Transfer · ach outgoing

$883.73 USD

Id: acht_sim_harb_bmlv9sei6fk
Status: SETTLED
Type: CREDIT
Entity: enti_sim_harb_5a42mkx13wn
Account: bacc_sim_harb_38l1r8sx3wq
Counterparty: cpty_sim_harb_9ufpukix6fk
SEC code: PPD
Return code: —
Created: 2026-08-08 23:45Z
Effective: 2026-08-09 23:45Z

Transaction Risk Skoor

Skoor

40n=969

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:30Z.

Top reasons

#	Reason	Signal	Weight	Detail
1	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 (85087)
2	TRS-RET-03 The entity's own return rate is above the network threshold.	`returns.entity_rate_gt_threshold`	+15	entity unauthorized return rate 1/20 originated ACH debits in 60d
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 (85087)
returns.entity_rate_gt_threshold	+15	entity unauthorized return rate 1/20 originated ACH debits in 60d

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 37,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 20,
    "priorReturns": 2,
    "priorTransfers": 37,
    "screeningAgeDays": 38,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "85087",
  "hardSignal": false,
  "amountCents": "88373",
  "medianCents": "42562",
  "programN90d": 969,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:54.561Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=91 review

Counterparty Risk Skoor

nulln=1 unscored

Alerts on this transfer

No alerts.