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We present a state-of-the-art bi-modal authentication system for mobile environments, using session variability modelling. We examine inter-session variability modelling (ISV) and joint factor analysis (JFA) for both face and speaker authentication and evaluate our system on the largest bi-modal mobile authentication database available, the MOBIO database, with over 61 hours of audio-visual data captured by 150 people in uncontrolled environments on a mobile phone. Our system achieves 2.6% and 9.7% half total error rate for male and female trials respectively - relative improvements of 78% and 27% compared to previous results.