--- title: Industries - Wealth Management source_page: https://www.sardine.ai/industries/wealth-management canonical: https://www.sardine.ai/industries/wealth-management format: text/markdown description: --- **Quick links:** [Human page](https://www.sardine.ai/industries/wealth-management) · [Home](https://www.sardine.ai) · [Customers](https://www.sardine.ai/customers) · [Blog](https://www.sardine.ai/blog) · [Demo](https://www.sardine.ai/demo) --- # Industries - Wealth Management ## Protect client assets without slowing down legitimate activity Sardine connects identity, behavioral, transaction, entity, and network intelligence across the client lifecycle. Detect risk earlier, clear trusted activity faster, and bring fraud and AML into one view. ### One platform for fraud and AML Connect client, account, transaction, screening, and case context so fraud and compliance teams can investigate with the same view of risk. ### Resolve complex investigations faster Agents handle research, due diligence, document review, and casework, so analysts focus on activity that needs human judgment. ### Real-time decisioning across the client lifecycle Apply consistent risk decisions across onboarding, account access, beneficiary changes, money movement, and ongoing monitoring. ### Network intelligence beyond your client base Link clients, accounts, devices, and counterparties to uncover mule activity and coordinated financial crime that no single portfolio shows. ## Bring more context to every decision across the client relationship ## Onboard more clients without adding manual review Client onboarding Verify clients and ownership structures using identity, device, behavioral, and Network Intelligence signals. Send only higher-risk applications to deeper review. ### Detect synthetic identities Pre-screen applicants with device, behavior, and Network Intelligence before adding friction for good clients. ### Verify complex relationships Verify beneficial owners, trustees, and controllers of trusts and LLCs, and screen them against global watchlists. ### Escalate based on risk Apply document verification, enhanced due diligence, or manual review only when risk thresholds are met. ## Protect client assets after login Account protection Detect when access, account changes, or money movement no longer match the client behind the relationship, even when credentials and MFA checks look legitimate. ### Catch account takeovers Identify behavioral shifts, device changes, remote-access tools, and other signs that control of the account has changed. ### Protect high-value money movement Evaluate wires, withdrawals, distributions, beneficiary changes, and other sensitive requests before funds leave. ### Detect social engineering and exploitation Connect changes in behavior, session activity, beneficiaries, and payment patterns to surface scams, impersonation, coercion, and other unusual activity earlier. ## Clear more financial crime cases, faster Financial crime operations Give teams full context at the start of every review. Agents handle alert review, entity research, and case documentation. ### Prioritize higher-risk activity Connect client, transaction, screening, device, and network signals so analysts start with the highest-risk activity. ### Automate repeatable work Agents clear low-risk alerts, research entities, and draft case summaries, with a documented decision trail. ### Carry context across workflows Preserve risk signals from onboarding, account activity, and money movement through AML review, investigations, and reporting. ## See risk across the full client relationship Relationship risk Connect clients, advisors, accounts, devices, entities, counterparties, and transactions to uncover risk that looks legitimate when reviewed one account at a time. ### Uncover hidden relationships Use graph and Network Intelligence to identify connections across accounts, devices, entities, counterparties, and transactions. ### See through complex ownership Bring beneficial ownership, related entities, trusts, LLCs, family partnerships, intermediaries, and omnibus structures into the same view. ### Detect unusual servicing activity Surface beneficiary changes, address changes, redemptions, transfer requests, and other activity that breaks from the client or relationship history. ## Check every client action against one set of signals ### Device and Behavior Device fingerprinting and behavioral biometrics show when a login, credential change, or transfer request comes from a bot, an emulator, or someone who isn't the account holder. ### Sardine Network Signals from Sardine's own customer base show identities and devices flagged elsewhere, before a new account is opened or funded. ### Sonar Consortium A live consortium spanning 6.5B+ devices and 441M consumers lets agents check a new client or a newly linked outside account against risk no single firm could see alone. ## We’ve built modern risk systems in production at scale ## Make your fraud and AML teams 2⁠–⁠5x more efficient Agentic AI Sardine's agents investigate account takeovers, research clients and related parties, clear false positives, and document every decision so your analysts spend their time on the cases that matter. ## Automate identity decisions Resolve common identity issues, escalate high-risk users, and explain verification outcomes automatically. ### Correct name mismatches, OCR errors, and formatting issues. ### Uncover linked identities, devices, and entities to detect coordinated abuse. ## Backed by the industry’s leading data 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 and workflows ### Let our models do the rest Let Sardine’s models enhance decisioning and reduce noise while giving you full visibility and control. Machine learning ### High-confidence 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. ## Frequently asked questions ### How is Sardine different from traditional identity verification vendors? Traditional providers rely on static document checks and bureau matches. Sardine adds device intelligence, behavioral biometrics, and consortium context to catch sophisticated fraud before documents are collected, and AI agents resolve common onboarding issues like OCR errors and name transliterations automatically. ### Can Sardine reduce manual reviews and false positives in client onboarding? Yes. Device, behavioral, and identity signals separate genuine clients from risky applicants earlier, and AI agents clear common false positives so your team only reviews the cases that need judgment. ### How does Sardine detect synthetic identities and coordinated fraud networks? Sardine links devices, identities, and behavior across accounts and institutions, so shared devices and connected applicants that look clean in isolation show up as a pattern. ### Does Sardine protect existing client accounts, not just onboarding? Yes. Sardine monitors behavior, sessions, and payments after onboarding to surface account takeover, impersonation, and scams earlier. ### Does Sardine support automated investigations for financial crime teams? Yes. AI agents research entities, clear false positives, and draft case notes, with every step documented and your team in control of decisions. ### How does Sardine help teams stay audit-ready and regulator-ready? Sardine records the data, rules, and reasoning behind each decision, so you can show regulators exactly how a call was made.