DORA and operational resilience: Credential management as a financial risk control

This article explains how stolen credentials are a dominant initial access vector for financial-sector breaches, outlines DORA Article 9 requirements for strong authentication and least-privilege access, cites high-impact examples (a 1.2M-account registry breach and the Snowflake/Santander incident), and recommends controls—phishing-resistant MFA, JIT least-privilege, vaulting of credentials, and continuous monitoring—to meet regulatory and operational resilience obligations.