A system and method provides monitoring for atrial fibrillation. A data acquisition processor acquires a cardiac signal data stream from a patient and a wave detector detects an R-wave in a cardiac signal of the data stream. A T-wave in the cardiac signal occurring after the detected R-wave and a Q-wave in a subsequent cardiac signal of the data stream is also detected by the wave detector. A filter provides signal gating and extraction of data representing a Region of Interest (ROI) time window from the detected T-wave to the Q-wave. An integration processor detects characteristics of a P wave signal occurring within the ROI time window. At least one of the detected P wave characteristics is compared to characteristics derived from data representing at least one P wave signal and generating an output signal in response to the comparison for use in determining if the patient is in atrial fibrillation.