Transfer · ach outgoing

$14,400.00 USD

Id: acht_sim_lant_3bou9f5ueja
Status: RETURNED
Type: CREDIT
Entity: enti_sim_lant_bzg8kp1scg6
Account: bacc_sim_lant_9xk9uy1ocg9
Counterparty: cpty_sim_lant_1gour80xeja (NG)
SEC code: PPD
Return code: R10
Created: 2026-09-05 00:36Z
Effective: 2026-09-06 00:36Z

Transaction Risk Skoor

Skoor

60n=684

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Detail
1	TRS-AMT-02 The amount is more than ten times the program's median.	`amount.gt_10x_median`	+20	amount > 10× program median (122702)
2	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 (249777)
3	TRS-GEO-02 The counterparty is in a country the program did not declare.	`geo.outside_declared_countries`	+15	counterparty country NG not declared by the program

Signals

Signal	Weight	Detail
counterparty.first_time	+10	first transfer with this counterparty
counterparty.first_time_and_large	+15	amount above the program p95 (249777)
amount.gt_10x_median	+20	amount > 10× program median (122702)
geo.outside_declared_countries	+15	counterparty country NG not declared by the program

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 1,
    "count30d": 13,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "63420",
    "achDebits60d": 7,
    "priorReturns": 0,
    "priorTransfers": 24,
    "screeningAgeDays": 2,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "RETURNED",
  "p95Cents": "249777",
  "hardSignal": false,
  "amountCents": "1440000",
  "medianCents": "122702",
  "programN90d": 684,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:31:43.753Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": "NG"
}

The actors on this transfer

Entity Risk Skoor

0n=29 clear

Counterparty Risk Skoor

nulln=1 unscored

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	first_time_counterparty_large	First transfer to a new counterparty, $14,400.00, above the program's 95th percentile.	medium	60 review	reviewed	open	no clock