--- title: Industries - Banking source_page: https://www.sardine.ai/industries/banking canonical: https://www.sardine.ai/industries/banking format: text/markdown description: --- **Quick links:** [Human page](https://www.sardine.ai/industries/banking) · [Home](https://www.sardine.ai) · [Customers](https://www.sardine.ai/customers) · [Blog](https://www.sardine.ai/blog) · [Demo](https://www.sardine.ai/demo) --- # Industries - Banking ## Stop financial crime before money moves Sardine brings fraud, AML, and payments risk together in one platform. Real-time decisioning and network intelligence help banks catch threats before money moves. ### Agentic operations with human oversight Put AI agents to work across alert review, screening, due diligence, analysis, rules, document review, and casework. ### One risk context across fraud and AML Carry the same signals and evidence across fraud prevention, transaction monitoring, screening, investigations, and case management. ### Real-time decisions across global payment rails Evaluate risk across instant payments, ACH, wires, SEPA, FPS, cards, checks, and local payment methods. ### Network intelligence beyond your institution Connect risk across identity, device, account, counterparty, and institutions to uncover coordinated fraud and mule activity. ## Reduce risks across the customer lifecycle, from onboarding to payments ## Verify every applicant at account opening Onboarding Fraud Validate the context behind every onboarding attempt using real-time device and behavioral signals. ### Synthetic or stolen identities Catch fabricated or stolen identities before an account opens using device, behavioral, and Network Intelligence signals. ### Multi-accounting Link applications that share device fingerprints, browsers, or hardware to expose one person opening many accounts. ### Bot-driven account creation Detect bots, emulators, and scripted applications using device and behavioral signals before they scale. ## Stop payment fraud before funds move Payment Fraud Assess payment risk in real time using transaction, identity, device, behavioral, and network signals across instant and traditional payment rails. ### Pre-payment fraud detection Identify suspicious payments before approval or release, including high-risk instant payment activity. ### Real-time transaction scoring Score incoming and outgoing payments, counterparties, and payouts using transaction, identity, device, behavioral, and network signals. ### Configurable decisions by payment rail Approve, hold for review, reroute, or block payments in real time based on rail, amount, counterparty, and risk. ## Detect account takeover before a transfer is approved Account Takeover Attackers log in with valid credentials, then move money. Sardine flags the changes that give them away, like a new payout account or credential reset followed by a transfer. ### Catch takeover at login and mid-session Spot changed behavior, new devices, and remote-access tools before a new payee, wire, or ACH is set up, with an anomaly detection agent flagging outliers. ### Hold risky transfers Step up, restrict, or block a session when risk changes, before the transfer is approved. ### Connect login and payment risk Link login, profile-change, and payment signals across digital, mobile, and call center channels, and let a data analyst agent investigate anomalies. ## Surface criminal networks and hidden relationships Money Mules Analyze connections across customers, counterparties, shared addresses, and transaction flows to surface mule rings, self-dealing, and other money laundering activity. ### Assess counterparty risk Screen counterparties in real-time to uncover suspicious new activity as transactions unfold. ### Flag users with known fraud Proactively identify users tied to confirmed or suspected fraud, including activity beyond your own portfolio. ### Surface criminal networks Use link analysis to map connections across accounts, identities, devices, and counterparties and identify coordinated mule activity. ## Accelerate AML investigations with AI agents AML Transaction Monitoring AI agents triage alerts, clear false positives, and draft case summaries, with fraud signals alongside AML alerts in one view. ### Detect AML typologies out of the box Monitor transactions for money laundering scenarios, high-risk counterparties, and activity tied to sanctioned or high-risk jurisdictions. ### Unify fraud and AML alerts Review onboarding checks, payment risk signals, and AML alerts in one system. ### File SARs with a defensible record Escalate confirmed suspicious activity into SAR workflows and keep a complete record of every investigation, including what the agent did and why. ## All the data you need in one API ### Device and Behavior Device fingerprinting and behavioral biometrics reveal bots, emulators, account takeover, and suspicious