Transfer · ach outgoing

$928.87 USD

Id: acht_sim_harb_2clxnyi95vq
Status: RETURNED
Type: DEBIT
Entity: enti_sim_harb_cogz0d6k3vk
Account: bacc_sim_harb_3lxnj07c3vn
Counterparty: cpty_sim_harb_5p4yfvh5vq
SEC code: WEB
Return code: R10
Created: 2026-08-02 04:05Z
Effective: 2026-08-03 04:05Z

Transaction Risk Skoor

Skoor

25n=745

Band

clear

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:31Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-CP-02 A first transfer with a counterparty, above the program's 95th percentile.	`counterparty.first_time_and_large`	+15		amount above the program p95 (86272)
2	TRS-CP-01 This is the first transfer with this counterparty.	`counterparty.first_time`	+10		first transfer with this counterparty

Signals

Signal	Weight	Hard	Detail
counterparty.first_time	+10		first transfer with this counterparty
counterparty.first_time_and_large	+15		amount above the program p95 (86272)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 2,
    "count30d": 24,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "170386",
    "achDebits60d": 8,
    "priorReturns": 0,
    "priorTransfers": 24,
    "screeningAgeDays": -20,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "RETURNED",
  "p95Cents": "86272",
  "hardSignal": false,
  "amountCents": "92887",
  "medianCents": "42728",
  "programN90d": 745,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:43.286Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=71 review

Counterparty Risk Skoor

90n=3 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:30Z	first_time_counterparty_large	First transfer to a new counterparty, $928.87, above the program's 95th percentile.	medium	25 clear	reviewed	open	no clock