Apparatuses and methods for improved risk management

An apparatus for performing dynamic risk compliance management in establishment of an online session, the apparatus comprising:

• communications circuitry configured to receive a request to establish an authenticated online session;
• identification circuitry configured to obtain one or more first confidence factors for a first session establishment process, wherein the one or more first confidence factors are representative of a first vendor performing the first session establishment process;
• risk compliance circuitry configured to determine if the one or more first confidence factors satisfy one or more first risk thresholds;
• risk adjustment circuitry configured to
• compute a margin value corresponding to one or more numerical differences between the one or more first confidence factors and the one or more first risk thresholds, and
• cause a modification of one or more second risk thresholds representative of a second session establishment process performed by a second vendor, wherein the modification corresponds to the margin value,
• wherein the identification circuitry is further configured to obtain one or more second confidence factors for a second session establishment process, wherein the one or more second confidence factors are representative of the second vendor performing the second session establishment process,
• wherein the risk compliance circuitry is further configured to determine if the one or more second confidence factors satisfy the modified one or more second risk thresholds, and
• wherein the communications circuitry is further configured to, in an instance in which the one or more second confidence factors satisfy the modified one or more second risk thresholds, establish the authenticated online session.

A non-transitory computer-readable storage medium for using an apparatus for performing dynamic risk compliance management in establishment of an online session, the non-transitory computer-readable storage medium storing instructions that, when executed, cause the apparatus to:

• receive a request to a establish an authenticated online session;
• obtain one or more first confidence factors for a first session establishment process, wherein the one or more first confidence factors are representative of a first vendor performing the first session establishment process;
• determine if the one or more first confidence factors satisfy one or more first risk thresholds;
• compute a margin value corresponding to one or more numerical differences between the one or more first confidence factors and the one or more first risk thresholds;
• cause a modification of one or more second risk thresholds representative of a second session establishment process performed by a second vendor, wherein the modification corresponds to the margin value;
• obtain one or more second confidence factors for the second session establishment process, wherein the one or more second confidence factors are associated with the second vendor performing the second session establishment process;
• determine if the one or more second confidence factors satisfy the modified one or more second risk thresholds;
• and
• in an instance in which the one or more second confidence factors satisfy the modified one or more second risk thresholds, establish, the authenticated online session.