Wells Fargo Bank, N.a.

Patricia L Hinrichs

Claes Dahlstrand

Laurie Jean Hamm

Michael L Casper

Natalie Holm

Bryan C Partyka

Maryanne G Genus

Systems and techniques for multi-layer user authentication with live interaction are described herein. An authentication request may be received from a user for secure data stored in a computing system. Contextual data may be received that is associated with authentication information received from the user. It may be determined that the user has passed a first authentication process based on a match between the authentication information and reference authentication information stored in a user profile for the user. A risk score may be generated for the authentication request based on the contextual data and the authentication data. A second authentication process may be identified based on the risk score. A set of secondary authentication information may be received. Data associated with the authentication request may be transmitted upon authentication of the user via the second authentication process based on the set of secondary authentication data.

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Phoenix, AZ, United States of America

Patricia L Hinrichs