you need to look at what controls you would put in place for the consumer account. since not all consumer accounts are join accounts, how would you have dual control - which is a requirement in my opinion for online wire origination. can you enforce upon the customer the use of tokens, PINs, require them to have a specific version of IE/Chrome/Safari, have them install a mitigating software such as Trusteer?
because you can with a business and they are fine doing it.
I'm with PQ, no online wire functionality for consumers, at least not at this point.
_________________________
Providing alternative truths since the invention of time