Abstract: Systems are provided that allow users to access resources in a manner that addresses inherent deficiencies in existing authentication systems. During a typical authentication process, the system may connect the user to one or more authenticators in real time through a variety of communications channels so that the authenticators may verify that the user is who he/she purports to be. In this way, a user may be authenticated and allowed to complete transactions that require access to protected resources/transactions. In some embodiments, the system may automatically identify authenticators for a user via an onboarding process by searching the user's electronic files, accessing social and professional networking sites, searching one or more credit reporting databases, or other such means.