Transfer · ach outgoing

$2,940.43 USD

Id: acht_sim_nort_6p83xvne2yo
Status: SETTLED
Type: DEBIT
Entity: enti_sim_nort_xsikf3n3f
Account: bacc_sim_nort_9umcj2l63i
Counterparty: cpty_sim_nort_2vu2cgc34a
SEC code: WEB
Return code: —
Created: 2026-09-02 01:14Z
Effective: 2026-09-03 01:14Z

Transaction Risk Skoor

Skoor

40n=1140

Band

review

Confidence

1.00

Version

trs-v1

Scored 2026-09-17 19:32Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	TRS-RET-01 The counterparty has drawn an unauthorized return before.	`returns.counterparty_prior_unauthorized`	+40		1 prior unauthorized return(s)

Signals

Signal	Weight	Hard	Detail
returns.counterparty_prior_unauthorized	+40		1 prior unauthorized return(s)

Inputs

{
  "rail": "ach",
  "entity": {
    "present": true,
    "count24h": 1,
    "count30d": 44,
    "pepStatus": "no",
    "isHighRisk": false,
    "sum24hCents": "127950",
    "achDebits60d": 32,
    "priorReturns": 2,
    "priorTransfers": 68,
    "screeningAgeDays": 15,
    "requiresScreening": false,
    "verificationStatus": "VERIFIED",
    "structuringCount24h": 0,
    "unauthorizedReturns60d": 0
  },
  "repeat": {
    "similarClosedAlert30d": false
  },
  "status": "SETTLED",
  "p95Cents": "379298",
  "hardSignal": false,
  "amountCents": "294043",
  "medianCents": "187158",
  "programN90d": 1140,
  "counterparty": {
    "n": 18,
    "present": true,
    "firstSeenAt": "2026-09-17T19:30:03.968Z",
    "isFirstTime": false,
    "priorReturns": 1,
    "priorReturnsExcludingNsf": 1,
    "priorUnauthorizedReturns": 1
  },
  "declaredCountries": [
    "US"
  ],
  "counterpartyCountry": null
}

The actors on this transfer

Entity Risk Skoor

0n=83 clear

Counterparty Risk Skoor

75n=22 hold

Alerts on this transfer

Opened	Detector	Summary	Severity	Skoor	Route	Status	Due
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $2,940.43 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open	no clock