Transfer · ach outgoing

$2,400.00 USD

Id: acht_sim_lant_619wbdb5ej7
Status: SETTLED
Type: CREDIT
Entity: enti_sim_lant_9312rknkcja
Account: bacc_sim_lant_1m7lhgk0cjd
Counterparty: cpty_sim_lant_8dzf4cg5cjp
SEC code: PPD
Return code: —
Created: 2026-08-31 11:37Z
Effective: 2026-09-01 11:37Z

Transaction Risk Skoor

Skoor

60n=621

Band

hold

Confidence

0.70

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-ENT-01 The entity behind the transfer failed identity verification.	`entity.denied`	+60	yes	entity verification DENIED

Signals

Signal	Weight	Hard	Detail
entity.denied	+60	yes	entity verification DENIED

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 0,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 0,
    "priorReturns": 0,
    "priorTransfers": 0,
    "screeningAgeDays": 67,
    "requiresScreening": false,
    "verificationStatus": "DENIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "250666",
  "hardSignal": true,
  "amountCents": "240000",
  "medianCents": "122473",
  "programN90d": 621,
  "counterparty": {
    "n": 9,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:11.877Z",
    "isFirstTime": false,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

85n=1 hold

Counterparty Risk Skoor

10n=16 clear

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:32Z	rapid_onboarding	The entity's first transfer, $2,400.00, above the program median, came 0.0 hours after verification.	medium	60 hold	reviewed	held	no clock
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 60 (hold band) on a $2,400.00 ach transfer: entity.denied.	high	60 hold	reviewed	held	no clock
2026-09-17 19:31Z	denied_entity_activity	A $2,400.00 ach transfer was initiated for an entity whose verification was denied.	high	60 hold	reviewed	held	no clock