Transfer · ach outgoing

$205.20 USD

Id: acht_sim_harb_2zfx27we74q
Status: RETURNED
Type: CREDIT
Entity: enti_sim_harb_3fas9a73wv
Account: bacc_sim_harb_8swcutdn3wy
Counterparty: cpty_sim_harb_1fd2i6t54k3 (AE)
SEC code: PPD
Return code: R07
Created: 2026-08-18 01:33Z
Effective: 2026-08-19 01:33Z

Transaction Risk Skoor

Skoor

65n=1248

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-GEO-02 The counterparty is in a country the program did not declare.	`geo.outside_declared_countries`	+15	counterparty country AE not declared by the program
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
geo.outside_declared_countries	+15	counterparty country AE not declared by the program

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 6,
    "count30d": 49,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "276727",
    "achDebits60d": 28,
    "priorReturns": 0,
    "priorTransfers": 60,
    "screeningAgeDays": -17,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "RETURNED",
  "p95Cents": "85012",
  "hardSignal": false,
  "amountCents": "20520",
  "medianCents": "42169",
  "programN90d": 1248,
  "counterparty": {
    "n": 12,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:13.959Z",
    "isFirstTime": false,
    "priorReturns": 1,
    "priorReturnsExcludingNsf": 1,
    "priorUnauthorizedReturns": 1
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": "AE"
}

The actors on this transfer

Entity Risk Skoor

30n=90 review

Counterparty Risk Skoor

100n=20 hold

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 $2,767.27 in 24 hours.	medium	25 clear	reviewed	open	no clock