Banking and Financial Services
Identity That Examiners Trust And Attackers Can't Break
Financial services is the most targeted, most regulated, and most complex identity environment in the world. Most IAM platforms weren't designed for it.
Book a DemoIdentity Risk in Financial Services
The Gaps Examiners, Attackers, and Auditors Are Already Exploiting
Authentication That Fails Examination
Regulators now test whether MFA meets a specific technical bar. Most banks haven't caught up.
- SMS OTP fails PSD2 dynamic linking requirements
- NIST 800-63B classifies SMS as a restricted authenticator
- SIM-swap fraud rose 1,055% in 2024 (FBI IC3)
Sessions No One Is Verifying
Authentication confirms who logged in, not who acted. If someone else takes the seat, every action runs under a verified identity no longer present.
- No mechanism to bind sessions to the person who opened them
- Wire transfers and loan approvals happen in unverified sessions
- Credential handoff is invisible to current IAM controls
Access That Outlasts Employment
When employees transfer or exit, access provisioned for the previous role persists until someone manually catches it.
- SOX auditors test termination-to-revocation timelines to the day
- Most institutions cannot demonstrate same-day revocation
- Orphaned accounts create persistent insider threat surface
Partner Access With No Expiry
Correspondent banks, processors, and fintech partners get access at onboarding. That access is rarely reviewed again.
- API keys tied to deprecated integrations persist for months
- DORA Article 28 requires full-lifecycle third-party governance
- Each unreviewed credential is a documentable compliance gap
Consumer Identity on the Wrong Foundation
Consumer banking needs authentication that adapts to transaction risk in real time. Workforce IAM platforms were not built for this.
- Step-up for a wire, frictionless for a balance check
- PSD2 consent requires native protocol support, not middleware
- Workforce platforms lack consumer-scale session management
AI Agents Outside Controls
Banks are deploying AI agents without scoped permissions or audit trails.
- No expiring credentials for non-human identities
- Regulators will ask: who authorized this, what did they do?
- OCC Bulletin 2024-36 signals regulatory attention on AI ops
Six Products. One Controlled Architecture.
Continuous Presence Verification for Every High-Stakes Session
After login, most banks have no verified link between an active session and the person operating it. Presence Authority continuously confirms the right operator is at the keyboard, closing the window on seat swaps, remote takeovers, and shared-credential abuse. Every session generates a forensic-grade audit trail.
Action-Level Enforcement That Moves With the Transaction, Not Just the Login
Assurance Authority scores continuous signals across device posture, behavioral patterns, location, and credential context, then applies the right authentication level to each. PSD2 SCA-compliant. NIST 800-63 Level of Assurance-aligned. Fraud teams get the controls they need without the friction that drives customers to abandon transactions.
Open Banking, Consumer Authentication, and Regulated Consent. One Platform, No Middleware.
Progressive enrollment, self-service account recovery, and risk-calibrated re-authentication by transaction type, all configurable without custom code. Open banking APIs, PSD2 consent flows, and regulated partner data sharing are supported natively.
Every Partner Organization Gets Its Own Identity Boundary. You Keep Central Control.
Each partner institution self-manages their own users, roles, and access within the policy boundaries you set. Time-bounded access, automated expiration, and a clean audit record of what each partner accessed and when. Built for the third-party obligations DORA and SOC 2 reviews now require.
When the Employee Record Closes, Access Closes. Everywhere. Simultaneously.
When HR closes a record, access closes across every connected system simultaneously. Role-based access controls and joiner-mover-leaver automation handle the lifecycle without manual intervention. Timestamped, examiner-ready evidence for every access change.
Govern What AI Agents Can Do, On Behalf of Whom, and Prove It to Regulators.
SecureAuth governs non-human identities with the same controls applied to human ones: scoped permissions tied to specific workflows, time-bounded credentials that expire automatically, and a complete audit trail of every action an agent takes inside a banking system.
One Platform Across Every Financial Services Domain
Ready to Evaluate an IAM Architecture Built for Regulated Financial Services?
See how SecureAuth supports continuous identity governance, open banking compliance, fintech partner ecosystems, and consumer-scale authentication.