Two-Step Verification (2SV) is a security feature that strengthens online and mobile banking security by using 2SV during high-risk activities. It uses a risk engine to assess user activities, establishing typical member usage patterns by device, location and other habits and making it easier for fraudulent behaviors to stand out. When a new login location or device is used, or suspicious interaction is determined, the member may be prompted to enter their one-time password sent through SMS text or email.