Linker Finance, a modular banking platform designed specifically for community banks, has announced a strategic partnership with Sardine to enhance fraud detection and financial crime prevention capabilities. Through this collaboration, Linker will integrate Sardine’s real-time risk management technology into its retail and business banking services, enabling community banks to identify threats earlier, reduce manual workloads, and strengthen protection for their customers.
Community banks play a critical role in supporting local economies; however, many of them lack access to the advanced fraud prevention tools typically available to large national financial institutions. Therefore, this partnership aims to bridge that technology gap by bringing enterprise-grade fraud detection and risk intelligence directly into the workflows used by community banks.
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The integration will focus on high-risk banking activities such as deposit account opening, account funding, Know Your Customer (KYC) and Know Your Business (KYB) verification, anti-money laundering (AML) monitoring, and payment transactions including ACH and wire transfers. By combining Sardine’s advanced risk signals such as device intelligence, behavioral analytics, and transaction monitoring with Linker’s banking orchestration platform, financial institutions can gain faster and deeper insights into suspicious activity.
“Community banks remain the backbone of local economies, but are often lacking the sophisticated anti-fraud and risk management technologies of major national banks,” said Ravi Loganathan, GM of Banking at Sardine. “By integrating Sardine with Linker’s retail and business banking workflows, we’re giving community institutions enterprise grade protection that will protect their customers and communities with confidence.”
Through this partnership, banks will benefit from real-time risk scoring across critical customer journeys, including deposit account onboarding and funding. As a result, suspicious activity can be flagged earlier in the process, preventing fraudulent accounts or transactions before they impact customers or the institution.
“Combining Linker’s retail and business banking capabilities with Sardine’s advanced risk signals transforms how community banks combat payment and account fraud. By applying Sardine’s real-time scoring to check processing, ACH and wire transactions alongside AML monitoring, banks gain faster threat detection and automated response options, which reduces manual review workload for bankers, lets teams prioritize customer relationships and strengthens protection for depositors,” said Jorge Garcia, CEO and Co-Founder of Linker Finance.
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In addition, Sardine’s device, behavioral, and transaction intelligence will help prevent account takeover attempts and strengthen authentication processes. Integrated AML monitoring and sanctions screening will also operate directly within banking workflows, providing clear escalation paths into case management systems for faster investigation and resolution.
From a technology perspective, the integration is designed to deliver high performance and operational efficiency. Sardine’s low-latency APIs enable automated risk decisions to occur in real time, ensuring that fraud prevention does not slow down legitimate customer experiences.
“As a technology organization, we focus on integrations that are fast, reliable and measurable. Sardine’s low-latency APIs and robust device and behavioral signals let us automate risk decisions in real time across retail and commercial flows, improve customer conversion during funding, and significantly reduce manual workload for operations,” said Pete Torres, EVP, CIO at Linker Finance.
Overall, the partnership delivers several key benefits for community banks. These include real-time fraud risk scoring during account onboarding, advanced signals to detect suspicious devices and behaviors, integrated AML and sanctions monitoring, automated risk prioritization to reduce operational workloads, and improved approval rates for legitimate customers during account opening and funding. Additionally, the system provides centralized risk orchestration that can complement existing rules-based detection models and industry consortium data.
As fraud tactics continue evolving and financial institutions face increasing regulatory pressure, partnerships like this highlight how fintech collaboration can empower smaller banks with the tools needed to compete securely in the modern digital banking landscape.
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