What process is utilized by Susan's financial services company to verify user identity through past data?

The process utilized to verify user identity through past data is best described as identity proofing. This involves confirming that a person's claims about their identity match their historical data or credentials. Identity proofing typically requires the use of personal information or documents that the individual has provided in the past, such as Social Security numbers, bank account information, or government-issued IDs.

In a financial services context, this is critical for ensuring compliance with regulations and preventing fraud. It allows organizations to establish that individuals who are accessing accounts or performing transactions are indeed who they claim to be based on historical records.

While identity authentication refers to the process of verifying that someone is who they claim to be (often through passwords, biometrics, etc.), identity verification focuses on confirming identity using specific data points or identifiers. Identity management encompasses the overall processes and technologies pertaining to how an organization handles user identities and access, but it does not specifically refer to the act of validating a user's identity through the use of past data, which is what identity proofing specifically addresses.