How does Sanctions360 compare to Sanctions Screening?

Sanctions360 by Moody's is a comprehensive sanctions screening solution that consolidates data from multiple sanctions lists worldwide. It enables organizations to identify and mitigate risks associated with sanctioned entities and individuals by providing real-time alerts and detailed profiles. The platform supports compliance with global regulatory requirements, helping businesses avoid legal penalties and reputational damage.

Sardine's Sanctions Screening module provides real-time screening of customers and transactions against global sanctions lists, ensuring compliance with international regulatory requirements. The module continuously updates its databases with the latest information from various sanctions lists, including those maintained by governmental and international bodies. It employs advanced matching algorithms to accurately identify potential matches, minimizing false positives and ensuring that legitimate customers are not unduly affected. The system also generates comprehensive audit trails and reports, facilitating regulatory reporting and internal compliance reviews. By integrating seamlessly with existing customer management and transaction processing systems, the Sanctions Screening module enables organizations to maintain compliance without disrupting operational workflows.

Sardine's sanctions screening is part of their broader fraud and compliance platform, which includes:

- Know Your Customer (KYC) and Know Your Business (KYB) checks
- Anti-Money Laundering (AML) compliance
- Transaction monitoring
- Politically Exposed Persons (PEPs) and adverse media checks.

This integrated approach allows for a comprehensive view of potential risks across the customer lifecycle, from onboarding to ongoing transactions.

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Moody’s is a globally recognized integrated risk assessment firm best known for its credit ratings, research, and analytical tools in the financial sector. Founded in 1909 by John Moody, the company has grown over the past century to become one of the “Big Three” credit rating agencies, alongside Standard & Poor’s and Fitch Ratings. Moody’s provides ratings, insights, and risk analysis that inform and guide investors, financial market participants, and policymakers around the world.

At the core of Moody’s offerings are its credit ratings—an evaluation of creditworthiness that measures the likelihood that a borrower (such as a corporation, government, or structured finance entity) will be able to meet its debt obligations. These ratings, expressed through a standardized alphanumeric scale (ranging from Aaa for the highest-quality obligations to C for those in default), help inform lending decisions, influence interest rates, and shape investor perceptions. They are often required by regulatory bodies and are considered an essential component in global capital markets.

Moody’s also provides a wide array of research, data, and analytic tools to support risk management, portfolio analysis, and strategic decision-making. Through its subsidiary Moody’s Analytics, the firm delivers software solutions, economic data sets, quantitative models, and advisory services. These offerings support customers in areas ranging from credit risk measurement, stress testing, and regulatory compliance to supply chain management and environmental, social, and governance (ESG) assessments.

Another critical function of Moody’s is its role as a thought leader. Its analysts regularly publish sector research, market outlooks, and special commentary on emerging economic and financial trends. These insights help shape market discourse and policy debates on issues ranging from global debt sustainability to climate risk and systemic financial vulnerabilities.

Sardine offers a platform to automate risk decisioning, catch more fraud, detect money laundering, and protect customers from scams.

Sardine's platform integrates several key functionalities aimed at combating fraud and ensuring compliance:

- Fraud Detection: Utilizing behavioral analysis and machine learning, Sardine detects scams before they occur by monitoring subtle changes in user behavior across the customer lifecycle—from onboarding to transaction monitoring.
- Risk Scoring: The platform employs advanced risk-scoring models to evaluate potential threats in real-time.
- Compliance Solutions: Sardine provides services such as Know Your Customer (KYC), Know Your Business (KYB), transaction monitoring, and anti-money laundering (AML) compliance.
- Device Intelligence & Behavioral Biometrics: By incorporating device intelligence and behavioral biometrics, Sardine enhances its fraud detection capabilities beyond traditional methods.

The inception of Sardine was driven by the founders' experiences in the fintech space, particularly their recognition of the fragmented nature of fraud prevention services available to cryptocurrency and neobanking sectors. Ranjan's background in cybersecurity and machine learning, alongside the team's collective expertise, led to the development of a unified API platform designed to tackle various fraud risks comprehensively. The name "Sardine" is a nod to Suspicious Activity Reports (SARs), which are critical in reporting financial crimes.