Transfer · ach outgoing

$932.90 USD

Id: acht_sim_harb_2jd51y517gv
Status: SETTLED
Type: CREDIT
Entity: enti_sim_harb_yhmcztb3vc
Account: bacc_sim_harb_9i2ts193vf
Counterparty: cpty_sim_harb_6sekrmzf7gv
SEC code: PPD
Return code: —
Created: 2026-08-22 05:25Z
Effective: 2026-08-23 05:25Z

Transaction Risk Skoor

Skoor

40n=1418

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:31Z.

Top reasons

#	Reason	Signal	Weight	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 (84929)
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 1/30 originated ACH debits in 60d
3	TRS-CP-01 This is the first transfer with this counterparty.	`counterparty.first_time`	+10	first transfer with this counterparty

Signals

Signal	Weight	Detail
counterparty.first_time	+10	first transfer with this counterparty
counterparty.first_time_and_large	+15	amount above the program p95 (84929)
returns.entity_rate_gt_threshold	+15	entity unauthorized return rate 1/30 originated ACH debits in 60d

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 2,
    "count30d": 44,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "63226",
    "achDebits60d": 30,
    "priorReturns": 2,
    "priorTransfers": 66,
    "screeningAgeDays": 46,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "84929",
  "hardSignal": false,
  "amountCents": "93290",
  "medianCents": "42161",
  "programN90d": 1418,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:31:17.224Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

40n=115 review

Counterparty Risk Skoor

nulln=2 unscored

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	first_time_counterparty_large	First transfer to a new counterparty, $932.90, above the program's 95th percentile.	medium	40 review	reviewed	open	no clock