Michael Toth joined U.S. Bank in 2022 as the Authentication Platform Leader and is currently the Interim Leader for the Authentication, Identity and KYC platform. He is the sitting board member for U.S. Bank on the FIDO Alliance. His 28-year career has been spent driving innovative and practical security strategies which address current and emerging threats. In this time, he has implemented large scale authentication solutions which are utilized by 66+mm customers. He is an innovator and thought leader demonstrated by his co-signature of numerous patents in online security and authentication.

Before U.S. Bank he held an SVP position as the Strategy Lead for the Omni Channel Authentication platform technology team. The authentication platform served multi-lines of business and channels (digital, contact center, financial center, IVR). He was responsible for their multi-year roadmaps and was point person to their partners in Digital, Fraud, and the InfoSec teams.

Additionally, Michael spent time at both Early Warning as their VP of Product Management in Authentication and on the 41st Parameter’s Product Management team focusing on their financial services sector. He started his career at First Union in the beginning days of online banking…or as they called it back in the 90s; Cyberbanking. After the Wachovia merger he went onto lead the Authentication Services product team. There he developed the first multi-layered Online Security and Fraud strategy for consumer banking which addressed the FFIEC Guidance on the Authentication in an Internet Banking Environment.