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Expanding the definition from UBA includes devices, applications, servers, data, or anything with an IP address. It moves beyond the fraud-oriented UBA focus to a broader one encompassing &quot;malicious and abusive behavior that otherwise went unnoticed by existing security monitoring systems, such as SIEM and DLP.&quot; The addition of &quot;entity&quot; reflects that devices may play a role in a network attack and may also be valuable in uncovering attack activity. &quot;When end users have been compromised, malware can lay dormant and go undetected for months. Rather than trying to find where the outsider entered, UEBAs allow for quicker detection by using algorithms to detect insider threats.&quot;\r\nParticularly in the computer security market, there are many vendors for UEBA applications. They can be &quot;differentiated by whether they are designed to monitor on-premises or cloud-based software as a service (SaaS) applications; the methods in which they obtain the source data; the type of analytics they use (i.e., packaged analytics, user-driven or vendor-written), and the service delivery method (i.e., on-premises or a cloud-based).&quot; According to the 2015 market guide released by Gartner, &quot;the UEBA market grew substantially in 2015; UEBA vendors grew their customer base, market consolidation began, and Gartner client interest in UEBA and security analytics increased.&quot; The report further projected, &quot;Over the next three years, leading UEBA platforms will become preferred systems for security operations and investigations at some of the organizations they serve. It will be—and in some cases already is—much easier to discover some security events and analyze individual offenders in UEBA than it is in many legacy security monitoring systems.&quot;","materialsDescription":"<span style=\"font-weight: bold;\">What is UEBA?</span>\r\nHackers can break into firewalls, send you e-mails with malicious and infected attachments, or even bribe an employee to gain access into your firewalls. Old tools and systems are quickly becoming obsolete, and there are several ways to get past them.\r\nUser and entity behavior analytics (UEBA) give you more comprehensive way of making sure that your organization has top-notch IT security, while also helping you detect users and entities that might compromise your entire system.\r\nUEBA is a type of cybersecurity process that takes note of the normal conduct of users. In turn, they detect any anomalous behavior or instances when there are deviations from these “normal” patterns. For example, if a particular user regularly downloads 10 MB of files every day but suddenly downloads gigabytes of files, the system would be able to detect this anomaly and alert them immediately.\r\nUEBA uses machine learning, algorithms, and statistical analyses to know when there is a deviation from established patterns, showing which of these anomalies could result in, potentially, a real threat. UEBA can also aggregate the data you have in your reports and logs, as well as analyze the file, flow, and packet information.\r\nIn UEBA, you do not track security events or monitor devices; instead, you track all the users and entities in your system. As such, UEBA focuses on insider threats, such as employees who have gone rogue, employees who have already been compromised, and people who already have access to your system and then carry out targeted attacks and fraud attempts, as well as servers, applications, and devices that are working within your system.\r\n<span style=\"font-weight: bold;\">What are the benefits of UEBA?</span>\r\nIt is the unfortunate truth that today's cybersecurity tools are fast becoming obsolete, and more skilled hackers and cyber attackers are now able to bypass the perimeter defenses that are used by most companies. In the old days, you were secure if you had web gateways, firewalls, and intrusion prevention tools in place. This is no longer the case in today’s complex threat landscape, and it’s especially true for bigger corporations that are proven to have very porous IT perimeters that are also very difficult to manage and oversee.\r\nThe bottom line? Preventive measures are no longer enough. Your firewalls are not going to be 100% foolproof, and hackers and attackers will get into your system at one point or another. This is why detection is equally important: when hackers do successfully get into your system, you should be able to detect their presence quickly in order to minimize the damage.\r\n<span style=\"font-weight: bold;\">How Does UEBA Work?</span>\r\nThe premise of UEBA is actually very simple. You can easily steal an employee’s user name and password, but it is much harder to mimic the person’s normal behavior once inside the network.\r\nFor example, let’s say you steal Jane Doe’s password and user name. You would still not be able to act precisely like Jane Doe once in the system unless given extensive research and preparation. Therefore, when Jane Doe’s user name is logged in to the system, and her behavior is different than that of typical Jane Doe, that is when UEBA alerts start to sound.\r\nAnother relatable analogy would be if your credit card was stolen. A thief can pickpocket your wallet and go to a high-end shop and start spending thousands of dollars using your credit card. If your spending pattern on that card is different from the thief’s, the company’s fraud detection department will often recognize the abnormal spending and block suspicious purchases, issuing an alert to you or asking you to verify the authenticity of a transaction.