Transfer · ach outgoing

$813.78 USD

Id: acht_sim_harb_a4lvg1oi9il
Status: MANUAL_REVIEW
Type: CREDIT
Entity: enti_sim_harb_3x8shd663uc
Account: bacc_sim_harb_7kpb64aw3uf
Counterparty: cpty_sim_harb_gzii64r41f
SEC code: PPD
Return code: —
Created: 2026-09-17 02:04Z
Effective: 2026-09-18 02:04Z

Transaction Risk Skoor

Skoor

55n=2249

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-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		5 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": 36,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "43764",
    "achDebits60d": 33,
    "priorReturns": 1,
    "priorTransfers": 93,
    "screeningAgeDays": 11,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "MANUAL_REVIEW",
  "p95Cents": "85149",
  "hardSignal": false,
  "amountCents": "81378",
  "medianCents": "42406",
  "programN90d": 2249,
  "counterparty": {
    "n": 20,
    "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

0n=88 clear

Counterparty Risk Skoor

90n=20 hold

Alerts on this transfer

No alerts.