Transfer · ach outgoing

$434.00 USD

Id: acht_sim_meri_bh8doszrbz6
Status: SETTLED
Type: CREDIT
Entity: enti_sim_meri_zfaci2z9lw
Account: bacc_sim_meri_a9b5fqwt9lz
Counterparty: cpty_sim_meri_942d521u9pv
SEC code: PPD
Return code: —
Created: 2026-09-05 21:17Z
Effective: 2026-09-06 21:17Z

Transaction Risk Skoor

Skoor

45n=894

Band

hold

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:33Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-STR-01 The entity split debits just under $10,000 within 24 hours.	`structuring.pattern`	+35	yes	4 debits just under $10,000 in 24h
2	TRS-VEL-02 The entity moved more than twice the program's daily average in 24 hours.	`velocity.sum_24h_gt_2x_daily_avg`	+10		24h sum above 2× the program daily average

Signals

Signal	Weight	Hard	Detail
velocity.sum_24h_gt_2x_daily_avg	+10		24h sum above 2× the program daily average
structuring.pattern	+35	yes	4 debits just under $10,000 in 24h

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 4,
    "count30d": 26,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "3762109",
    "achDebits60d": 29,
    "priorReturns": 2,
    "priorTransfers": 53,
    "screeningAgeDays": 38,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 4,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "136506",
  "hardSignal": true,
  "amountCents": "43400",
  "medianCents": "67432",
  "programN90d": 894,
  "counterparty": {
    "n": 33,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:03.522Z",
    "isFirstTime": false,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US",
    "MX",
    "PH"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

10n=67 clear

Counterparty Risk Skoor

10n=36 clear

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $434.00 ach transfer: velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	high	45 hold	reviewed	held	no clock
2026-09-17 19:31Z	velocity_spike	Entity velocity spiked: 4 transfers and $37,621.09 in 24 hours.	medium	45 hold	reviewed	held	no clock