Transfer · ach outgoing

$360.31 USD

Id: acht_sim_harb_cm7rd5oo7py
Status: SETTLED
Type: DEBIT
Entity: enti_sim_harb_5segmmcp3wf
Account: bacc_sim_harb_42tdr2i93wi
Counterparty: cpty_sim_harb_gzii64r41f
SEC code: WEB
Return code: —
Created: 2026-08-24 21:25Z
Effective: 2026-08-25 21:25Z

Transaction Risk Skoor

Skoor

40n=1487

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		3 prior unauthorized return(s)

Signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_unauthorized	+40		3 prior unauthorized return(s)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 28,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 18,
    "priorReturns": 0,
    "priorTransfers": 45,
    "screeningAgeDays": -8,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "84939",
  "hardSignal": false,
  "amountCents": "36031",
  "medianCents": "41943",
  "programN90d": 1487,
  "counterparty": {
    "n": 15,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:05.261Z",
    "isFirstTime": false,
    "priorReturns": 3,
    "priorReturnsExcludingNsf": 3,
    "priorUnauthorizedReturns": 3
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=74 review

Counterparty Risk Skoor

90n=20 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $360.31 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock