--- title: Stop Identity Fraud Without Slowing Business Growth source_page: https://www.sardine.ai/identity-fraud canonical: https://www.sardine.ai/identity-fraud format: text/markdown description: Layer device intelligence, behavioral biometrics, and fraud intelligence consortium data to detect synthetic IDs and automate identity decisions in real time. --- **Quick links:** [Human page](https://www.sardine.ai/identity-fraud) · [Home](https://www.sardine.ai) · [Customers](https://www.sardine.ai/customers) · [Blog](https://www.sardine.ai/blog) · [Demo](https://www.sardine.ai/demo) --- # Stop Identity Fraud Without Slowing Business Growth Layer device intelligence, behavioral biometrics, and fraud intelligence consortium data to detect synthetic IDs and automate identity decisions in real time. ## Verify legitimate users and stop bad actors early Catch synthetic and stolen identities without adding friction for legitimate users. Use Sardine's device, behavior, identity, and network signals to separate bad actors from good users. ## Seamless identity verification wherever you need it - 99% match: Across name, tax ID, DOB, and state records - 230+: Countries covered with phone and email intelligence ### Approve more legitimate users Reduce onboarding friction with passive risk signals and ML scoring instead of blanket document checks. ### Escalate high-risk users Resolve common identity mismatches automatically and reduce false positives and manual reviews. ### Stop coordinated fraud Detect synthetic and stolen identities, money mule networks, and deepfake impersonation before account creation. ## Build trust across onboarding, verification, and ongoing account activity ## Risk-based onboarding orchestration Account Opening Support custom workflows that route users based on their risk level. ### Passive pre-screening Assess device and behavior signals to identify VPNs, emulators, and remote tools. ### Identity resolution Corroborate name, phone, email, date of birth, and location signals instantly. ### Progressive escalation Trigger risk-based enhanced due diligence, document verification, or selfie liveness checks. ## Make age checks faster and more reliable Age Assurance Support age-gated access for restricted products while protecting conversion and user experience. ### Verify younger populations Use multiple identity sources to confirm user age, including official government databases, phone, email, and online footprint. ### Create automatic workflows Initiate document checks or selfie liveness only when behavioral and device risk signals call for it, including guardian consent. ### Protect conversion rates Collect only the data required to comply with regulations, keeping the path low-friction to reduce abandonment. ## Bring more confidence to workforce onboarding Workforce IDV Confirm worker identity to prevent payroll fraud, impersonation, and unauthorized access. ### Detect identity mismatches Cross-check phone, email, and device signals to flag inconsistencies and burner accounts. ### Flag synthetic and manipulated identities Identify fake identities, reused attributes, location spoofing, deepfakes, and impersonation attempts. ### Automate identity checks Reduce manual reviews so teams can focus on real risk without slowing onboarding. ## Protect trust across your marketplace or platform Trust and Safety Verify users, sellers, and service providers to reduce fraud, abuse, and fake accounts. ### Identify high-risk users Use device and behavior signals to spot high-risk participants and surface suspicious activity early. ### Detect coordinated abuse Link accounts, devices, and identities to uncover multi-accounting and repeat policy violators. ### Prevent impersonation and evasion Identify spoofed environments, forged identities, and deepfake attempts before granting platform access. ## Streamline document review and identity verification Use AI agents to investigate anomalies, clear false positives, perform online searches, and verify users faster. ### Correct name mismatches, OCR errors, and formatting issues. ### Uncover linked identities, devices, and entities to detect coordinated abuse. ### Resolve entity and ownership mismatches automatically. ### Review and summarize business documents and filings. ## Backed by the industry’s leading agentic risk 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 ### Auditable no-code rules and workflows Design progressive verification paths, set escalation thresholds, and route reviews without hardcoding logic, while maintaining consistent decisions, clear audit trails, and control. Rules & Workflows ### Let our models do the rest Use our ML models to spot identity fraud more accurately and reduce noise from false positives. With full explainability, you know exactly what factored into a risk decision. Machine Learning ### Add more context to 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. ## Spot identity fraud without blocking good users ## Know who's behind every account Extend fraud controls from individual identities to policy abuse, card issuing, and merchant risk. ### Policy abuse Detect multi-accounting, bonus abuse, and repeat policy violations. ### Issuing fraud Stop unauthorized card transactions at authorization. ### Merchant risk Validate merchant legitimacy beyond registration. ## Frequently asked questions ### How is Sardine different from traditional identity verification vendors? Traditional identity verification providers rely heavily on static document checks and basic bureau matches. Sardine layers identity resolution with device intelligence, behavioral biometrics, and consortium-level context to detect sophisticated fraud before documents are even collected. Sardine’s AI agents also resolve common onboarding issues automatically, such as OCR errors, name transliterations, and formatting mismatches, so more legitimate users are approved faster with fewer manual reviews. ### Can Sardine reduce manual reviews and false positives in onboarding workflows? Yes. Sardine is designed to clear routine identity mismatches and obvious false positives automatically, preventing review backlogs and reducing analyst workload. AI agents continuously review queues, corroborate identity claims against authoritative sources, and escalate only high-confidence risk cases. Customers using Sardine have automated nearly 90% of fraud and compliance checks in real time. ### How does Sardine detect synthetic identities and coordinated fraud networks? Sardine combines identity consistency checks with persistent device fingerprinting, behavioral signals, velocity attributes, and network-level consortium intelligence. In addition, Sardine’s Graph Analyst agent maps customer and merchant networks to uncover hidden relationships, suspicious clusters, and coordinated abuse patterns that point solutions miss. ### Does Sardine support automated investigations beyond onboarding? Yes. Sardine’s identity platform extends beyond onboarding into continuous monitoring and investigation workflows. The OSINT Agent automatically gathers public risk context from news, social media, registries, and open-source databases, reducing manual research time by up to 90% and producing clear risk summaries for analysts. ### How does Sardine help teams stay audit-ready and regulator-ready? Sardine’s AI agents don’t just generate alerts, they produce consistent, defensible evaluations with built-in documentation. Agents can automatically generate case summaries, investigation findings, and even regulator-ready SAR/UAR narratives in minutes instead of hours. Sardine also supports an Agentic Oversight Framework, where agent decisions can be sampled and calibrated with human governance. ### How does Sardine help with disputes and chargebacks tied to identity fraud? Sardine’s Disputes Agent automatically gathers transaction context, customer history, device intelligence, and delivery proof, then assembles dispute-ready evidence packages tailored to card-network reason codes. This helps teams resolve disputes faster and win more chargebacks with consistent documentation.