A multi-factor authentication solution implements a recognizable voice in conjunction with a user address to increase login security and reduce user inconvenience. A user creates an online account, providing an address such as a telephone number or email address to which voice messages may be sent. The user selects a recognizable voice such as the user's own voice or the voice of a famous or well-known figure. When the user attempts to login to the online account, a random passphrase is generated and converted to a voice message employing the user's pre-selected voice and the voice message is sent to the user's address. The user listens to the voice message and if the user recognizes the voice rendering the passphrase the user's login request is granted.