Glossary

Controls

What is callback verification?

Callback verification is the control of confirming a payment instruction or a bank detail change by telephoning the counterparty on a number already held on file, never a number supplied in the request itself.

Also called verbal callback · call back control · voice verification

The control only works when the number is retrieved independently. Attackers routinely include a phone number in the fraudulent request, and a callback to that number produces a confident confirmation from the attacker.

Voice cloning has weakened the assumption that a familiar voice is proof of identity. Mature processes therefore pair the callback with a shared secret, a known contact who did not originate the request, or verification of the account itself rather than the person.

Common questions

Only a number obtained independently of the request, such as one already stored in the vendor master record or published on the supplier's official site.

Partially. It still defeats email only attacks, but it should be paired with a shared secret or with verification of the account itself rather than the speaker.

Sources and further reading

Citing this entry? Cite as Coffr, LLC and link to https://coffr.com/glossary/callback-verification.

Read the longer research behind this in Blog, or browse the full glossary.