\r\nAs such, UEBA is a very important component of IT security, allowing you to:\r\n1. Detect insider threats. It is not too far-fetched to imagine that an employee, or perhaps a group of employees, could go rogue, stealing data and information by using their own access. UEBA can help you detect data breaches, sabotage, privilege abuse and policy violations made by your own staff.\r\n2. Detect compromised accounts. Sometimes, user accounts are compromised. It could be that the user unwittingly installed malware on his or her machine, or sometimes a legitimate account is spoofed. UEBA can help you weed out spoofed and compromised users before they can do real harm.\r\n3. Detect brute-force attacks. Hackers sometimes target your cloud-based entities as well as third-party authentication systems. With UEBA, you are able to detect brute-force attempts, allowing you to block access to these entities.\r\n4. Detect changes in permissions and the creation of super users. Some attacks involve the use of super users. UEBA allows you to detect when super users are created, or if there are accounts that were granted unnecessary permissions.\r\n5. Detect breach of protected data. If you have protected data, it is not enough to just keep it secure. You should know when a user accesses this data when he or she does not have any legitimate business reason to access it.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_User_and_Entity_Behavior_Analytics.png","alias":"ueba-user-and-entity-behavior-analytics"},"848":{"id":848,"title":"Multi-factor authentication","description":" Multi-factor authentication (MFA) is an authentication method in which a computer user is granted access only after successfully presenting two or more pieces of evidence (or factors) to an authentication mechanism: knowledge (something the user and only the user knows), possession (something the user and only the user has), and inherence (something the user and only the user is).\r\nTwo-factor authentication (also known as 2FA) is a type, or subset, of multi-factor authentication. It is a method of confirming users' claimed identities by using a combination of two different factors: 1) something they know, 2) something they have, or 3) something they are.\r\nA good example of two-factor authentication is the withdrawing of money from an ATM; only the correct combination of a bank card (something the user possesses) and a PIN (something the user knows) allows the transaction to be carried out.\r\nTwo other examples are to supplement a user-controlled password with a one-time password (OTP) or code generated or received by an authenticator (e.g. a security token or smartphone) that only the user possesses.\r\nTwo-step verification or two-step authentication is a method of confirming a user's claimed identity by utilizing something they know (password) and a second factor other than something they have or something they are. An example of a second step is the user repeating back something that was sent to them through an out-of-band mechanism. Or, the second step might be a six digit number generated by an app that is common to the user and the authentication system.","materialsDescription":" <span style=\"font-weight: bold;\">What is MFA?</span>\r\nMulti-factor authentication (MFA) combines two or more independent authentication factors. For example, suppose your website required your clients to enter something only they would know upon login (password), something they have (like a one-time smartphone authentication token provided by special software), and a biometric identifier (like a thumbprint). It is pretty hard for a mortgage cyber-attacker to have all three of those items, especially the biometric identifier.\r\n<span style=\"font-weight: bold;\">Why do I need MFA? What are the benefits?</span>\r\nPasswords are becoming increasingly easy to compromise. They can be stolen, “phished”, guessed, and hacked. New technology and hacking techniques combined with the limited pool of passwords most people use for multiple accounts increases vulnerability.\r\n<span style=\"font-weight: bold;\">How does MFA work?</span>\r\nMulti-factor authentication throws a few roadblocks in the hacker's pathway. Location factors are one way for a security system to identify a person's identity. For example, work schedules and location can determine whether a user is who he says he is. Time is another example of a security layer. If a person uses his phone at a job in the US, it is physically impossible for him to use it again from Europe 15 minutes later. 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By applying machine learning to a combination of mobile sensor data and third-party threat intelligence, the solution authenticates users con","og:image":"https://old.roi4cio.com/uploads/roi/company/status-identity.jpg"},"eventUrl":"","vendorPartners":[],"supplierPartners":[],"vendoredProducts":[{"id":6437,"logoURL":"https://old.roi4cio.com/fileadmin/user_upload/Status_Identity.png","logo":true,"scheme":false,"title":"Status Identity","vendorVerified":0,"rating":"0.00","implementationsCount":0,"suppliersCount":0,"supplierPartnersCount":0,"alias":"status-identity","companyTitle":"Status Identity","companyTypes":["supplier","vendor"],"companyId":7040,"companyAlias":"status-identity","description":"<b>Device insight</b>\r\nStatus Identity leverages the array of sensors within mobile devices, along with application logs to authoritatively identify devices. Changes related to device connectivity, operating system, device ID and others are instantly identified and used to prevent