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Cybersecurity: Multi-Factor Authentication | Morgan Stanley

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Cybercriminals have become more sophisticated and employ increasingly complex ways to infiltrate your accounts.

Key Takeaways Enabling Multi-Factor Authentication (MFA) is one of the simplest steps you can take to safeguard your digital life. MFA requires additional verification — beyond your username and password — to confirm your identity and protect access to your accounts. Morgan Stanley offers a variety of MFA options, such as one-time passcodes sent via SMS and compatibility with authenticator apps and security keys. As the cyber threat landscape continues to evolve, you may have been advised by some of your service providers to use Multi-Factor Authentication (MFA) to safeguard your accounts.

 

While MFA sounds complicated, the concept behind it is simple. MFA basically means using two or more ways to confirm your identity instead of relying on a single method.

 

Why is this so important? Employing multiple verification methods helps harden your defenses and keep hackers out.

 

We’ve provided some background information about MFA to help you better understand it, and hopefully feel more comfortable using it.

Wealth Management How Multi-Factor Authentication Protects You

Multi-Factor Authentication, or MFA, adds another layer that makes it that much harder for criminals to get into your accounts.

Share How MFA Evolved to Improve Security Over the years, cybercriminals have become more sophisticated and better at taking over accounts.  To counteract this, authentication methods used to identify account holders also needed to evolve.

 

Authentication started by relying on something you know to confirm your identity, such as usernames, passwords or answers to common security questions (like your mother’s maiden name or the make and model of your first car).

 

The problem with this approach? Individuals tend to reuse the same usernames, passwords or security answers for each of their accounts. So, if a cybercriminal determined this information for your email account, for example, they could use it in a domino effect to gain access to your financial, social media and other sensitive accounts.

 

Additionally, cyber breaches of major organizations exposed enormous volumes of personal information, allowing thieves to hit the data lottery. In this scenario, fraudsters have access to millions of records containing personal information, passwords, answers to your security questions, and much more.

 

As a result, many institutions concluded this “knowledge-based” authentication approach was no longer sufficient to prevent fraud. They began to include an additional verification requirement – “something you have” or physically possess – such as your smart phone or another trusted device.

 

The drawback to this method? What happens if you lose that device? Or if a security code sent to your phone was intercepted by a cybercriminal in a phone porting or SIM card swapping attack?

 

That led to the third authentication factor – “something that you are” – such as unique human features like your fingerprints, eyes, face or voice. With this biometric approach, instead of typing in your password, you just hold up your phone to scan your face.

Protecting Your Internet Security Through MFA The best approach is to use a layered strategy that requires two or more authentication methods to login to your accounts. At Morgan Stanley, we’ve invested in several forms of MFA to protect your assets and personal data:

1 Device registration Allows you to indicate which of your devices are trusted to login to your Morgan Stanley accounts.

2 Push notifications: Enables you to receive an alert on your trusted device via the Morgan Stanley Mobile App if we detect a login attempt to your accounts from another device.

3 Voice identification: Uses a voice print (like a fingerprint) to confirm your identity when you speak to a Morgan Stanley representative by phone.

4 Biometrics: Uses facial or fingerprint recognition when using our mobile app in place of a password to confirm your identity.

The Latest Advancements in MFA For even stronger account protection, we offer two advanced forms of MFA:  authenticator apps and security keys.

 

An authenticator app is a third-party application that verifies your identity when you log in to access your accounts on Morgan Stanley Online or our Mobile App. It’s a fast, simple process. When prompted to confirm your identity, you’ll open your authenticator app and retrieve a security code. You’ll then enter the code and click “Authorize” to verify your session. Authenticator apps offer added protection against SIM-swapping attacks and work even without cell service and when traveling internationally. Do your research before the selecting the authenticator app that’s right for you and then download it from your device’s app store.

 

A security key is a small device that resembles a USB thumb drive. Security keys are considered the strongest form of “something-you-have” MFA currently available to consumers.

 

The same key can safeguard your email, social media, banking and other accounts as long as those account providers are compatible. So, you won’t need a separate key for each account.

 

Using a security key for your sensitive logins will also grant you greater protection from internet scams, such as fake sites implemented by cybercriminals to steal your login information. These phony sites often look so identical to the real site that it’s difficult for unsuspecting users to notice the difference.

Keeping Your Accounts Secure When it comes to account security, there’s strength in numbers. Make sure to use a layered approach that relies on multiple ways to confirm your identity.

 

Another way to protect yourself or your loved ones’ accounts from fraud and financial scams is to add a trusted contact. A trusted contact is a person you designate to be contacted if we are unable to reach you or if there are concerns regarding your well-being or potential financial exploitation. It is important to note that a trusted contact does not have permission to access account details, make decisions or perform any actions on your behalf. This individual serves as an additional layer of defense in case issues arise.

Security Center

Learn how to protect yourself.

Learn more about cybersecurity Wealth Management Top Scams to Watch Out For Learn about the top scams and tactics fraudsters use to trick victims. Wealth Management What is a ‘Trusted Contact’ and Why Should You Have One? Establishing a trusted contact is a crucial step in safeguarding your accounts from potential fraud, ensuring there is always a reliable point of contact in unexpected situations. Wealth Management Maintain Good Cybersecurity Habits Whether it’s strengthening your passwords or treating emails from unknown senders with more caution, you can take a number of steps to help reduce the threat of identity theft, online scams, malware, fraud and more. Wealth Management Top Scams to Watch Out For Wealth Management What is a ‘Trusted Contact’ and Why Should You Have One? Wealth Management Maintain Good Cybersecurity Habits More Stories Insights to help you go further

Security Center: How to Protect Yourself Online Wealth Management Built on a Foundation of Trust Report an Online Security Concern

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This material has been prepared for informational/educational purposes only.

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