A system and method includes a service provider registering a plurality of profile IDs with a central authority and providing the profile IDs to an institution where the profile IDs are utilized by the institution for authentication of individual users, authorized to act on behalf of the institution. Each profile ID corresponds to an authentication template for the respective user, and the authentication templates are stored by the central authority. A first user transmits an electronic communication, first authentication information, and an indication of a first profile ID, which is received by the service provider. The service provider then receives the first authentication template from the central authority, which may be requested. The first authentication information is then matched to the first authentication template, and additional actions can be taken with respect to the communication after successful matching.