unauthorized devices. \r\n<b>Use behavior and risk analytics</b>\r\nBy applying machine learning algorithms to user behavior analysis and device data, Status Identity creates organizational insight that is unavailable through SIEM tools or Access Governance Platforms. Not only does this approach allow for continuous authentication, it works passively in the background to provide a truly frictionless solution. \r\n<b>Open API</b>\r\nOur flexible APIs can be embedded into existing enterprise access controls to enhance organizational insight and strengthen remediation. With robust reporting capabilities Status Identity’s solution augments SOC resources by automatically stitching hundreds of anomalies observed across multiple entities, users, devices and applications. This allows organizations to implement a holistic and cohesive security strategy. \r\n<b>Benefits:</b>\r\n<ul> <li>Powerful insights with machine learning and behavioral biometrics</li> <li>A truly friction-less user experience</li> <li>Open API for enterprise integrations</li> </ul>","shortDescription":"Authenticate Autonomously. Preserve Privacy\r\n","type":null,"isRoiCalculatorAvaliable":false,"isConfiguratorAvaliable":false,"bonus":100,"usingCount":0,"sellingCount":0,"discontinued":0,"rebateForPoc":0,"rebate":0,"seo":{"title":"Status Identity","keywords":"","description":"<b>Device insight</b>\r\nStatus Identity leverages the array of sensors within mobile devices, along with application logs to authoritatively identify devices. 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In September 2015, Gartner published the Market Guide for User and Entity Analytics by Vice President and Distinguished Analyst, Avivah Litan, that provided a thorough definition and explanation. UEBA was referred to in earlier Gartner reports but not in much depth. Expanding the definition from UBA includes devices, applications, servers, data, or anything with an IP address. It moves beyond the fraud-oriented UBA focus to a broader one encompassing &quot;malicious and abusive behavior that otherwise went unnoticed by existing security monitoring systems, such as SIEM and DLP.&quot; The addition of &quot;entity&quot; reflects that devices may play a role in a network attack and may also be valuable in uncovering attack activity. &quot;When end users have been compromised, malware can lay dormant and go undetected for months. Rather than trying to find where the outsider entered, UEBAs allow for quicker detection by using algorithms to detect insider threats.&quot;\r\nParticularly in the computer security market, there are many vendors for UEBA applications. They can be &quot;differentiated by whether they are designed to monitor on-premises or cloud-based software as a service (SaaS) applications; the methods in which they obtain the source data; the type of analytics they use (i.e., packaged analytics, user-driven or vendor-written), and the service delivery method (i.e., on-premises or a cloud-based).&quot; According to the 2015 market guide released by Gartner, &quot;the UEBA market grew substantially in 2015; UEBA vendors grew their customer base, market consolidation began, and Gartner client interest in UEBA and security analytics increased.&quot; The report further projected, &quot;Over the next three years, leading UEBA platforms will become preferred systems for security operations and investigations at some of the organizations they serve. It will be—and in some cases already is—much easier to discover some security events and analyze individual offenders in UEBA than it is in many legacy security monitoring systems.&quot;","materialsDescription":"<span style=\"font-weight: bold;\">What is UEBA?</span>\r\nHackers can break into firewalls, send you e-mails with malicious and infected attachments, or even bribe an employee to gain access into your firewalls. Old tools and systems are quickly becoming obsolete, and there are several ways to get past them.\r\nUser and entity behavior analytics (UEBA) give you more comprehensive way of making sure that your organization has top-notch IT security, while also helping you detect users and entities that might compromise your entire system.\r\nUEBA is a type of cybersecurity process that takes note of the normal conduct of users. In turn, they detect any anomalous behavior or instances when there are deviations from these “normal” patterns. For example, if a particular user regularly downloads 10 MB of files every day but suddenly downloads gigabytes of files, the system would be able to detect this anomaly and alert them immediately.\r\nUEBA uses machine learning, algorithms, and statistical analyses to know when there is a deviation from established patterns, showing which of these anomalies could result in, potentially, a real threat. UEBA can also aggregate the data you have in your reports and logs, as well as analyze the file, flow, and packet information.\r\nIn UEBA, you do not track security events or monitor devices; instead, you track all the users and entities in your system. As such, UEBA focuses on insider threats, such as employees who have gone rogue, employees who have already been compromised, and people who already have access to your system and then carry out targeted attacks and fraud attempts, as well as servers, applications, and devices that are working within your system.\r\n<span style=\"font-weight: bold;\">What are the benefits of UEBA?