Transfer · ach outgoing

$485.73 USD

Id: acht_sim_meri_2efa0oa69rb
Status: COMPLETED
Type: CREDIT
Entity: enti_sim_meri_zfaci2z9lw
Account: bacc_sim_meri_a9b5fqwt9lz
Counterparty: cpty_sim_meri_8e7x9pk09pv
SEC code: PPD
Return code: —
Created: 2026-07-09 23:13Z
Effective: 2026-07-10 23:13Z

Transaction Risk Skoor

Skoor

nulln=1

Band

unscored

Confidence

null

Version

trs-v1

Unscored: too little history for a number. Treated as Review, never as Clear.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	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 (32998)
2	TRS-CP-01 This is the first transfer with this counterparty.	`counterparty.first_time`	+10		first transfer with this counterparty

Signals

Signal	Weight	Hard	Detail
counterparty.first_time	+10		first transfer with this counterparty
counterparty.first_time_and_large	+15		amount above the program p95 (32998)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 0,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 0,
    "priorReturns": 0,
    "priorTransfers": 0,
    "screeningAgeDays": -20,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "COMPLETED",
  "p95Cents": "32998",
  "hardSignal": false,
  "amountCents": "48573",
  "medianCents": "32998",
  "programN90d": 1,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:03.500Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US",
    "MX",
    "PH"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

10n=67 clear

Counterparty Risk Skoor

10n=22 clear

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, $485.73, above the program's 95th percentile.	medium	null unscored	reviewed	open	no clock
2026-09-17 19:30Z	rapid_onboarding	The entity's first transfer, $485.73, above the program median, came 0.0 hours after verification.	medium	null unscored	reviewed	open	no clock