Transfer · ach outgoing

$325.35 USD

Id: acht_sim_harb_5giixzv8su
Status: SETTLED
Type: DEBIT
Entity: enti_sim_harb_7f5zjfgz3v0
Account: bacc_sim_harb_5mmmwyts3v3
Counterparty: cpty_sim_harb_bmqeuc7o3xi
SEC code: WEB
Return code: —
Created: 2026-09-07 23:38Z
Effective: 2026-09-08 23:38Z

Transaction Risk Skoor

Skoor

55n=1959

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		1 prior unauthorized return(s)
2	TRS-RET-03 The entity's own return rate is above the network threshold.	`returns.entity_rate_gt_threshold`	+15		entity unauthorized return rate 2/34 originated ACH debits in 60d

Signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_unauthorized	+40		1 prior unauthorized return(s)
returns.entity_rate_gt_threshold	+15		entity unauthorized return rate 2/34 originated ACH debits in 60d

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 3,
    "count30d": 45,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "223081",
    "achDebits60d": 34,
    "priorReturns": 5,
    "priorTransfers": 81,
    "screeningAgeDays": 3,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 2
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "85172",
  "hardSignal": false,
  "amountCents": "32535",
  "medianCents": "42406",
  "programN90d": 1959,
  "counterparty": {
    "n": 151,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:03.488Z",
    "isFirstTime": false,
    "priorReturns": 2,
    "priorReturnsExcludingNsf": 2,
    "priorUnauthorizedReturns": 1
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=88 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	skoor_review	Transaction Risk Skoor 30 (review band) on a $325.35 ach transfer: returns.counterparty_prior_any, returns.entity_rate_gt_threshold.	medium	30 review	reviewed	open	no clock