Transfer · ach outgoing

$191.20 USD

Id: acht_sim_harb_6nqwdwxo8vy
Status: MANUAL_REVIEW
Type: CREDIT
Entity: enti_sim_harb_3fas9a73wv
Account: bacc_sim_harb_8swcutdn3wy
Counterparty: cpty_sim_harb_p034wda4nm
SEC code: PPD
Return code: —
Created: 2026-09-09 02:48Z
Effective: 2026-09-10 02:48Z

Transaction Risk Skoor

Skoor

55n=1975

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:31Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-RET-01 The counterparty has drawn an unauthorized return before.	`returns.counterparty_prior_unauthorized`	+40		2 prior unauthorized return(s)
2	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	Hard	Detail
returns.counterparty_prior_unauthorized	+40		2 prior unauthorized return(s)
status.manual_review	+15		transfer is in manual review at the bank

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 1,
    "count30d": 38,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "33178",
    "achDebits60d": 34,
    "priorReturns": 0,
    "priorTransfers": 81,
    "screeningAgeDays": 5,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "MANUAL_REVIEW",
  "p95Cents": "85142",
  "hardSignal": false,
  "amountCents": "19120",
  "medianCents": "42407",
  "programN90d": 1975,
  "counterparty": {
    "n": 16,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:15.141Z",
    "isFirstTime": false,
    "priorReturns": 2,
    "priorReturnsExcludingNsf": 2,
    "priorUnauthorizedReturns": 2
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=90 review

Counterparty Risk Skoor

90n=17 hold

Alerts on this transfer

No alerts.