Sardine provides a unified fraud and compliance platform designed for community banks to prevent fraud, detect scams, and meet BSA/AML obligations. We work across the full customer lifecycle, from account opening to digital banking to payments.

Customer Onboarding & Due Diligence

Prevent identity fraud and support your Customer Identification Program (CIP), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) with automated, risk-based onboarding.

• Real-time identity, device, and behavioral risk scoring
  • Detection of synthetic/stolen identities
  • Detection of AI-generated identity documents and deepfakes
• CDD and EDD with 40+ integrated data sources
  • Global sanctions screening, PEP screening, and negative news monitoring
  • 95%+ auto-resolution rate for document and identity reviews using AI

Payments Fraud & Risk Monitoring

Prevent fraud/scams across all payment channels, including real-time and traditional rails.

• Coverage across ACH, wires, FedNow, RTP, debit/credit cards, and Zelle
  • Risk scoring of originator and beneficiary accounts, devices, session behavior, and transaction context
  • Identification of mule accounts, account funding fraud, and high-velocity transfers
  • Real-time interdiction support and configurable case decisioning
  • Integrated scoring within core fraud queues or alerting workflows
• Detection of social engineering scams, including authorized push payment (APP) fraud

Login & Digital Banking Session Monitoring

Secure digital channels by detecting account takeover attempts and session-based fraud before it results in loss.

• Device intelligence and behavioral biometrics for login risk detection

• Identification of phishing, credential stuffing, and bot-driven login attacks

• Signals for geo-velocity, impossible travel, and device/session anomalies

• Continuous monitoring to link logins with downstream fraud or suspicious activity

First-Party Fraud & Abuse

Identify fraud and abuse from legitimate accounts, including repeat abusers and internal fraud risk.

• Behavioral analysis for first-party fraud (e.g., chargebacks, misrepresentation)
• Detection and clustering of mule activity across shared devices and accounts
• Identity and device linking to surface repeat or networked abuse
• Leverage Sonar, Sardine’s fraud intelligence consortium for cross-institution threat sharing

BSA/AML Compliance & Case Management

Support your institution’s risk-based BSA/AML program with intelligent, examiner-ready tools for monitoring and investigation.

• Transaction monitoring for high-risk typologies (structuring, layering, rapid movement)
• Sanctions screening (OFAC, 314(a), 314(b)), PEP, and adverse media across onboarding and ongoing activity
• Ongoing customer risk scoring and dynamic segmentation
• Automated alert generation, triage, and escalation
• Full case management with audit trails, queueing, and investigator notes
• SAR preparation support and configurable workflows for compliance teams
• Reduction in false positives through AI-assisted alert dispositioning

Agentic AI for Risk Operations

Enhance efficiency and consistency in fraud and AML investigations, without adding headcount.

• Embedded AI agents for alert triage, case summarization, and investigation support
• Auto-resolution rates:
  • KYC onboarding: 95%
  • Sanctions/PEP/Adverse Media: 55%
  • Example outcome: reduced average time to resolution from 20+ days to <2 minutes
• Built-in controls for compliance, audit readiness, and examiner transparency
• Explainable decision logic aligned with governance & model risk management frameworks