Transfer · ach outgoing

$9,664.70 USD

Id: acht_sim_harb_2an17oui9k3
Status: SETTLED
Type: DEBIT
Entity: enti_sim_harb_kytao1m3ti
Account: bacc_sim_harb_bdm34wkx3tl
Counterparty: cpty_sim_harb_9a1a9pcv46d
SEC code: WEB
Return code: —
Created: 2026-07-26 20:15Z
Effective: 2026-07-27 20:15Z

Transaction Risk Skoor

Skoor

20n=522

Band

clear

Confidence

0.83

Version

trs-v1

Scored 2026-09-17 19:30Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-AMT-02 The amount is more than ten times the program's median.	`amount.gt_10x_median`	+20		amount > 10× program median (42860)

Signals

Signal	Weight	Hard	Detail
amount.gt_10x_median	+20		amount > 10× program median (42860)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 9,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 4,
    "priorReturns": 0,
    "priorTransfers": 9,
    "screeningAgeDays": 11,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "83866",
  "hardSignal": false,
  "amountCents": "966470",
  "medianCents": "42860",
  "programN90d": 522,
  "counterparty": {
    "n": 8,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:06.578Z",
    "isFirstTime": false,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

0n=46 clear

Counterparty Risk Skoor

65n=28 review

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:30Z	amount_just_below_threshold	A single $9,664.70 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	low	20 clear	reviewed	open	no clock