Transfer · ach outgoing

$643.53 USD

Id: acht_sim_harb_6ou18exe8gi
Status: SETTLED
Type: DEBIT
Entity: enti_sim_harb_7f5zjfgz3v0
Account: bacc_sim_harb_5mmmwyts3v3
Counterparty: cpty_sim_harb_gzii64r41f
SEC code: WEB
Return code: —
Created: 2026-09-03 23:35Z
Effective: 2026-09-04 23:35Z

Transaction Risk Skoor

Skoor

55n=1805

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		5 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 1/30 originated ACH debits in 60d

Signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_unauthorized	+40		5 prior unauthorized return(s)
returns.entity_rate_gt_threshold	+15		entity unauthorized return rate 1/30 originated ACH debits in 60d

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 3,
    "count30d": 40,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "153126",
    "achDebits60d": 30,
    "priorReturns": 3,
    "priorTransfers": 74,
    "screeningAgeDays": -1,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "85153",
  "hardSignal": false,
  "amountCents": "64353",
  "medianCents": "41943",
  "programN90d": 1805,
  "counterparty": {
    "n": 17,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:05.261Z",
    "isFirstTime": false,
    "priorReturns": 5,
    "priorReturnsExcludingNsf": 5,
    "priorUnauthorizedReturns": 5
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=88 review

Counterparty Risk Skoor

90n=20 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $643.53 ach transfer: returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	medium	55 review	reviewed	open	no clock