Transfer · ach outgoing

$9,711.80 USD

Id: acht_sim_harb_a0znszfb9k9
Status: SETTLED
Type: DEBIT
Entity: enti_sim_harb_kytao1m3ti
Account: bacc_sim_harb_bdm34wkx3tl
Counterparty: cpty_sim_harb_9a1a9pcv46d
SEC code: WEB
Return code: —
Created: 2026-07-27 06:15Z
Effective: 2026-07-28 06:15Z

Transaction Risk Skoor

Skoor

65n=551

Band

hold

Confidence

0.88

Version

trs-v1

Scored 2026-09-17 19:31Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-STR-01 The entity split debits just under $10,000 within 24 hours.	`structuring.pattern`	+35	yes	2 debits just under $10,000 in 24h
2	TRS-AMT-02 The amount is more than ten times the program's median.	`amount.gt_10x_median`	+20		amount > 10× program median (42933)
3	TRS-VEL-02 The entity moved more than twice the program's daily average in 24 hours.	`velocity.sum_24h_gt_2x_daily_avg`	+10		24h sum above 2× the program daily average

Signals

Signal	Weight	Hard	Detail
amount.gt_10x_median	+20		amount > 10× program median (42933)
velocity.sum_24h_gt_2x_daily_avg	+10		24h sum above 2× the program daily average
structuring.pattern	+35	yes	2 debits just under $10,000 in 24h

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 3,
    "count30d": 12,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "1947209",
    "achDebits60d": 7,
    "priorReturns": 0,
    "priorTransfers": 12,
    "screeningAgeDays": 11,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 2,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "84583",
  "hardSignal": true,
  "amountCents": "971180",
  "medianCents": "42933",
  "programN90d": 551,
  "counterparty": {
    "n": 10,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:06.578Z",
    "isFirstTime": false,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

0n=46 clear

Counterparty Risk Skoor

65n=28 review

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 65 (hold band) on a $9,711.80 ach transfer: amount.gt_10x_median, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	high	65 hold	reviewed	held	no clock
2026-09-17 19:30Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	high	65 hold	reviewed	held	no clock