Transfer · ach outgoing

$2,400.00 USD

Id: acht_sim_meri_6r6oon2pcdx
Status: RETURNED
Type: CREDIT
Entity: enti_sim_meri_3qusu9s29pg
Account: bacc_sim_meri_7zj8cp9p9pj
Counterparty: cpty_sim_meri_76hym53h9pv
SEC code: PPD
Return code: R05
Created: 2026-08-28 14:33Z
Effective: 2026-08-29 14:33Z

Transaction Risk Skoor

Skoor

100n=766

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
2	TRS-RET-01 The counterparty has drawn an unauthorized return before.	`returns.counterparty_prior_unauthorized`	+40		1 prior unauthorized return(s)
3	TRS-AMT-01 The amount is more than three times the program's median.	`amount.gt_3x_median`	+10		amount > 3× program median (66220)

Signals

Signal	Weight	Hard	Detail
entity.denied	+60	yes	entity verification DENIED
returns.counterparty_prior_unauthorized	+40		1 prior unauthorized return(s)
amount.gt_3x_median	+10		amount > 3× program median (66220)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 0,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 0,
    "priorReturns": 0,
    "priorTransfers": 0,
    "screeningAgeDays": 65,
    "requiresScreening": false,
    "verificationStatus": "DENIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "RETURNED",
  "p95Cents": "135899",
  "hardSignal": true,
  "amountCents": "240000",
  "medianCents": "66220",
  "programN90d": 766,
  "counterparty": {
    "n": 28,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:08.500Z",
    "isFirstTime": false,
    "priorReturns": 2,
    "priorReturnsExcludingNsf": 1,
    "priorUnauthorizedReturns": 1
  },
  "declaredCountries": [
    "US",
    "MX",
    "PH"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

85n=1 hold

Counterparty Risk Skoor

80n=36 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	rapid_onboarding	The entity's first transfer, $2,400.00, above the program median, came 0.0 hours after verification.	medium	100 hold	reviewed	held	no clock
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 100 (hold band) on a $2,400.00 ach transfer: entity.denied, returns.counterparty_prior_unauthorized, amount.gt_3x_median.	high	100 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	100 hold	reviewed	held	no clock