Transfer · ach outgoing

$362.57 USD

Id: acht_sim_meri_67anlnlobao
Status: RETURNED
Type: DEBIT
Entity: enti_sim_meri_364qtf9e9p8
Account: bacc_sim_meri_2ebayv9k9pb
Counterparty: cpty_sim_meri_6hloyf56aa7
SEC code: WEB
Return code: R05
Created: 2026-08-19 04:46Z
Effective: 2026-08-20 04:46Z

Transaction Risk Skoor

Skoor

40n=618

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

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": 26,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 11,
    "priorReturns": 3,
    "priorTransfers": 29,
    "screeningAgeDays": -11,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 1
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "RETURNED",
  "p95Cents": "136446",
  "hardSignal": false,
  "amountCents": "36257",
  "medianCents": "66532",
  "programN90d": 618,
  "counterparty": {
    "n": 4,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:22.633Z",
    "isFirstTime": false,
    "priorReturns": 2,
    "priorReturnsExcludingNsf": 2,
    "priorUnauthorizedReturns": 1
  },
  "declaredCountries": [
    "US",
    "MX",
    "PH"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

45n=45 review

Counterparty Risk Skoor

90n=6 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $362.57 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock