Transfer · ach outgoing

$316.16 USD

Id: acht_sim_meri_9otzgrabb50
Status: HOLD
Type: DEBIT
Entity: enti_sim_meri_buoa2uyh9ns
Account: bacc_sim_meri_8xxu6lv59nv
Counterparty: cpty_sim_meri_bts0zmjm9td
SEC code: WEB
Return code: —
Created: 2026-08-13 21:35Z
Effective: 2026-08-14 21:35Z

Transaction Risk Skoor

Skoor

45n=533

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:31Z.

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-STA-02 The transfer is on hold at the bank.	`status.hold`	+5		transfer is on hold

Signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_unauthorized	+40		2 prior unauthorized return(s)
status.hold	+5		transfer is on hold

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 25,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "0",
    "achDebits60d": 13,
    "priorReturns": 1,
    "priorTransfers": 31,
    "screeningAgeDays": 38,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "HOLD",
  "p95Cents": "135323",
  "hardSignal": false,
  "amountCents": "31616",
  "medianCents": "67386",
  "programN90d": 533,
  "counterparty": {
    "n": 10,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:06.588Z",
    "isFirstTime": false,
    "priorReturns": 2,
    "priorReturnsExcludingNsf": 2,
    "priorUnauthorizedReturns": 2
  },
  "declaredCountries": [
    "US",
    "MX",
    "PH"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

0n=56 clear

Counterparty Risk Skoor

90n=20 hold

Alerts on this transfer

No alerts.