Transfer · ach outgoing

$207.18 USD

Id: acht_sim_harb_bfz8xbf49jl
Status: SUBMITTED
Type: CREDIT
Entity: enti_sim_harb_2pfeu42a3wr
Account: bacc_sim_harb_buchm3af3wu
Counterparty: cpty_sim_harb_28dykiit9jl
SEC code: PPD
Return code: —
Created: 2026-09-17 01:21Z
Effective: 2026-09-18 01:21Z

Transaction Risk Skoor

Skoor

25n=2249

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 1/26 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 1/26 originated ACH debits in 60d

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 24,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 26,
    "priorReturns": 2,
    "priorTransfers": 63,
    "screeningAgeDays": 28,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SUBMITTED",
  "p95Cents": "85149",
  "hardSignal": false,
  "amountCents": "20718",
  "medianCents": "42406",
  "programN90d": 2249,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:32:17.634Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=59 review

Counterparty Risk Skoor

nulln=1 unscored

Alerts on this transfer

No alerts.