Transfer · ach outgoing

$652.28 USD

Id: acht_sim_harb_cei5a3h08md
Status: SETTLED
Type: CREDIT
Entity: enti_sim_harb_azbiyidj3x2
Account: bacc_sim_harb_9m4fbgut3x5
Counterparty: cpty_sim_harb_39i9ftby3xi
SEC code: PPD
Return code: —
Created: 2026-09-05 23:46Z
Effective: 2026-09-06 23:46Z

Transaction Risk Skoor

Skoor

70n=1875

Band

hold

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	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-ENT-05 The entity has a potential PEP match that has not been resolved.	`entity.pep_potential`	+15	potential PEP match
3	TRS-RET-03 The entity's own return rate is above the network threshold.	`returns.entity_rate_gt_threshold`	+15	entity unauthorized return rate 1/45 originated ACH debits in 60d

Signals

Signal	Weight	Detail
entity.pep_potential	+15	potential PEP match
returns.counterparty_prior_unauthorized	+40	2 prior unauthorized return(s)
returns.entity_rate_gt_threshold	+15	entity unauthorized return rate 1/45 originated ACH debits in 60d

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 1,
    "count30d": 47,
    "pepStatus": "potential",
    "isHighRisk": false,
    "sum24hCents": "73656",
    "achDebits60d": 45,
    "priorReturns": 3,
    "priorTransfers": 96,
    "screeningAgeDays": 20,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "85060",
  "hardSignal": false,
  "amountCents": "65228",
  "medianCents": "42335",
  "programN90d": 1875,
  "counterparty": {
    "n": 178,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:03.488Z",
    "isFirstTime": false,
    "priorReturns": 7,
    "priorReturnsExcludingNsf": 4,
    "priorUnauthorizedReturns": 2
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

60n=106 review

Counterparty Risk Skoor

65n=192 review

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 70 (hold band) on a $652.28 ach transfer: entity.pep_potential, returns.counterparty_prior_unauthorized, returns.entity_rate_gt_threshold.	high	70 hold	reviewed	held	no clock