</span>\r\nIt is the unfortunate truth that today's cybersecurity tools are fast becoming obsolete, and more skilled hackers and cyber attackers are now able to bypass the perimeter defenses that are used by most companies. In the old days, you were secure if you had web gateways, firewalls, and intrusion prevention tools in place. This is no longer the case in today’s complex threat landscape, and it’s especially true for bigger corporations that are proven to have very porous IT perimeters that are also very difficult to manage and oversee.\r\nThe bottom line? Preventive measures are no longer enough. Your firewalls are not going to be 100% foolproof, and hackers and attackers will get into your system at one point or another. This is why detection is equally important: when hackers do successfully get into your system, you should be able to detect their presence quickly in order to minimize the damage.\r\n<span style=\"font-weight: bold;\">How Does UEBA Work?</span>\r\nThe premise of UEBA is actually very simple. You can easily steal an employee’s user name and password, but it is much harder to mimic the person’s normal behavior once inside the network.\r\nFor example, let’s say you steal Jane Doe’s password and user name. You would still not be able to act precisely like Jane Doe once in the system unless given extensive research and preparation. Therefore, when Jane Doe’s user name is logged in to the system, and her behavior is different than that of typical Jane Doe, that is when UEBA alerts start to sound.\r\nAnother relatable analogy would be if your credit card was stolen. A thief can pickpocket your wallet and go to a high-end shop and start spending thousands of dollars using your credit card. If your spending pattern on that card is different from the thief’s, the company’s fraud detection department will often recognize the abnormal spending and block suspicious purchases, issuing an alert to you or asking you to verify the authenticity of a transaction.\r\nAs such, UEBA is a very important component of IT security, allowing you to:\r\n1. Detect insider threats. It is not too far-fetched to imagine that an employee, or perhaps a group of employees, could go rogue, stealing data and information by using their own access. UEBA can help you detect data breaches, sabotage, privilege abuse and policy violations made by your own staff.\r\n2. Detect compromised accounts. Sometimes, user accounts are compromised. It could be that the user unwittingly installed malware on his or her machine, or sometimes a legitimate account is spoofed. UEBA can help you weed out spoofed and compromised users before they can do real harm.\r\n3. Detect brute-force attacks. Hackers sometimes target your cloud-based entities as well as third-party authentication systems. With UEBA, you are able to detect brute-force attempts, allowing you to block access to these entities.\r\n4. Detect changes in permissions and the creation of super users. Some attacks involve the use of super users. UEBA allows you to detect when super users are created, or if there are accounts that were granted unnecessary permissions.\r\n5. Detect breach of protected data. If you have protected data, it is not enough to just keep it secure. You should know when a user accesses this data when he or she does not have any legitimate business reason to access it.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_User_and_Entity_Behavior_Analytics.png"},{"id":848,"title":"Multi-factor authentication","alias":"multi-factor-authentication","description":" Multi-factor authentication (MFA) is an authentication method in which a computer user is granted access only after successfully presenting two or more pieces of evidence (or factors) to an authentication mechanism: knowledge (something the user and only the user knows), possession (something the user and only the user has), and inherence (something the user and only the user is).\r\nTwo-factor authentication (also known as 2FA) is a type, or subset, of multi-factor authentication. It is a method of confirming users' claimed identities by using a combination of two different factors: 1) something they know, 2) something they have, or 3) something they are.\r\nA good example of two-factor authentication is the withdrawing of money from an ATM; only the correct combination of a bank card (something the user possesses) and a PIN (something the user knows) allows the transaction to be carried out.\r\nTwo other examples are to supplement a user-controlled password with a one-time password (OTP) or code generated or received by an authenticator (e.g. a security token or smartphone) that only the user possesses.\r\nTwo-step verification or two-step authentication is a method of confirming a user's claimed identity by utilizing something they know (password) and a second factor other than something they have or something they are. An example of a second step is the user repeating back something that was sent to them through an out-of-band mechanism. 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New technology and hacking techniques combined with the limited pool of passwords most people use for multiple accounts increases vulnerability.\r\n<span style=\"font-weight: bold;\">How does MFA work?</span>\r\nMulti-factor authentication throws a few roadblocks in the hacker's pathway. Location factors are one way for a security system to identify a person's identity. For example, work schedules and location can determine whether a user is who he says he is. Time is another example of a security layer. If a person uses his phone at a job in the US, it is physically impossible for him to use it again from Europe 15 minutes later. 