Transfer · ach outgoing

$1,104.13 USD

Id: acht_sim_meri_aiqkia8j9q7
Status: COMPLETED
Type: CREDIT
Entity: enti_sim_meri_5if3mzfr9pn
Account: bacc_sim_meri_12du7wr99pq
Counterparty: cpty_sim_meri_ako688sv9pv
SEC code: PPD
Return code: —
Created: 2026-07-10 02:44Z
Effective: 2026-07-11 02:44Z

Transaction Risk Skoor

Skoor

nulln=9

Band

unscored

Confidence

null

Version

trs-v1

Unscored: too little history for a number. Treated as Review, never as Clear.

Top reasons

#	Reason	Signal	Weight	Detail
1	TRS-ENT-03 Screening marked the entity as high risk.	`entity.high_risk`	+20	entity marked high risk by screening
2	TRS-CP-02 A first transfer with a counterparty, above the program's 95th percentile.	`counterparty.first_time_and_large`	+15	amount above the program p95 (109935)
3	TRS-CP-01 This is the first transfer with this counterparty.	`counterparty.first_time`	+10	first transfer with this counterparty

Signals

Signal	Weight	Detail
entity.high_risk	+20	entity marked high risk by screening
counterparty.first_time	+10	first transfer with this counterparty
counterparty.first_time_and_large	+15	amount above the program p95 (109935)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 0,
    "count30d": 0,
    "pepStatus": "no",
    "isHighRisk": true,
    "sum24hCents": "0",
    "achDebits60d": 0,
    "priorReturns": 0,
    "priorTransfers": 0,
    "screeningAgeDays": -49,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "COMPLETED",
  "p95Cents": "109935",
  "hardSignal": false,
  "amountCents": "110413",
  "medianCents": "64138",
  "programN90d": 9,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:03.536Z",
    "isFirstTime": true,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US",
    "MX",
    "PH"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

35n=38 review

Counterparty Risk Skoor

10n=23 clear

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	first_time_counterparty_large	First transfer to a new counterparty, $1,104.13, above the program's 95th percentile.	medium	null unscored	reviewed	open	no clock
2026-09-17 19:30Z	rapid_onboarding	The entity's first transfer, $1,104.13, above the program median, came 0.0 hours after verification.	medium	null unscored	reviewed	open	no clock
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	high	null unscored	reviewed	open	no clock