Transfer · ach outgoing

$253.13 USD

Id: acht_sim_harb_4jc3r3fi8j3
Status: MANUAL_REVIEW
Type: DEBIT
Entity: enti_sim_harb_skonrvy3x6
Account: bacc_sim_harb_890v91ch3x9
Counterparty: cpty_sim_harb_43g418v43xi
SEC code: WEB
Return code: —
Created: 2026-09-03 21:47Z
Effective: 2026-09-04 21:47Z

Transaction Risk Skoor

Skoor

50n=1790

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:31Z.

Top reasons

#	Reason	Signal	Weight	Detail
1	TRS-ENT-03 Screening marked the entity as high risk.	`entity.high_risk`	+20	entity marked high risk by screening
2	TRS-RET-02 The counterparty has drawn a return before.	`returns.counterparty_prior_any`	+15	1 prior return(s) other than NSF
3	TRS-STA-01 The bank already placed the transfer in manual review.	`status.manual_review`	+15	transfer is in manual review at the bank

Signals

Signal	Weight	Detail
entity.high_risk	+20	entity marked high risk by screening
returns.counterparty_prior_any	+15	1 prior return(s) other than NSF
status.manual_review	+15	transfer is in manual review at the bank

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 16,
    "pepStatus": "no",
    "isHighRisk": true,
    "sum24hCents": "0",
    "achDebits60d": 10,
    "priorReturns": 3,
    "priorTransfers": 30,
    "screeningAgeDays": 7,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "MANUAL_REVIEW",
  "p95Cents": "85148",
  "hardSignal": false,
  "amountCents": "25313",
  "medianCents": "41607",
  "programN90d": 1790,
  "counterparty": {
    "n": 32,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:03.937Z",
    "isFirstTime": false,
    "priorReturns": 2,
    "priorReturnsExcludingNsf": 1,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

75n=38 hold

Counterparty Risk Skoor

10n=40 clear

Alerts on this transfer

No alerts.