Compliant. Protected. Trusted.

Fraud and risk management for banks, card issuers, challengers, mobile wallets, and top-tier regulated financial institutions.

Stay ahead of innovation

and stop smart fraud and financial crime in its tracks.

In the highly regulated global financial services industry, you need the right compliance tools to stay ahead of your regulatory obligations and avoid the huge fines that often come from poor controls and processes. Expertly manage risk and embrace current and evolving digital innovations for Banks, Card Issuers, Challengers, Mobile wallets, and more, with sharp tools and hard-earned expertise.

Here's how we can help you


Comply with global AML/KYC regulations such as 5th AMLD, JMLSG, FATF, Patriot Act through customised contextualised workflows designed for the fast-moving digital economy.

Good customers

Remotely onboard customers using best-in-breed Anti-Impersonation checks (Devices, Emails, Location, IP, etc) to determine good and bad actors early and harness the digital opportunity.

Global reach

Leverage Sphonic’s global marketplace of over 85 of the worlds leading data providers via a single API that can cohesively integrate with existing tools and platforms with minimal tech effort.


Modify the service on an ongoing basis as new trends, traits and technologies impact the banking environment, working with our team of experts for ongoing optimisation.

Clever defence

Extend insights gained during the on-boarding process for ongoing fraud and transactional monitoring, with further customised workflows allowing for a complete picture of your customers.

Get the fraud and risk experts on it so you can get back to business.


As well as working with one of the top tier UK banks and large global payments companies, Sphonic works with the likes of NewDay, Paysafe, and others who leverage our technology to stay ahead of the fraudsters and accept more customers with our market-leading RegTech platform. What can we do for your business?