Identity Governance for Mortgage & Consumer Lending

Linx finds terminated users who still have access by linking HR, identity provider, and app-local accounts to one person, then flagging anyone HR marks as gone who still has a live account anywhere. This detection runs out of the box with no configuration. When it finds a gap, a workflow can deactivate the remaining accounts, open an ITSM ticket, and notify the manager automatically.

Linx verifies offboarding by re-checking every connected system after a termination and flagging any account that is still active. Plenty of offboarding automations report success without applying the change. Linx catches those silent failures and keeps a governance log linking each termination to the access that was removed.

Linx governs contractors who aren’t in the HR system by treating your identity provider and Active Directory as authoritative sources alongside HR. Contractor status can come from an AD OU, an identity provider field, or a custom attribute. Contractors then get the same owner, end date, access reviews, and offboarding as employees.

Linx handles service accounts with no owner by discovering and classifying them across cloud, SaaS, and your directory, then flagging any that aren’t tied to a human owner. It can seed classification from naming conventions you already use, like SA- prefixes, and it separates device accounts from real service accounts. When an owner leaves, a workflow reassigns ownership instead of leaving the account orphaned.

Linx does not require an in-house developer or professional services, and Linx doesn’t sell professional services at all. IAM teams of one to five people run Linx across estates of hundreds of applications. Connectors, workflows, and custom rules are configured in the product, and the AI assistant can build custom rules from a plain-language request.

Linx can replace a legacy IGA tool, including deployments that have relied on heavy customization and vendor professional services to keep running. Many teams start by connecting Linx in read-only mode alongside their current tool, then move offboarding, access reviews, and service account governance over once they trust the data.

Linx works with on-prem Active Directory through a lightweight on-prem agent that both reads from and writes back to AD. It also connects natively to Microsoft Entra ID and Okta, including hybrid environments where on-prem AD syncs to Entra.

AI-assisted access review in Linx is built for regulated environments, because every AI recommendation comes with written reasoning and a human reviewer makes the final call. Completed campaigns can’t be edited, so the proof stays auditor-ready. Reports export as PDF or Excel showing each account, entitlement, reviewer, and decision.

Linx typically deploys in weeks, not the months or years legacy IGA rollouts can take. One consumer lender’s team was pulling detailed data from a cloud platform within a couple of weeks of connecting it. Teams start in read-only mode, so nothing changes until they’re ready.