Transfer · ach outgoing

$240.66 USD

Id: acht_sim_harb_21ncwbde8j4
Status: SETTLED
Type: DEBIT
Entity: enti_sim_harb_7n4e3h7n3xe
Account: bacc_sim_harb_cqimepwu3xh
Counterparty: cpty_sim_harb_p034wda4nm
SEC code: WEB
Return code: —
Created: 2026-09-05 04:47Z
Effective: 2026-09-06 04:47Z

Transaction Risk Skoor

Skoor

40n=1859

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-RET-01 The counterparty has drawn an unauthorized return before.	`returns.counterparty_prior_unauthorized`	+40		2 prior unauthorized return(s)

Signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_unauthorized	+40		2 prior unauthorized return(s)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 1,
    "count30d": 56,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "43055",
    "achDebits60d": 38,
    "priorReturns": 2,
    "priorTransfers": 93,
    "screeningAgeDays": 14,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "85137",
  "hardSignal": false,
  "amountCents": "24066",
  "medianCents": "42208",
  "programN90d": 1859,
  "counterparty": {
    "n": 13,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:15.141Z",
    "isFirstTime": false,
    "priorReturns": 2,
    "priorReturnsExcludingNsf": 2,
    "priorUnauthorizedReturns": 2
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=105 review

Agent Risk Skoor (entity)

65n=105 review

Counterparty Risk Skoor

90n=17 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $240.66 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock