Real-time risk platform for
Leading banks, online retailers, and fintechs use Sardine to automate risk decisioning, catch more fraud, detect money laundering, and protect their customers from scams.
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Modular building blocks for managing risk across the customer journey
Device and Behavior
Proprietary device intelligence and behavior biometrics unmasks fraudsters to stop all forms of financial crime.
Identity Fraud
Detect stolen and synthetic identities to prevent fake account sign ups, money mules, and onboarding fraud.
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KYC and KYB
Perform customer due diligence (CDD), business verification, sanctions screening, and document verification in one platform.
Bank Account Validation
Verify bank account ownership and risk levels in real-time to prevent fraud during account funding, deposits, and withdrawals.
Payment Fraud
Block fraudulent card and bank payments. Predict and prevent chargebacks and ACH returns in real time.
AML Transaction Monitoring
Detect and take down complex, illicit money movement. Streamline case management and SAR/UAR filings.
Advanced Bot Detection
Detect 70+ sophisticated bots to stop carding attacks, credential stuffing, web scraping, reseller bots, and fake accounts.
Scams and Account Takeover
Protect your customers from social engineering tactics like pig butchering, crypto advisor, deep fakes, and voice cloning.
Card Issuing Fraud
Ultra low latency risk scoring to help card issuers prevent unauthorized CNP/CP transactions, and stop BIN attacks.
Credit Underwriting
Predict default and audit risk, automate manual underwriting, and leverage alternative data to approve more loan applicants.
Merchant Acquiring
Onboard more good merchants, reduce portfolio-wide chargeback rates, and protect yourself from bust-out fraud.
Sponsor Bank
Monitor and enforce controls (fraud, compliance) across all of your fintech programs and their customers in one solution.
one platform
Catch fraud upfront with behavior-based insights
Identify high risk users early and uncover hidden threats without introducing friction to legitimate customers.
Device and Behavior
Continuous Monitoring
True Piercing™
Sardine is modernizing the way we fight fraud. Their deep insights and proactive detection allow us to stay ahead of emerging threats, without juggling multiple vendors."
Stephanie Ordonez
Product Manager, Fraud
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Behavioral biometrics is fundamental to fraud prevention. Deploying it throughout the user journey helps our customers deal with increasingly complex fraud attacks.”
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Eduardo Castro
Managing Director, Identity and Fraud
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Sardine helps us break down data silos so our teams can quickly spot issues, pull together the right data, and share it easily for audits and further review."
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Josh Hofer
Chief Risk & Information Security Officer
I’ve worked in fraud and AML for a long time, but I’ve never worked with a customer support team that’s so accessible and effective. Sardine is like an extension of our team.”
Preston Miller
Manager, Fraud and Chargebacks
Data-driven platform with ML at the core
90% reduction in chargebacks
Today, Novo has a best-in-class chargeback rate of 0.003% on their issued debit cards. With over $1B in monthly transaction volume, they received less than $26K in fraudulent chargebacks.
Recover 84% of blocked transactions
Reduced auto-declines on high-risk users with our card fraud ML model – prompting 2FA/OTP to approve more legitimate transactions.
Novo uses Sardine to reduce chargebacks on issued cards
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Modern tools to fight sophisticated attacks
Stop the surge of social engineering scams and defend against threats like buyer-seller collusion, money muling, authorized push payment (APP) fraud, and bot attacks.
A complete picture of your customer’s risk
- View all the signals captured and rules fired across a user’s entire session history from account creation
- Customer details - device, behavior, email, phone, DOB, account age, and connections across Sardine network
- Any sanctions, PEP, or Adverse Media hits
Easily test and deploy fraud and AML monitoring rules
- Bundled with hundreds of pre-built rules for payment fraud, account takeovers, bot attacks, and AML risk
- Access our data library of over 4,800 risk features, data aggregations, or add your own custom fields
- Optimize rule performance by back-test existing rules or trial new rules in shadow mode
Easily build automated risk assessment workflows
- Build conditional execution paths for credit underwriting and stepping up risky users for documentary KYC
- Easily connect to external data sources, such as bureaus and identity verification consortiums
- Combine with Sardine’s behavioral and device signals
Take down organized fraud rings in one-click
- Uncover suspicious connections between users, devices, IP, phone, email, and cards that may indicate scams
- Quickly take down entire fraud networks and stop users from abusing policies around promotions and refunds
- Supports 314(b) eligible institutions to share data and collaborate on case investigations
Streamline reviews and case management with GenAI
- Bulk dispositioning, full audit trail, escalation logs
- Integrated into FinCEN for seamless SAR/CTR filing
- GenAI copilot makes your analysts more efficient by converting text into SQL rules, and writing SAR narrative and activity reporting summaries
AI Agents to scale your team’s capacity
Learn about the latest in fraud and compliance
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