diff --git a/axhub-tool-core/src/main/java/io/shinhanlife/axhub/biz/mcp/adapter/util/PiiMaskingUtils.java b/axhub-tool-core/src/main/java/io/shinhanlife/axhub/biz/mcp/adapter/util/PiiMaskingUtils.java
index 269ab09..ccec93d 100644
--- a/axhub-tool-core/src/main/java/io/shinhanlife/axhub/biz/mcp/adapter/util/PiiMaskingUtils.java
+++ b/axhub-tool-core/src/main/java/io/shinhanlife/axhub/biz/mcp/adapter/util/PiiMaskingUtils.java
@@ -26,7 +26,7 @@ public class PiiMaskingUtils {
     private static final Pattern PHONE_PATTERN = Pattern.compile("(01[016789])[-]?(\\d{3,4})[-]?(\\d{4})");
 
     // 3. 신한라이프 계좌/증권번호 패턴 (단순 예시용 계좌번호 11~14자리)
-    private static final Pattern ACCOUNT_PATTERN = Pattern.compile("(\\d{3}-\\d{3}-\\d{5,8})|(\\d{11,14})");
+    private static final Pattern ACCOUNT_PATTERN = Pattern.compile("(\\d{3})-?(\\d{3})-?(\\d{5,8})");
 
     public static String mask(String input) {
         if (input == null || input.isEmpty()) {