Your question is Secure Banking Authentication Flow. Take a moment with it on the right.
Talk me through your thinking if you like. When you're confident, submit your answer and I'll grade it like a real screen (7/10 or better passes).
Design a secure login and authentication flow for a banking app.
Address the Citi Mobile client, identity and access services, credential protection, MFA, device binding, session management, adaptive risk scoring, and recovery. Explain the online inference path, batch model training, latency and availability assumptions, privacy controls, evaluation, monitoring, and failure handling without weakening access for legitimate customers.
Discuss how the design handles compromised devices, credential stuffing, phishing, account recovery, model drift, training-serving skew, and degraded dependencies.
