Transfer · ach outgoing

$2,192.52 USD

Id: acht_sim_lant_8bxyn8oieeb
Status: SETTLED
Type: DEBIT
Entity: enti_sim_lant_2spuvci1cfc
Account: bacc_sim_lant_16xt8dhqcff
Counterparty: cpty_sim_lant_3a23pmf9eeb
SEC code: WEB
Return code: —
Created: 2026-09-12 04:28Z
Effective: 2026-09-13 04:28Z

Transaction Risk Skoor

Skoor

55n=774

Band

hold

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:33Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-STR-01 The entity split debits just under $10,000 within 24 hours.	`structuring.pattern`	+35	yes	4 debits just under $10,000 in 24h
2	TRS-CP-01 This is the first transfer with this counterparty.	`counterparty.first_time`	+10		first transfer with this counterparty
3	TRS-VEL-02 The entity moved more than twice the program's daily average in 24 hours.	`velocity.sum_24h_gt_2x_daily_avg`	+10		24h sum above 2× the program daily average

Signals

Signal	Weight	Hard	Detail
counterparty.first_time	+10		first transfer with this counterparty
velocity.sum_24h_gt_2x_daily_avg	+10		24h sum above 2× the program daily average
structuring.pattern	+35	yes	4 debits just under $10,000 in 24h

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 5,
    "count30d": 12,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "3998661",
    "achDebits60d": 14,
    "priorReturns": 0,
    "priorTransfers": 30,
    "screeningAgeDays": 50,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 4,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "252592",
  "hardSignal": true,
  "amountCents": "219252",
  "medianCents": "124079",
  "programN90d": 774,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:32:02.506Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

35n=32 review

Counterparty Risk Skoor

nulln=2 unscored

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 55 (hold band) on a $2,192.52 ach transfer: counterparty.first_time, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	high	55 hold	reviewed	held	no clock
2026-09-17 19:32Z	velocity_spike	Entity velocity spiked: 5 transfers and $39,986.61 in 24 hours.	medium	55 hold	reviewed	held	no clock