Transfer · ach outgoing

$225.41 USD

Id: acht_sim_harb_30nvbikh764
Status: RETURNED
Type: DEBIT
Entity: enti_sim_harb_5a42mkx13wn
Account: bacc_sim_harb_38l1r8sx3wq
Counterparty: cpty_sim_harb_1fd2i6t54k3 (AE)
SEC code: WEB
Return code: R10
Created: 2026-08-17 22:55Z
Effective: 2026-08-18 22:55Z

Transaction Risk Skoor

Skoor

30n=1239

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	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
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 1/26 originated ACH debits in 60d

Signals

Signal	Weight	Hard	Detail
returns.entity_rate_gt_threshold	+15		entity unauthorized return rate 1/26 originated ACH debits in 60d
geo.outside_declared_countries	+15		counterparty country AE not declared by the program

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 2,
    "count30d": 43,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "118163",
    "achDebits60d": 26,
    "priorReturns": 2,
    "priorTransfers": 52,
    "screeningAgeDays": -15,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "RETURNED",
  "p95Cents": "84986",
  "hardSignal": false,
  "amountCents": "22541",
  "medianCents": "42171",
  "programN90d": 1239,
  "counterparty": {
    "n": 11,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:13.959Z",
    "isFirstTime": false,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": "AE"
}

The actors on this transfer

Entity Risk Skoor

30n=91 review

Counterparty Risk Skoor

100n=20 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 30 (review band) on a $225.41 ach transfer: returns.entity_rate_gt_threshold, geo.outside_declared_countries.	medium	30 review	reviewed	open	no clock