Transfer · ach outgoing

$9,338.74 USD

Id: acht_sim_meri_cxoiujocdk
Status: SETTLED
Type: DEBIT
Entity: enti_sim_meri_zfaci2z9lw
Account: bacc_sim_meri_a9b5fqwt9lz
Counterparty: cpty_sim_meri_73i0nx8nc6o
SEC code: WEB
Return code: —
Created: 2026-09-04 22:15Z
Effective: 2026-09-05 22:15Z

Transaction Risk Skoor

Skoor

45n=881

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Detail
1	TRS-AMT-02 The amount is more than ten times the program's median.	`amount.gt_10x_median`	+20	amount > 10× program median (67172)
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 (135865)
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
counterparty.first_time	+10	first transfer with this counterparty
counterparty.first_time_and_large	+15	amount above the program p95 (135865)
amount.gt_10x_median	+20	amount > 10× program median (67172)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 1,
    "count30d": 22,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "31791",
    "achDebits60d": 25,
    "priorReturns": 1,
    "priorTransfers": 49,
    "screeningAgeDays": 37,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "135865",
  "hardSignal": false,
  "amountCents": "933874",
  "medianCents": "67172",
  "programN90d": 881,
  "counterparty": {
    "n": 0,
    "present": true,
    "firstSeenAt": "2026-09-17T19:31:43.733Z",
    "isFirstTime": true,
    "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

50n=5 review

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:32Z	amount_just_below_threshold	A single $9,338.74 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	low	45 review	reviewed	open	no clock
2026-09-17 19:31Z	first_time_counterparty_large	First transfer to a new counterparty, $9,338.74, above the program's 95th percentile.	medium	45 review	reviewed	open	no clock