Transfer · ach outgoing

$5,040.00 USD

Id: acht_sim_harb_a7kq2o6w9kl
Status: SETTLED
Type: CREDIT
Entity: enti_sim_harb_3x8shd663uc
Account: bacc_sim_harb_7kpb64aw3uf
Counterparty: cpty_sim_harb_9m7tv4gj9kl
SEC code: PPD
Return code: —
Created: 2026-09-07 01:38Z
Effective: 2026-09-08 01:38Z

Transaction Risk Skoor

Skoor

45n=1918

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Detail
1	TRS-AMT-02 The amount is more than ten times the program's median.	`amount.gt_10x_median`	+20	amount > 10× program median (42317)
2	TRS-CP-02 A first transfer with a counterparty, above the program's 95th percentile.	`counterparty.first_time_and_large`	+15	amount above the program p95 (84988)
3	TRS-CP-01 This is the first transfer with this counterparty.	`counterparty.first_time`	+10	first transfer with this counterparty

Signals

Signal	Weight	Detail
counterparty.first_time	+10	first transfer with this counterparty
counterparty.first_time_and_large	+15	amount above the program p95 (84988)
amount.gt_10x_median	+20	amount > 10× program median (42317)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 3,
    "count30d": 33,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "141585",
    "achDebits60d": 33,
    "priorReturns": 1,
    "priorTransfers": 80,
    "screeningAgeDays": 1,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "84988",
  "hardSignal": false,
  "amountCents": "504000",
  "medianCents": "42317",
  "programN90d": 1918,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:31:48.282Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

0n=88 clear

Counterparty Risk Skoor

nulln=1 unscored

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	first_time_counterparty_large	First transfer to a new counterparty, $5,040.00, above the program's 95th percentile.	medium	45 review	reviewed	open	no clock