Transfer · ach outgoing

$9,526.72 USD

Id: acht_sim_harb_323d3hwi9k0
Status: SETTLED
Type: DEBIT
Entity: enti_sim_harb_kytao1m3ti
Account: bacc_sim_harb_bdm34wkx3tl
Counterparty: cpty_sim_harb_58yvbmu875m
SEC code: WEB
Return code: —
Created: 2026-09-08 02:38Z
Effective: 2026-09-09 02:38Z

Transaction Risk Skoor

Skoor

55n=1968

Band

hold

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-STR-01 The entity split debits just under $10,000 within 24 hours.	`structuring.pattern`	+35	yes	3 debits just under $10,000 in 24h
2	TRS-AMT-02 The amount is more than ten times the program's median.	`amount.gt_10x_median`	+20		amount > 10× program median (42408)

Signals

Signal	Weight	Hard	Detail
amount.gt_10x_median	+20		amount > 10× program median (42408)
structuring.pattern	+35	yes	3 debits just under $10,000 in 24h

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 3,
    "count30d": 23,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "2841705",
    "achDebits60d": 20,
    "priorReturns": 0,
    "priorTransfers": 42,
    "screeningAgeDays": 54,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 3,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "85150",
  "hardSignal": true,
  "amountCents": "952672",
  "medianCents": "42408",
  "programN90d": 1968,
  "counterparty": {
    "n": 7,
    "present": true,
    "firstSeenAt": "2026-09-17T19:31:08.791Z",
    "isFirstTime": false,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

0n=46 clear

Counterparty Risk Skoor

35n=9 review

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 55 (hold band) on a $9,526.72 ach transfer: amount.gt_10x_median, structuring.pattern.	high	55 hold	reviewed	held	no clock
2026-09-17 19:31Z	structuring_pattern	The entity made 4 ACH debits just under $10,000 within 24 hours.	high	55 hold	reviewed	held	no clock