Transfer · ach outgoing

$489.34 USD

Id: acht_sim_meri_98t13fw3c21
Status: SETTLED
Type: DEBIT
Entity: enti_sim_meri_a1etfvmy9o8
Account: bacc_sim_meri_lufvhhg9ob
Counterparty: cpty_sim_meri_6ppd81dfako
SEC code: WEB
Return code: —
Created: 2026-09-08 02:52Z
Effective: 2026-09-09 02:52Z

Transaction Risk Skoor

Skoor

40n=936

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		2 prior unauthorized return(s)

Signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_unauthorized	+40		2 prior unauthorized return(s)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 2,
    "count30d": 20,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "63020",
    "achDebits60d": 17,
    "priorReturns": 1,
    "priorTransfers": 33,
    "screeningAgeDays": 7,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "137021",
  "hardSignal": false,
  "amountCents": "48934",
  "medianCents": "66829",
  "programN90d": 936,
  "counterparty": {
    "n": 5,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:34.854Z",
    "isFirstTime": false,
    "priorReturns": 2,
    "priorReturnsExcludingNsf": 2,
    "priorUnauthorizedReturns": 2
  },
  "declaredCountries": [
    "US",
    "MX",
    "PH"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

30n=36 review

Counterparty Risk Skoor

90n=5 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 $489.34 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock