Transfer · ach outgoing

$812.25 USD

Id: acht_sim_meri_5amoisphapb
Status: SETTLED
Type: DEBIT
Entity: enti_sim_meri_988w1g3z9p4
Account: bacc_sim_meri_4k433emh9p7
Counterparty: cpty_sim_meri_4t9h3oztaja
SEC code: WEB
Return code: —
Created: 2026-08-01 23:32Z
Effective: 2026-08-02 23:32Z

Transaction Risk Skoor

Skoor

40n=363

Band

review

Confidence

0.78

Version

trs-v1

Scored 2026-09-17 19:30Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-RET-01 The counterparty has drawn an unauthorized return before.	`returns.counterparty_prior_unauthorized`	+40		1 prior unauthorized return(s)

Signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_unauthorized	+40		1 prior unauthorized return(s)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 5,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 2,
    "priorReturns": 0,
    "priorTransfers": 5,
    "screeningAgeDays": 35,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "135191",
  "hardSignal": false,
  "amountCents": "81225",
  "medianCents": "65481",
  "programN90d": 363,
  "counterparty": {
    "n": 2,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:33.689Z",
    "isFirstTime": false,
    "priorReturns": 1,
    "priorReturnsExcludingNsf": 1,
    "priorUnauthorizedReturns": 1
  },
  "declaredCountries": [
    "US",
    "MX",
    "PH"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

0n=9 clear

Counterparty Risk Skoor

90n=9 hold

Alerts on this transfer

No alerts.