Transfer · ach outgoing

$504.03 USD

Id: acht_sim_harb_14rhk4258bk
Status: RETURNED
Type: CREDIT
Entity: enti_sim_harb_6z28kno73w0
Account: bacc_sim_harb_3a4wenn13w3
Counterparty: cpty_sim_harb_1fd2i6t54k3 (AE)
SEC code: PPD
Return code: R03
Created: 2026-09-01 23:15Z
Effective: 2026-09-02 23:15Z

Transaction Risk Skoor

Skoor

70n=1743

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	2 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 AE 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 1/27 originated ACH debits in 60d

Signals

Signal	Weight	Detail
returns.counterparty_prior_unauthorized	+40	2 prior unauthorized return(s)
returns.entity_rate_gt_threshold	+15	entity unauthorized return rate 1/27 originated ACH debits in 60d
geo.outside_declared_countries	+15	counterparty country AE not declared by the program

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 1,
    "count30d": 31,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "62527",
    "achDebits60d": 27,
    "priorReturns": 4,
    "priorTransfers": 66,
    "screeningAgeDays": 16,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "RETURNED",
  "p95Cents": "84977",
  "hardSignal": false,
  "amountCents": "50403",
  "medianCents": "41548",
  "programN90d": 1743,
  "counterparty": {
    "n": 15,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:13.959Z",
    "isFirstTime": false,
    "priorReturns": 2,
    "priorReturnsExcludingNsf": 2,
    "priorUnauthorizedReturns": 2
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": "AE"
}

The actors on this transfer

Entity Risk Skoor

45n=88 review

Counterparty Risk Skoor

100n=20 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $504.03 ach transfer: returns.entity_rate_gt_threshold, geo.outside_declared_countries.	medium	30 review	reviewed	open	no clock