Transfer · ach outgoing

$1,112.62 USD

Id: acht_sim_meri_9c7yzpdfbz9
Status: SETTLED
Type: DEBIT
Entity: enti_sim_meri_zfaci2z9lw
Account: bacc_sim_meri_a9b5fqwt9lz
Counterparty: cpty_sim_meri_76hym53h9pv
SEC code: WEB
Return code: —
Created: 2026-09-06 04:20Z
Effective: 2026-09-07 04:20Z

Transaction Risk Skoor

Skoor

75n=906

Band

hold

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)
2	TRS-STR-01 The entity split debits just under $10,000 within 24 hours.	`structuring.pattern`	+35	yes	2 debits just under $10,000 in 24h

Signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_unauthorized	+40		2 prior unauthorized return(s)
structuring.pattern	+35	yes	2 debits just under $10,000 in 24h

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 3,
    "count30d": 27,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "1960639",
    "achDebits60d": 29,
    "priorReturns": 2,
    "priorTransfers": 54,
    "screeningAgeDays": 38,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 2,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "136204",
  "hardSignal": true,
  "amountCents": "111262",
  "medianCents": "67279",
  "programN90d": 906,
  "counterparty": {
    "n": 33,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:08.500Z",
    "isFirstTime": false,
    "priorReturns": 3,
    "priorReturnsExcludingNsf": 2,
    "priorUnauthorizedReturns": 2
  },
  "declaredCountries": [
    "US",
    "MX",
    "PH"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

10n=67 clear

Counterparty Risk Skoor

80n=36 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 75 (hold band) on a $1,112.62 ach transfer: returns.counterparty_prior_unauthorized, structuring.pattern.	high	75 hold	reviewed	held	no clock
2026-09-17 19:31Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	high	75 hold	reviewed	held	no clock