Add video call verification for high-risk identity scenarios — deepfakes can pass audio-only checks

AI voice cloning passes telephone and audio-only verification. Deepfake video is advancing rapidly and can fool video calls under certain conditions. For the highest-risk identity scenarios — executive approval for large wire transfers, contractor onboarding with system access, MFA reset for privileged accounts — require a video call where the individual physically holds a company-issued badge next to their face. Current deepfake video technology struggles to render highly specific, real-time items accurately. Combine with a live action challenge: ask the person to perform a specific physical action (show a specific finger count, write a code word on paper) that a pre-recorded deepfake cannot anticipate.