--- title: Industries - Wealth Management source_page: https://www.sardine.ai/industries/wealth-management canonical: https://www.sardine.ai/industries/wealth-management format: text/markdown description: --- **Quick links:** [Human page](https://www.sardine.ai/industries/wealth-management) · [Home](https://www.sardine.ai) · [Customers](https://www.sardine.ai/customers) · [Blog](https://www.sardine.ai/blog) · [Demo](https://www.sardine.ai/demo) --- # Industries - Wealth Management ## Protect client assets without slowing down legitimate activity Sardine connects identity, behavioral, transaction, entity, and network intelligence to detect risk earlier and make better decisions across the client lifecycle. Unify fraud and AML operations in one platform, with AI agents accelerating investigations and reducing manual review. ### One platform for fraud and AML Connect client, account, transaction, screening, and case context so fraud and compliance teams can investigate with the same view of risk. ### Resolve investigations faster with AI agents Agents handle research, due diligence, document review, and casework, so analysts focus on activity that needs human judgment. ### Real-time decisioning across the client lifecycle Apply consistent risk decisions across onboarding, account access, beneficiary changes, money movement, and ongoing monitoring. ### Network intelligence beyond your client base Link clients, accounts, devices, and counterparties to uncover mule activity and coordinated financial crime that no single portfolio shows. ## Bring more context to every decision across the client relationship ## Onboard more clients without increasing risk or manual review Client Onboarding Streamline onboarding for individuals, trusts, and complex entities with identity verification, fraud intelligence, and risk-based screening. AI agents investigate ownership structures, review documents, and accelerate due diligence. ### Detect synthetic identities Pre-screen applicants with device, behavior, and Network Intelligence without adding friction for good clients. ### Simplify complex client verification Verify beneficial owners, trustees, and controllers of trusts and LLCs, with AI agents researching relationships and screening connected parties. ### Accelerate risk-based due diligence AI agents review documents, conduct enhanced due diligence, and escalate cases requiring human judgment. ## Protect client assets after login Account Protection Detect when access, account changes, or money movement no longer match the client behind the relationship, even when credentials and MFA checks look legitimate. ### Catch account takeovers Identify behavioral shifts, device changes, remote-access tools, and other signs that control of the account has changed. ### Protect high-value money movement Evaluate wires, withdrawals, distributions, beneficiary changes, and other sensitive requests before funds leave. ### Detect social engineering and exploitation Connect changes in behavior, session activity, beneficiaries, and payment patterns to surface scams, impersonation, coercion, and other unusual activity earlier. ## Resolve financial crime cases faster Financial Crime Operations Bring client, transaction, screening, and network intelligence into one view to uncover suspicious activity and accelerate investigations. AI agents handle research, alert reviews, and case documentation to reduce manual work. ### Prioritize higher-risk activity Connect client, transaction, screening, and network signals to identify suspicious patterns and focus analysts on the cases that matter. ### Accelerate investigations with AI agents Agents review alerts, research entities, and document findings so analysts spend less time on manual investigations. ### Simplify compliance and reporting Manage AML cases, maintain audit trails, and prepare regulatory reports without switching between systems. ## Uncover hidden risk across client relationships Relationship Risk Connect clients, advisors, accounts, devices, entities, counterparties, and transactions to uncover risks that individual account reviews miss. Combine graph analytics, Network Intelligence, and AI agents to investigate complex relationships and suspicious activity. ### Uncover hidden relationships Use graph analytics and Network Intelligence to expose connections across clients, accounts, devices, entities, and counterparties. ### See through complex ownership Bring beneficial ownership, related entities, trusts, LLCs, family partnerships, intermediaries, and omnibus structures into the same view. ### Detect unusual servicing activity Surface beneficiary changes, address changes, redemptions, transfer requests, and other activity that breaks from the client or relationship history. ## Check every client action against signals beyond your own data ### Device and Behavior Device fingerprinting and behavioral biometrics show when a login, credential change, or transfer request comes from a bot, an emulator, or someone who isn't the account holder. ### Sardine Network Signals from Sardine's own customer base show identities and devices flagged elsewhere, before a new account is opened or funded. ### Sonar Consortium A live consortium spanning 6.6B devices and 441M consumers lets agents check a new client or a newly linked outside account against risk no single firm could see alone. ## We’ve built modern risk systems in production at scale ## Make your fraud and AML teams 2⁠–⁠5x more efficient Agentic AI Sardine's agents investigate account takeovers, research clients and related parties, 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 traditional identity verification vendors? Traditional providers rely on static document checks and bureau matches. Sardine adds device intelligence, behavioral biometrics, and consortium context to catch sophisticated fraud before documents are collected, and AI agents resolve common onboarding issues like OCR errors and name transliterations automatically. ### Can Sardine reduce manual reviews and false positives in client onboarding? Yes. Device, behavioral, and identity signals separate genuine clients from risky applicants earlier, and AI agents clear common false positives so your team only reviews the cases that need judgment. ### How does Sardine detect synthetic identities and coordinated fraud networks? Sardine links devices, identities, and behavior across accounts and institutions, so shared devices and connected applicants that look clean in isolation show up as a pattern. ### Does Sardine protect existing client accounts, not just onboarding? Yes. Sardine monitors behavior, sessions, and payments after onboarding to surface account takeover, impersonation, and scams earlier. ### Does Sardine support automated investigations for financial crime teams? Yes. AI agents research entities, clear false positives, and draft case notes, with every step documented and your team in control of decisions. ### How does Sardine help teams stay audit-ready and regulator-ready? Sardine records the data, rules, and reasoning behind each decision, so you can show regulators exactly how a call was made.