Transfer · ach outgoing

$9,401.23 USD

Id: acht_sim_nort_5o7ga0n23rl
Status: SETTLED
Type: DEBIT
Entity: enti_sim_nort_c2pb9mmf0
Account: bacc_sim_nort_5tmw9el03
Counterparty: cpty_sim_nort_1i029r3515d
SEC code: WEB
Return code: —
Created: 2026-09-07 21:50Z
Effective: 2026-09-08 21:50Z

Transaction Risk Skoor

Skoor

45n=1269

Band

hold

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

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	2 debits just under $10,000 in 24h
2	TRS-AMT-01 The amount is more than three times the program's median.	`amount.gt_3x_median`	+10		amount > 3× program median (190556)

Signals

Signal	Weight	Hard	Detail
amount.gt_3x_median	+10		amount > 3× program median (190556)
structuring.pattern	+35	yes	2 debits just under $10,000 in 24h

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 2,
    "count30d": 10,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "1906603",
    "achDebits60d": 17,
    "priorReturns": 0,
    "priorTransfers": 23,
    "screeningAgeDays": 52,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 2,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "381539",
  "hardSignal": true,
  "amountCents": "940123",
  "medianCents": "190556",
  "programN90d": 1269,
  "counterparty": {
    "n": 12,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:33.056Z",
    "isFirstTime": false,
    "priorReturns": 0,
    "priorReturnsExcludingNsf": 0,
    "priorUnauthorizedReturns": 0
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

25n=29 clear

Counterparty Risk Skoor

35n=14 review

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 $9,401.23 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 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	45 hold	reviewed	held	no clock