Transfer · ach outgoing

$774.88 USD

Id: acht_sim_harb_3br0y7vr3z7
Status: COMPLETED
Type: DEBIT
Entity: enti_sim_harb_ax0fq0ns3w8
Account: bacc_sim_harb_aklwmuq83wb
Counterparty: cpty_sim_harb_3vwhu7do3xi
SEC code: WEB
Return code: —
Created: 2026-07-09 20:40Z
Effective: 2026-07-10 20:40Z

Transaction Risk Skoor

Skoor

nulln=2

Band

unscored

Confidence

null

Version

trs-v1

Unscored: too little history for a number. Treated as Review, never as Clear.

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 (63582)
2	TRS-CP-01 This is the first transfer with this counterparty.	`counterparty.first_time`	+10	first transfer with this counterparty
3	TRS-VEL-02 The entity moved more than twice the program's daily average in 24 hours.	`velocity.sum_24h_gt_2x_daily_avg`	+10	24h sum above 2× the program daily average

Signals

Signal	Weight	Detail
counterparty.first_time	+10	first transfer with this counterparty
counterparty.first_time_and_large	+15	amount above the program p95 (63582)
velocity.sum_24h_gt_2x_daily_avg	+10	24h sum above 2× the program daily average

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 1,
    "count30d": 1,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "29989",
    "achDebits60d": 0,
    "priorReturns": 0,
    "priorTransfers": 1,
    "screeningAgeDays": -51,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "COMPLETED",
  "p95Cents": "63582",
  "hardSignal": false,
  "amountCents": "77488",
  "medianCents": "47670",
  "programN90d": 2,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:03.469Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=98 review

Counterparty Risk Skoor

10n=29 clear

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:32Z	velocity_spike	Entity velocity spiked: 1 transfers and $299.89 in 24 hours.	medium	null unscored	reviewed	open	no clock
2026-09-17 19:31Z	first_time_counterparty_large	First transfer to a new counterparty, $774.88, above the program's 95th percentile.	medium	null unscored	reviewed	open	no clock