Transfer · ach outgoing

$2,400.00 USD

Id: acht_sim_harb_6mf9ak9b9ki
Status: SETTLED
Type: CREDIT
Entity: enti_sim_harb_130qwgg53wz
Account: bacc_sim_harb_34grh4233x2
Counterparty: cpty_sim_harb_39i9ftby3xi
SEC code: PPD
Return code: —
Created: 2026-08-09 20:25Z
Effective: 2026-08-10 20:25Z

Transaction Risk Skoor

Skoor

100n=982

Band

hold

Confidence

0.70

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-ENT-01 The entity behind the transfer failed identity verification.	`entity.denied`	+60	yes	entity verification DENIED
2	TRS-ENT-03 Screening marked the entity as high risk.	`entity.high_risk`	+20		entity marked high risk by screening
3	TRS-RET-02 The counterparty has drawn a return before.	`returns.counterparty_prior_any`	+15		1 prior return(s) other than NSF

Signals

Signal	Weight	Hard	Detail
entity.denied	+60	yes	entity verification DENIED
entity.high_risk	+20		entity marked high risk by screening
returns.counterparty_prior_any	+15		1 prior return(s) other than NSF
amount.gt_3x_median	+10		amount > 3× program median (42539)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 0,
    "pepStatus": "no",
    "isHighRisk": true,
    "sum24hCents": "0",
    "achDebits60d": 0,
    "priorReturns": 0,
    "priorTransfers": 0,
    "screeningAgeDays": 46,
    "requiresScreening": false,
    "verificationStatus": "DENIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "85151",
  "hardSignal": true,
  "amountCents": "240000",
  "medianCents": "42539",
  "programN90d": 982,
  "counterparty": {
    "n": 125,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:03.488Z",
    "isFirstTime": false,
    "priorReturns": 3,
    "priorReturnsExcludingNsf": 1,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

100n=2 hold

Counterparty Risk Skoor

65n=192 review

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	rapid_onboarding	The entity's first transfer, $2,400.00, above the program median, came 0.0 hours after verification.	medium	90 hold	reviewed	held	no clock
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 90 (hold band) on a $2,400.00 ach transfer: entity.denied, entity.high_risk, amount.gt_3x_median.	high	90 hold	reviewed	held	no clock
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	90 hold	reviewed	held	no clock
2026-09-17 19:30Z	denied_entity_activity	A $2,400.00 ach transfer was initiated for an entity whose verification was denied.	high	90 hold	reviewed	held	no clock