We examine the rising challenges posed by deepfakes, social engineering, and sophisticated fraud, highlighting gaps in IAM systems. We explore how these challenges impact critical workflows, such as password resets, help desk interactions, and sensitive transactions. Incode and Okta present a biometric-based solution that integrates seamlessly with IAM systems, offering identity proofing and real-time, device-independent authentication. This approach aims to strengthen security, improve resilience to AI-driven attacks, and reduce operational inefficiencies.