# Protect your users from account takeovers and scams Prevent fraud through ACH, RTP, FedNow, wires, and account-to-account by analyzing transaction behavior, counterparties, and network risk before funds move. ## Protect your users from scams and social engineering Detect unauthorized access during logins and live sessions before financial loss occurs. - $15.6B+: Losses from Account takeover related fraud in the U.S. alone - 83%: Organizations that experience account takeover incidents ## Correlate device, behavior, and session activity to identify account compromise early. ## Social engineering and remote access attacks Scam Prevention Detect manipulated sessions in progress to stop scams like fake investment advisors, customer support, or romance. ### Detect remote access Detect anomalous behavior during login and navigation that signals account compromise. ### Surface coached or manipulated behavior Detect copy and paste of PII, screenshots, active phone calls, stressed typing, guided mouse movements, risky context switches, and distraction. ### Interdict high-risk actions mid-session Flag high-risk access attempts based on unfamiliar devices, locations, or OS/browser changes. ## Credential stuffing and bot-driven takeover Login Protection Shut down automated login attacks without adding unnecessary friction for legitimate users. ### Detect signs of bot activity Identify when headless browsers, residential proxies, emulators, and virtual machines are active during a session. ### Flag non-human session behavior Identify scripted typing cadence, expert mouse movement, and unnatural navigation timing. ### Expose credential stuffing campaigns Analyze login bursts, password spraying, shared device IDs, and IP clustering to detect coordinated activity. ## Unauthorized account changes and profile manipulation Account Monitoring Stop account takeover attempts before they turn into downstream fraud. ### Flag high-risk and credential changes Monitor email, phone, password, MFA, and trusted device updates using session-level device integrity and behavioral risk signals. ### Correlate environment anomalies Connect VPN use, IP mismatch, timezone anomalies, and behavioral shifts to detect takeover attempts. ### Escalate before funds are exposed Dynamically restrict sessions before new payees, wires, ACH, or card activity occur. ## Cross-channel account takeover protection Cross-Channel Risk Eliminate blind spots between digital, mobile, and call center systems. ### Extend risk controls into the call center Incorporate inbound and outbound call signals into session-level risk decisions. ### Maintain a single risk profile across channels Unify onboarding history, login behavior, profile updates, device intelligence, and payment activity across all channels. ### Connect authentication and payment monitoring Block or step-up requests across authentication, profile changes, and payments to stop takeover attempts. ## AI agents for adaptive account takeover defense Continuously investigate, summarize, and escalate ATO risk in real-time. ### Automatically surface phishing, social engineering, and bot-driven logins using session and device intelligence. ### Recommend new rules and thresholds based on live attack patterns. ### Analyze shared devices, IPs, and identifiers to expose credential stuffing clusters and coordinated takeover campaigns. ### Generate clear summaries of session activity, risk drivers, profile changes, and payment attempts. ## ATO protection that's built for real-world attacks ### Record, replay, and explain every takeover decision Capture and replay full session activity across login, profile changes, and payments to understand exactly how compromise occurred. Confirm coached behavior, remote access tools, or impersonation while documenting every action with regulator-ready risk signals. ### Explainable session controls across login, profile updates, and payments Define clear, auditable controls to step up authentication, restrict actions, or block sessions instantly when risk changes across digital, mobile, and call center channels. ### Deeply integrated device and behavior signals across the customer lifecycle Assess real user interaction and device integrity to uncover emulators, remote access tools, obfuscation, and bot automation. ## One platform for account takeover, fraud, and scams ## ATO protection across the full account lifecycle Detect compromise early and extend controls to the bot attacks, funding fraud, and payments that follow. ### Bot Detection Stop automated attacks that enable credential stuffing. ### Bank Verification Protect accounts before payouts or transfers occur. ### Bank Transactions Prevent compromised accounts from being monetized. ## Frequently asked questions ### How is Sardine’s account takeover detection different from traditional fraud systems? Most systems focus on transaction monitoring after money moves. Sardine evaluates risk during login and live session activity by combining device integrity, behavioral signals, infrastructure reuse, and account history. ### How does Sardine detect coordinated credential stuffing or bot campaigns? Sardine generates a visitor fingerprint from device and environment signals during authentication flows and analyzes velocity patterns, shared infrastructure, and behavioral anomalies to detect coordinated credential stuffing and bot campaigns. ### Can Sardine automatically suggest new rules when attack patterns change? Yes. Sardine’s anomaly engine continuously monitors login and session traffic for deviations in behavior, velocity, and infrastructure patterns. ### How does Sardine support investigation and regulatory review? Sardine captures and replays full customer sessions across login, profile changes, and payments. Fraud teams can confirm coached behavior, impersonation, or remote access tools visually, not just through risk scores. ### Can AI agents operate autonomously without losing control? Yes. Sardine agents can run in copilot or autonomous mode.