Abstract: A technique manages consumer authentication. The technique involves communicating with an institutional entity to perform an authentication operation regarding a consumer. The technique further involves conveying a query to the consumer in response to the authentication operation. The query prompts the consumer to indicate whether the consumer participated in the authentication operation. The technique further involves obtaining a response to the query indicating whether the consumer participated in the authentication operation. The authentication operation is legitimate when the response indicates that the consumer participated in the authentication operation. The authentication operation is fraudulent when the response indicates that the consumer did not participate in the authentication operation. In some arrangements, the authentication operation involves knowledge-based authentication (KBA) activity.

Abstract: A method is used in authenticating using organization based information. Organization based information is analyzed for information that is suitable for use in authenticating a user. The organization based information includes employee-used information. A question is derived from the organization based information. Based on the question, a process used to authenticate a user is executed.