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Changes related to device connectivity, operating system, device ID and others are instantly identified and used to prevent unauthorized devices. \r\n<b>Use behavior and risk analytics</b>\r\nBy applying machine learning algorithms to user behavior analysis and device data, Status Identity creates organizational insight that is unavailable through SIEM tools or Access Governance Platforms. Not only does this approach allow for continuous authentication, it works passively in the background to provide a truly frictionless solution. \r\n<b>Open API</b>\r\nOur flexible APIs can be embedded into existing enterprise access controls to enhance organizational insight and strengthen remediation. With robust reporting capabilities Status Identity’s solution augments SOC resources by automatically stitching hundreds of anomalies observed across multiple entities, users, devices and applications. This allows organizations to implement a holistic and cohesive security strategy. \r\n<b>Benefits:</b>\r\n<ul> <li>Powerful insights with machine learning and behavioral biometrics</li> <li>A truly friction-less user experience</li> <li>Open API for enterprise integrations</li> </ul>","shortDescription":"Authenticate Autonomously. Preserve Privacy\r\n","type":null,"isRoiCalculatorAvaliable":false,"isConfiguratorAvaliable":false,"bonus":100,"usingCount":0,"sellingCount":0,"discontinued":0,"rebateForPoc":0,"rebate":0,"seo":{"title":"Status Identity","keywords":"","description":"<b>Device insight</b>\r\nStatus Identity leverages the array of sensors within mobile devices, along with application logs to authoritatively identify devices. 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Rather than trying to find where the outsider entered, UEBAs allow for quicker detection by using algorithms to detect insider threats.&quot;\r\nParticularly in the computer security market, there are many vendors for UEBA applications. They can be &quot;differentiated by whether they are designed to monitor on-premises or cloud-based software as a service (SaaS) applications; the methods in which they obtain the source data; the type of analytics they use (i.e., packaged analytics, user-driven or vendor-written), and the service delivery method (i.e., on-premises or a cloud-based).&quot; According to the 2015 market guide released by Gartner, &quot;the UEBA market grew substantially in 2015; UEBA vendors grew their customer base, market consolidation began, and Gartner client interest in UEBA and security analytics increased.&quot; The report further projected, &quot;Over the next three years, leading UEBA platforms will become preferred systems for security operations and investigations at some of the organizations they serve. It will be—and in some cases already is—much easier to discover some security events and analyze individual offenders in UEBA than it is in many legacy security monitoring systems.&quot;","materialsDescription":"<span style=\"font-weight: bold;\">What is UEBA?</span>\r\nHackers can break into firewalls, send you e-mails with malicious and infected attachments, or even bribe an employee to gain access into your firewalls. Old tools and systems are quickly becoming obsolete, and there are several ways to get past them.\r\nUser and entity behavior analytics (UEBA) give you more comprehensive way of making sure that your organization has top-notch IT security, while also helping you detect users and entities that might compromise your entire system.\r\nUEBA is a type of cybersecurity process that takes note of the normal conduct of users. In turn, they detect any anomalous behavior or instances when there are deviations from these “normal” patterns. For example, if a particular user regularly downloads 10 MB of files every day but suddenly downloads gigabytes of files, the system would be able to detect this anomaly and alert them immediately.\r\nUEBA uses machine learning, algorithms, and statistical analyses to know when there is a deviation from established patterns, showing which of these anomalies could result in, potentially, a real threat. UEBA can also aggregate the data you have in your reports and logs, as well as analyze the file, flow, and packet information.\r\nIn UEBA, you do not track security events or monitor devices; instead, you track all the users and entities in your system. As such, UEBA focuses on insider threats, such as employees who have gone rogue, employees who have already been compromised, and people who already have access to your system and then carry out targeted attacks and fraud attempts, as well as servers, applications, and devices that are working within your system.\r\n<span style=\"font-weight: bold;\">What are the benefits of UEBA?</span>\r\nIt is the unfortunate truth that today's cybersecurity tools are fast becoming obsolete, and more skilled hackers and cyber attackers are now able to bypass the perimeter defenses that are used by most companies. In the old days, you were secure if you had web gateways, firewalls, and intrusion prevention tools in place. This is no longer the case in today’s complex threat landscape, and it’s especially true for bigger corporations that are proven to have very porous IT perimeters that are also very difficult to manage and oversee.\r\nThe bottom line? Preventive measures are no longer enough. Your firewalls are not going to be 100% foolproof, and hackers and attackers will get into your system at one point or another. This is why detection is equally important: when hackers do successfully get into your system, you should be able to detect their presence quickly in order to minimize the damage.\r\n<span style=\"font-weight: bold;\">How Does UEBA Work?