Transfer · ach outgoing

$564.62 USD

Id: acht_sim_harb_3twfc2a58lz
Status: SETTLED
Type: CREDIT
Entity: enti_sim_harb_kytao1m3ti
Account: bacc_sim_harb_bdm34wkx3tl
Counterparty: cpty_sim_harb_7nn77rms57g (TR)
SEC code: PPD
Return code: —
Created: 2026-09-05 05:03Z
Effective: 2026-09-06 05:03Z

Transaction Risk Skoor

Skoor

55n=1861

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-RET-01 The counterparty has drawn an unauthorized return before.	`returns.counterparty_prior_unauthorized`	+40		4 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 TR not declared by the program

Signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_unauthorized	+40		4 prior unauthorized return(s)
geo.outside_declared_countries	+15		counterparty country TR not declared by the program

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 20,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 17,
    "priorReturns": 0,
    "priorTransfers": 37,
    "screeningAgeDays": 51,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "85135",
  "hardSignal": false,
  "amountCents": "56462",
  "medianCents": "42208",
  "programN90d": 1861,
  "counterparty": {
    "n": 8,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:27.619Z",
    "isFirstTime": false,
    "priorReturns": 4,
    "priorReturnsExcludingNsf": 4,
    "priorUnauthorizedReturns": 4
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": "TR"
}

The actors on this transfer

Entity Risk Skoor

0n=46 clear

Counterparty Risk Skoor

100n=13 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $564.62 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.	medium	55 review	reviewed	open	no clock