--- title: Stop Payment Fraud | Bank-Grade Fraud Detection Before Funds Move source_page: https://www.sardine.ai/bank-transactions canonical: https://www.sardine.ai/bank-transactions format: text/markdown description: Prevent fraud through ACH, RTP, FedNow, wires, and account-to-account by analyzing transaction behavior, counterparties, and network risk before funds move. --- **Quick links:** [Human page](https://www.sardine.ai/bank-transactions) · [Home](https://www.sardine.ai) · [Customers](https://www.sardine.ai/customers) · [Blog](https://www.sardine.ai/insights/blog) · [Demo](https://www.sardine.ai/demo) --- # Stop Payment Fraud | Bank-Grade Fraud Detection Before Funds Move Prevent fraud through ACH, RTP, FedNow, wires, and account-to-account by analyzing transaction behavior, counterparties, and network risk before funds move. ## Stop payment fraud before funds leave an account Detect suspicious payment activity across ACH, wires, RTP, FedNow, Zelle, and other bank payment rails. ## Complete fraud protection across all payment rails - $800K: Fraud losses prevented for a tier-1 bank - 60%: ACH fraud reduction for a leading neobank ### Pre-auth fraud detection Identify suspicious outgoing payments across before approval or release. ### Protect real-time payments Screen instant payments with the ability to hold funds for additional review. ### Unify all your risk data See a complete view of user risk across onboarding, login, and payments. ## Stop payment fraud before funds move, not after losses occur. ## Detect high-risk account transfers Bank Transfers Evaluate sender behavior, account history, and behavior patterns to identify account takeovers, scams, and mule activity. ### Real-time transaction scores Screen incoming and outgoing payments, counterparties, and payouts for signals of risk. ### Predict return risk Identify unauthorized debits, NSF exposure, and high-risk payments before submission or settlement. ### Configurable decisions by rail Approve, hold, reroute, or block transactions in-line by rail, amount, counterparty, and use case. ## Prevent fraudulent checks and deposits Deposit Fraud Detect altered checks, duplicate deposits, and abnormal deposit behavior using device, image, and transaction signals. ### Detect suspicious checks Identify risky checks using image analysis, duplication signals, and historical deposit behavior. ### Uncover replay and abuse patterns Spot repeated check usage, device reuse, and cross-account abuse attempts. ### Tie checks to customer context Link check activity to identity, device, and prior transaction behavior for deeper insight. ## Identify fraudulent payouts and payroll disbursements Disbursement Fraud Validate recipients and payout patterns to prevent fraud, account compromise, and misdirected funds. ### Detect mule and first-party fraud Identify payout abuse using behavioral baselines and network relationships across accounts. ### Score destination accounts pre-payout Evaluate bank account ownership, risk history, and reuse before funds are released. ### Automate low-risk payouts Approve routine payouts automatically while escalating anomalies for human review. ## See counterparty and network risk more clearly Counterparty Risk Analyze counterparties and connected accounts to surface hidden relationships and repeat offenders. ### Sonar consortium intelligence Identify risky counterparties using shared network intelligence beyond your bank’s transaction history. ### Analyze entity-level relationships Approve routine payouts automatically while escalating anomalies for human review. ### Detect fraud rings Surface coordinated activity and mule networks before losses compound. ## AI agents for transaction fraud detection Surface suspicious payments, uncover patterns, and explain risk before funds move with the help of AI agents. ### Identify risky payments in real-time using machine learning models trained on bank transaction behavior. ### Detect new abuse trends and anomalies across rails using live transaction intelligence. ### Recommend rule updates based on changes in traffic, risk, and observed fraud. patterns ### Expose connected accounts, devices, and identities behind fraud with graph analysis. ## Backed by the industry’s leading agentic risk platform ### See risk beyond your walls Catch bank payment risk earlier with shared network intelligence across accounts, counterparties, and entities. Data Consortium ### Gain payment context Understand normal customer activity to surface anomalous behavior that signals fraud, scams, coercion, or account takeover. Device & Behavior ### Let our models do the rest ML models enhance decisioning and reduce noise while giving you full visibility and control. Machine Learning ### Get the complete story behind a transaction Centralize alerts, evidence, decisions, and reviewer actions to investigate bank payment risk with complete context. ## Stop bank payment fraud before funds move ## Prevent fraud at every customer touchpoint Bank transactions are just one part of the journey. Stop financial crime at every stage of your customer journey. ### Card Acquiring Detect and prevent card payment fraud before authorization and settlement. ### Card Issuing Protect cards from account takeover, misuse, and fraudulent transactions. ### Bank Account Validation Verify bank accounts before funding, payouts, or ACH transactions. ## Frequently
asked questions