What Banks & Payment Providers Are Facing Today

• FedNow and RTP adoption is accelerating, but so are fraud and compliance risks
• APP scams are spiking across payment rails, costing institutions billions annually
• Real-time payments require real-time risk decisions with no room for delay
• The 2026 Nacha rule changes will mandate real-time fraud screening for ACH
• Regulators expect financial institutions to provide oversight of sponsored programs

Here's what Sardine will be highlighting at Nacha:

• Prevent Fraud Across the ACH Network
  Leverage behavioral biometrics and device intelligence to detect synthetic identities, account takeovers, and social engineering attempts before they impact your ACH operations.
• Enhance Real-Time Transaction Monitoring
  Deploy AI-powered solutions, reducing manual reviews while providing complete visibility over payment flows for both ACH and faster payment rails.
• Strengthen your Nacha Compliance
  Meet Nacha's 2026 requirements for monitoring fraud across ACH payments by originators, TPSPs and ODFIs
• Experience Our Data-Sharing Consortium
  Discover how our Sonar consortium enables cross-institution intelligence sharing to identify emerging threats across the payment ecosystem.
• Build Trust in Faster Payments
  Implement account-to-name validation with 99%+ coverage and counterparty risk screening to prevent authorized payment fraud while maintaining conversion rates.

Schedule a Meeting with Sardine at Booth #1023

Our team of fraud and compliance experts will be on site to discuss your specific challenges and demonstrate how Sardine can help your organization stay ahead of emerging threats.

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About Sardine's Fraud Prevention & Compliance Platform

Sardine’s fraud prevention and compliance platform is trusted by top fintechs, banks, marketplaces, and ecommerce companies. We apply device intelligence, behaviour biometrics, and machine learning to protect every step of the customer journey – from onboarding to payments and logins. Sardine enables hundreds of organisations worldwide to rapidly detect and stop identity fraud, payment fraud, account takeovers, social engineering scams, fraud rings, money laundering and advanced bot attacks. Backed by Andreessen Horowitz, Visa, Experian, FIS, and Google Ventures, Sardine is a proven leader in the fight against financial crime.

Why Choose Sardine?

Top banks, online retailers, and financial institutions rely on Sardine to automate risk decision-making, reduce fraud, and protect their clients from scams. Our modular platform offers risk management solutions throughout the customer journey, including:

• Device and Behavior Analysis
• Bot Detection
• Know Your Customer (KYC) Solutions
• Anti-Money Laundering (AML) Monitoring
• Identity Fraud Prevention Solutions
• Payment Fraud Solutions
• Bank Account Validation

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