Transfer · ach outgoing

$817.23 USD

Id: acht_sim_harb_2bpj9q1m8uv
Status: SETTLED
Type: CREDIT
Entity: enti_sim_harb_yhmcztb3vc
Account: bacc_sim_harb_9i2ts193vf
Counterparty: cpty_sim_harb_bmqeuc7o3xi
SEC code: PPD
Return code: —
Created: 2026-09-08 20:05Z
Effective: 2026-09-09 20:05Z

Transaction Risk Skoor

Skoor

65n=1982

Band

review

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	1 prior unauthorized return(s)
2	TRS-RET-03 The entity's own return rate is above the network threshold.	`returns.entity_rate_gt_threshold`	+15	entity unauthorized return rate 1/42 originated ACH debits in 60d
3	TRS-VEL-01 The entity made more than five transfers in 24 hours.	`velocity.count_24h_gt_5`	+10	6 transfers in 24h

Signals

Signal	Weight	Detail
returns.counterparty_prior_unauthorized	+40	1 prior unauthorized return(s)
velocity.count_24h_gt_5	+10	6 transfers in 24h
returns.entity_rate_gt_threshold	+15	entity unauthorized return rate 1/42 originated ACH debits in 60d

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 6,
    "count30d": 59,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "301830",
    "achDebits60d": 42,
    "priorReturns": 4,
    "priorTransfers": 106,
    "screeningAgeDays": 5,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "85157",
  "hardSignal": false,
  "amountCents": "81723",
  "medianCents": "42407",
  "programN90d": 1982,
  "counterparty": {
    "n": 155,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:03.488Z",
    "isFirstTime": false,
    "priorReturns": 2,
    "priorReturnsExcludingNsf": 2,
    "priorUnauthorizedReturns": 1
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

40n=115 review

Counterparty Risk Skoor

65n=166 review

Agent Risk Skoor (counterparty)

65n=166 review

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 6 transfers and $3,018.30 in 24 hours.	medium	40 review	reviewed	open	no clock