Transfer · ach outgoing

$421.04 USD

Id: acht_sim_harb_98cudq0r97t
Status: SETTLED
Type: DEBIT
Entity: enti_sim_harb_7f5zjfgz3v0
Account: bacc_sim_harb_5mmmwyts3v3
Counterparty: cpty_sim_harb_be2mkslj97t
SEC code: WEB
Return code: —
Created: 2026-09-13 01:05Z
Effective: 2026-09-14 01:05Z

Transaction Risk Skoor

Skoor

25n=2138

Band

clear

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-RET-03 The entity's own return rate is above the network threshold.	`returns.entity_rate_gt_threshold`	+15		entity unauthorized return rate 1/35 originated ACH debits in 60d
2	TRS-CP-01 This is the first transfer with this counterparty.	`counterparty.first_time`	+10		first transfer with this counterparty

Signals

Signal	Weight	Hard	Detail
counterparty.first_time	+10		first transfer with this counterparty
returns.entity_rate_gt_threshold	+15		entity unauthorized return rate 1/35 originated ACH debits in 60d

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 43,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 35,
    "priorReturns": 4,
    "priorTransfers": 86,
    "screeningAgeDays": 8,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "85179",
  "hardSignal": false,
  "amountCents": "42104",
  "medianCents": "42403",
  "programN90d": 2138,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:32:04.199Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=88 review

Counterparty Risk Skoor

nulln=1 unscored

Alerts on this transfer

No alerts.