Transfer · ach outgoing

$540.09 USD

Id: acht_sim_harb_ad3m3st602
Status: RETURNED
Type: CREDIT
Entity: enti_sim_harb_7l9s22e03uo
Account: bacc_sim_harb_clwfp8po3ur
Counterparty: cpty_sim_harb_7nn77rms57g (TR)
SEC code: PPD
Return code: R10
Created: 2026-08-04 02:12Z
Effective: 2026-08-05 02:12Z

Transaction Risk Skoor

Skoor

55n=799

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:31Z.

Top reasons

#	Reason	Signal	Weight	Hard	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-GEO-02 The counterparty is in a country the program did not declare.	`geo.outside_declared_countries`	+15		counterparty country TR not declared by the program

Signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_unauthorized	+40		2 prior unauthorized return(s)
geo.outside_declared_countries	+15		counterparty country TR not declared by the program

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 4,
    "count30d": 34,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "194308",
    "achDebits60d": 14,
    "priorReturns": 0,
    "priorTransfers": 34,
    "screeningAgeDays": -24,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "RETURNED",
  "p95Cents": "86313",
  "hardSignal": false,
  "amountCents": "54009",
  "medianCents": "42848",
  "programN90d": 799,
  "counterparty": {
    "n": 4,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:27.619Z",
    "isFirstTime": false,
    "priorReturns": 2,
    "priorReturnsExcludingNsf": 2,
    "priorUnauthorizedReturns": 2
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": "TR"
}

The actors on this transfer

Entity Risk Skoor

30n=102 review

Counterparty Risk Skoor

100n=13 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:30Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $540.09 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.	medium	55 review	reviewed	open	no clock