Transfer · ach outgoing

$356.71 USD

Id: acht_sim_harb_7zthfwbv875
Status: MANUAL_REVIEW
Type: CREDIT
Entity: enti_sim_harb_azbiyidj3x2
Account: bacc_sim_harb_9m4fbgut3x5
Counterparty: cpty_sim_harb_p034wda4nm
SEC code: PPD
Return code: —
Created: 2026-08-31 04:54Z
Effective: 2026-09-01 04:54Z

Transaction Risk Skoor

Skoor

85n=1675

Band

hold

Confidence

1.00

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	2 prior unauthorized return(s)
2	TRS-ENT-05 The entity has a potential PEP match that has not been resolved.	`entity.pep_potential`	+15	potential PEP match
3	TRS-RET-03 The entity's own return rate is above the network threshold.	`returns.entity_rate_gt_threshold`	+15	entity unauthorized return rate 1/39 originated ACH debits in 60d

Signals

Signal	Weight	Detail
entity.pep_potential	+15	potential PEP match
returns.counterparty_prior_unauthorized	+40	2 prior unauthorized return(s)
returns.entity_rate_gt_threshold	+15	entity unauthorized return rate 1/39 originated ACH debits in 60d
status.manual_review	+15	transfer is in manual review at the bank

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 45,
    "pepStatus": "potential",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 39,
    "priorReturns": 3,
    "priorTransfers": 87,
    "screeningAgeDays": 14,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "MANUAL_REVIEW",
  "p95Cents": "84995",
  "hardSignal": false,
  "amountCents": "35671",
  "medianCents": "41567",
  "programN90d": 1675,
  "counterparty": {
    "n": 11,
    "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

60n=106 review

Counterparty Risk Skoor

90n=17 hold

Alerts on this transfer

No alerts.