</span>\r\nThe premise of UEBA is actually very simple. You can easily steal an employee’s user name and password, but it is much harder to mimic the person’s normal behavior once inside the network.\r\nFor example, let’s say you steal Jane Doe’s password and user name. You would still not be able to act precisely like Jane Doe once in the system unless given extensive research and preparation. Therefore, when Jane Doe’s user name is logged in to the system, and her behavior is different than that of typical Jane Doe, that is when UEBA alerts start to sound.\r\nAnother relatable analogy would be if your credit card was stolen. A thief can pickpocket your wallet and go to a high-end shop and start spending thousands of dollars using your credit card. If your spending pattern on that card is different from the thief’s, the company’s fraud detection department will often recognize the abnormal spending and block suspicious purchases, issuing an alert to you or asking you to verify the authenticity of a transaction.\r\nAs such, UEBA is a very important component of IT security, allowing you to:\r\n1. Detect insider threats. It is not too far-fetched to imagine that an employee, or perhaps a group of employees, could go rogue, stealing data and information by using their own access. UEBA can help you detect data breaches, sabotage, privilege abuse and policy violations made by your own staff.\r\n2. Detect compromised accounts. Sometimes, user accounts are compromised. It could be that the user unwittingly installed malware on his or her machine, or sometimes a legitimate account is spoofed. UEBA can help you weed out spoofed and compromised users before they can do real harm.\r\n3. Detect brute-force attacks. Hackers sometimes target your cloud-based entities as well as third-party authentication systems. With UEBA, you are able to detect brute-force attempts, allowing you to block access to these entities.\r\n4. Detect changes in permissions and the creation of super users. Some attacks involve the use of super users. UEBA allows you to detect when super users are created, or if there are accounts that were granted unnecessary permissions.\r\n5. Detect breach of protected data. If you have protected data, it is not enough to just keep it secure. You should know when a user accesses this data when he or she does not have any legitimate business reason to access it.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_User_and_Entity_Behavior_Analytics.png"},{"id":848,"title":"Multi-factor authentication","alias":"multi-factor-authentication","description":" Multi-factor authentication (MFA) is an authentication method in which a computer user is granted access only after successfully presenting two or more pieces of evidence (or factors) to an authentication mechanism: knowledge (something the user and only the user knows), possession (something the user and only the user has), and inherence (something the user and only the user is).\r\nTwo-factor authentication (also known as 2FA) is a type, or subset, of multi-factor authentication. It is a method of confirming users' claimed identities by using a combination of two different factors: 1) something they know, 2) something they have, or 3) something they are.\r\nA good example of two-factor authentication is the withdrawing of money from an ATM; only the correct combination of a bank card (something the user possesses) and a PIN (something the user knows) allows the transaction to be carried out.\r\nTwo other examples are to supplement a user-controlled password with a one-time password (OTP) or code generated or received by an authenticator (e.g. a security token or smartphone) that only the user possesses.\r\nTwo-step verification or two-step authentication is a method of confirming a user's claimed identity by utilizing something they know (password) and a second factor other than something they have or something they are. An example of a second step is the user repeating back something that was sent to them through an out-of-band mechanism. Or, the second step might be a six digit number generated by an app that is common to the user and the authentication system.","materialsDescription":" <span style=\"font-weight: bold;\">What is MFA?</span>\r\nMulti-factor authentication (MFA) combines two or more independent authentication factors. For example, suppose your website required your clients to enter something only they would know upon login (password), something they have (like a one-time smartphone authentication token provided by special software), and a biometric identifier (like a thumbprint). It is pretty hard for a mortgage cyber-attacker to have all three of those items, especially the biometric identifier.\r\n<span style=\"font-weight: bold;\">Why do I need MFA? What are the benefits?</span>\r\nPasswords are becoming increasingly easy to compromise. They can be stolen, “phished”, guessed, and hacked. New technology and hacking techniques combined with the limited pool of passwords most people use for multiple accounts increases vulnerability.\r\n<span style=\"font-weight: bold;\">How does MFA work?</span>\r\nMulti-factor authentication throws a few roadblocks in the hacker's pathway. Location factors are one way for a security system to identify a person's identity. For example, work schedules and location can determine whether a user is who he says he is. Time is another example of a security layer. If a person uses his phone at a job in the US, it is physically impossible for him to use it again from Europe 15 minutes later. 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