Sardine Sponsor Bank OS is a compliance and fraud oversight platform designed for sponsor banks to monitor and manage their fintech partner programs. The platform provides centralized visibility across multiple fintech programs, enabling banks to oversee onboarding flows, login activities, and payment transactions. The system supports FFIEC policy requirements and complies with standards from five banking regulators (FRB, FDIC, NCUA, OCC, CFPB). It offers AML transaction monitoring across card networks, banks, and international payment rails, with a unified dashboard for fraud and AML teams. The platform includes parent-child hierarchy functionality to manage rule deployment across different fintech business models (B2B, B2C, B2B2C). Banks can mandate universal monitoring rules that cannot be disabled by fintechs, or create custom rules for individual programs. AI-driven risk assessments run continuously to identify policy gaps and provide recommendations. For investigations, the platform provides a connections graph for link analysis across devices, IP addresses, phone numbers, emails, cards, bank accounts, and SSNs. It includes a no-code rules editor with over 4,800 risk features and supports rule back-testing and shadow mode trials. The case management system supports collaboration between banks and fintechs, with GenAI capabilities for prefilling UAR or SAR templates and direct filing with FinCEN SAR STDM protocol. The platform can be offered as a white-label solution to fintechs, providing KYC, KYB, sanctions screening, AML monitoring, case management, and fraud prevention capabilities. It includes pre-built templates and rulesets for programs like card issuing, banking, and lending.