BANK ACCOUNT VALIDATION
Verify bank account ownership and risk levels in real-time
Sardine offers the highest coverage across large banks, regional banks, credit unions, and fintechs.
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Approve more customers with confidence
Reduce the operational overhead of onboarding new customers and managing fraudulent ACH returns.
Highest account coverage
Reduce false positives with a waterfall lookup across multiple providers, plus our growing Sonar consortium dataset
Lower regulatory burden
Easier GLBA vs. FCRA compliance requirements, lowers friction at onboarding and improves your customer experience
Prevent fraud losses
Higher accuracy checks catch fraud upfront, leading to fewer manual reviews, ACH disputes, and SAR filings
Bank account verification and authentication
- Industry's highest account coverage
- Authentication: checks if the user is the real account owner or an authorized user
- Verification: provides instant visibility into account status and risk levels
Asset manager with $800B AUM
Fortune 50 financial services firm
Real-time counterparty checks cover every step of your customer’s journey
Connect only legitimate accounts at onboarding
- Waterfall lookup across providers reduces false positives
- Open banking transaction data improves accuracy
- Integrated data enrichment reveals user’s true identity
Account funding
Block transfers & withdrawals to high-risk accounts
- Prevent your customers from losing their money
- Protect the integrity of your brand and reputation
- Block unauthorized withdrawals from compromised accounts
Transfers & withdrawals
Screen recipients before sending payments
- Protect customers from sending money to scammers
- Safely support authorized push payments like Zelle, FedNow, RTP
- Prevent losses from social scams and account takeovers
Real-time payments
Guard against payroll diversion fraud
- Flag direct deposits initiated from suspicious bank accounts
- Block direct deposits to unauthorized bank accounts
- Detect ATO and unauthorized changes to linked accounts
Payroll deposit
Multiple layers of defense to unmask fraudsters
Sardine combines proprietary customer signals with over 40 data partners to offer the most complete view of risk.
Device & Behavior Biometrics
Detect high-risk users exhibiting suspicious mouse movements, copy and paste of long-term memory fields, or using VPNs, emulators, and remote access tools
True User Identity
Easily check phone, email, address, SSN, IP and geolocation data in one dashboard to triangulate your user’s true identity
Dark Web Monitoring
Monitor dark web markets for the latest data leaks and PII dumps. Sonar’s Red Flag Service tells you which customer accounts have been exposed in a breach
Recognized by Nacha as a Preferred Partner
We are proud to be a Preferred Partner of Nacha, the ACH governing body, for Fraud Prevention, Risk, and Compliance. At Sardine, we create strong, innovative solutions that help improve the ACH network and support everyone involved.
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See it in action.
Behavioural biometrics is fundamental to fraud prevention. Deploying it throughout the customer journey helps our customers deal with increasingly complex fraud attacks.”
Eduardo Castro
Managing Director, Identity and Fraud
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
My favorite Sardine feature is that I can create complex rulesets to catch new fraud patterns, and then test them against the last 30/60/90 days. If they perform well, I can instantly push them to production. That’s game-changing.”
Matt Vega
Director of Fraud Strategy
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