Transfer · ach outgoing

$493.22 USD

Id: acht_sim_harb_56ewy3mr65h
Status: RETURNED
Type: CREDIT
Entity: enti_sim_harb_skonrvy3x6
Account: bacc_sim_harb_890v91ch3x9
Counterparty: cpty_sim_harb_7nn77rms57g (TR)
SEC code: PPD
Return code: R07
Created: 2026-08-04 21:28Z
Effective: 2026-08-05 21:28Z

Transaction Risk Skoor

Skoor

75n=827

Band

hold

Confidence

0.90

Version

trs-v1

Scored 2026-09-17 19:31Z.

Top reasons

#	Reason	Signal	Weight	Detail
1	TRS-RET-01 The counterparty has drawn an unauthorized return before.	`returns.counterparty_prior_unauthorized`	+40	1 prior unauthorized return(s)
2	TRS-ENT-03 Screening marked the entity as high risk.	`entity.high_risk`	+20	entity marked high risk by screening
3	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	Detail
entity.high_risk	+20	entity marked high risk by screening
returns.counterparty_prior_unauthorized	+40	1 prior unauthorized return(s)
geo.outside_declared_countries	+15	counterparty country TR not declared by the program

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 1,
    "count30d": 13,
    "pepStatus": "no",
    "isHighRisk": true,
    "sum24hCents": "41548",
    "achDebits60d": 3,
    "priorReturns": 1,
    "priorTransfers": 13,
    "screeningAgeDays": 39,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "RETURNED",
  "p95Cents": "86256",
  "hardSignal": false,
  "amountCents": "49322",
  "medianCents": "42728",
  "programN90d": 827,
  "counterparty": {
    "n": 6,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:27.619Z",
    "isFirstTime": false,
    "priorReturns": 1,
    "priorReturnsExcludingNsf": 1,
    "priorUnauthorizedReturns": 1
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": "TR"
}

The actors on this transfer

Entity Risk Skoor

75n=38 hold

Counterparty Risk Skoor

100n=13 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:30Z	skoor_hold	Transaction Risk Skoor 75 (hold band) on a $493.22 ach transfer: entity.high_risk, returns.counterparty_prior_unauthorized, geo.outside_declared_countries.	high	75 hold	reviewed	held	no clock