Transfer · ach outgoing

$782.28 USD

Id: acht_sim_harb_3pd01wbd6nn
Status: SETTLED
Type: CREDIT
Entity: enti_sim_harb_7n4e3h7n3xe
Account: bacc_sim_harb_cqimepwu3xh
Counterparty: cpty_sim_harb_bmqeuc7o3xi
SEC code: PPD
Return code: —
Created: 2026-08-11 23:36Z
Effective: 2026-08-12 23:36Z

Transaction Risk Skoor

Skoor

25n=1056

Band

clear

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:31Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-RET-02 The counterparty has drawn a return before.	`returns.counterparty_prior_any`	+15		1 prior return(s) other than NSF
2	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	Hard	Detail
returns.counterparty_prior_any	+15		1 prior return(s) other than NSF
velocity.count_24h_gt_5	+10		6 transfers in 24h

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 6,
    "count30d": 46,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "335646",
    "achDebits60d": 22,
    "priorReturns": 2,
    "priorTransfers": 53,
    "screeningAgeDays": -10,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "84993",
  "hardSignal": false,
  "amountCents": "78228",
  "medianCents": "42411",
  "programN90d": 1056,
  "counterparty": {
    "n": 90,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:03.488Z",
    "isFirstTime": false,
    "priorReturns": 1,
    "priorReturnsExcludingNsf": 1,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=105 review

Agent Risk Skoor (entity)

65n=105 review

Counterparty Risk Skoor

65n=166 review

Agent Risk Skoor (counterparty)

65n=166 review

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 $3,356.46 in 24 hours.	medium	25 clear	reviewed	open	no clock