user behavior in real time. ### Third-Party Data Enrichment Sardine brings third-party identity, sanctions, and adverse media data into one workflow as normalized signals, then routes each customer by risk. ### Sardine Network and Sonar Consortium Tap into shared intelligence across 6.6B devices and 441M consumers to uncover first-party fraud, risky counterparties, and coordinated fraud patterns beyond your bank’s own data. ## We’ve built modern risk systems in production at scale ## Make your fraud and AML teams 2⁠–⁠5x more effective Agentic AI Sardine's agents investigate fraud attacks, research entities, clear false positives, and document every decision so your analysts spend their time on the cases that matter. ## Backed by the industry’s leading data platform ### Add historical identity context Network-level data links devices, identities, and behavioral patterns across institutions to surface repeat abuse, coordinated fraud, and emerging threats your team cannot see in isolation. Data consortium ### Build auditable rules without code Design progressive verification paths, set escalation thresholds, and route reviews without hardcoding logic, while maintaining consistent decisions, clear audit trails, and control. Rules and workflows ### Score risk with explainable models Let Sardine’s models enhance decisioning and reduce noise while giving you full visibility and control. Machine learning ### High-confidence identity verification Device and behavioral intelligence establishes whether a real person is present, if the environment is trustworthy, and if identity claims are consistent across sessions. ## Frequently asked questions ### How is Sardine different from the fraud and AML tools banks already use? Most banks run fraud, AML, and case management as separate systems that only see their own data. Sardine connects device and behavioral signals, network intelligence from outside your bank, and machine learning in one platform, so fraud and AML teams work from the same signal. Sardine's AI agents also handle the first pass of alert triage and evidence gathering, so analysts start each case with the work already done. ### Can Sardine work alongside our existing fraud and AML systems? Yes. Sardine works alongside the fraud, AML, payment, identity, and case management systems you already run. Start with one decision point, measure the lift against your incumbent, and expand from there. That applies to banks of every size, from Tier 1 institutions to regional and community banks, credit unions and mutuals, and sponsor banks. ### How does Sardine stop payment fraud on real-time and irreversible rails? Sardine scores every transaction before funds move across ACH, wires, SEPA, FPS, RTP, FedNow, Zelle, and checks, using machine learning risk scores, rules, and behavioral signals. On irreversible rails like RTP and FedNow, that scoring runs inline before settlement, using identity, account behavior, device signals, and network intelligence. You set decisions by rail, amount, counterparty, and use case, and can approve, hold, reroute, or block in-line. ### How does Sardine detect account takeovers and money mule networks? For account takeover, Sardine combines device integrity signals with behavioral biometrics, such as typing cadence, mouse movement, and remote access tools like AnyDesk and TeamViewer, to flag the changes that give an attacker away, like a new payout account or credential reset followed by a transfer. For mule networks, network intelligence shows when a counterparty or user has been tied to fraud at other institutions, and link analysis surfaces mule rings across customers, counterparties, and transaction flows. ### Can Sardine reduce manual AML reviews, and what do the AI agents do on their own? Yes. Sardine's AI agents triage alerts, clear obvious false positives like name mismatches and transliteration errors, gather evidence, and draft case summaries and narratives for an analyst to review. Agent boundaries are defined and configurable per workflow, with human review, drift monitoring, and a full record of what the agent did and why. ### How does Sardine help teams stay audit-ready and regulator-ready? Every decision carries reason codes, supporting signals, and a full audit trail your team can hand to a regulator without reconstructing anything after the fact. KYC, transaction monitoring, sanctions screening, and suspicious activity reporting run in one workflow with structured oversight. Sardine is SOC 2 Type II and ISO 27001 certified and GDPR compliant, with dedicated infrastructure or private cloud options and data encrypted at rest and in transit. ### How fast can we see results? Most banks start with a shadow-mode evaluation: run Sardine against your live or historical traffic alongside your incumbent, then compare detection and false-positive rates before committing to anything.