Systems and methods for bio-phonetic multi-phrase speaker identity verification are disclosed. Generally, a speaker identity verification engine generates a dynamic phrase including at least one dynamically-generated word. The speaker identity verification engine prompts a user to speak the dynamic phrase and receives a dynamic phrase utterance. The speaker identity verification engine extracts at least one voice characteristic from the dynamic phrase utterance and compares the at least one voice characteristic with a voice profile the generate a score. The speaker identity verification engine then determines whether to accept a speaker identity claim based on the score.