A critical security vulnerability arises when password or email changes bypass proper verification, often leading to account takeovers and support escalations. To address this, a risk score gate should be implemented before sensitive credential modifications, using the score to determine the necessary level of step-up verification rather than as definitive proof of identity. This approach emphasizes instrumentation and auditable state machines to improve incident response and ensure legitimate users aren't unduly inconvenienced while protecting against malicious activity.
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