior_unauthorized	+40	4 prior unauthorized return(s)
returns.entity_rate_gt_threshold	+15	entity unauthorized return rate 1/32 originated ACH debits in 60d
geo.outside_declared_countries	+15	counterparty country TR not declared by the program

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 1,
    "count30d": 44,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "83541",
    "achDebits60d": 32,
    "priorReturns": 4,
    "priorTransfers": 79,
    "screeningAgeDays": 3,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "RETURNED",
  "p95Cents": "85151",
  "hardSignal": false,
  "amountCents": "84419",
  "medianCents": "42400",
  "programN90d": 1947,
  "counterparty": {
    "n": 10,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:27.619Z",
    "isFirstTime": false,
    "priorReturns": 4,
    "priorReturnsExcludingNsf": 4,
    "priorUnauthorizedReturns": 4
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": "TR"
}

The actors on this transfer

Entity Risk Skoor

30n=88 review

Counterparty Risk Skoor

100n=13 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 70 (hold band) on a $844.19 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold, geo.outside_declared_countries.	high	70 hold	reviewed	held	no clock