var umsEndpoint = (from endpoint in endpoints where endpoint.Address.ToString().Contains("cert") select endpoint).First();      

      umsChannelFactory = new ChannelFactory<IUserManagementService>(umsEndpoint.Binding, umsEndpoint.Address);
      umsChannelFactory.Credentials.SupportInteractive = false;

      var store = new X509Store(StoreName.My, StoreLocation.LocalMachine);
      store.Open(OpenFlags.ReadOnly);
      var filteredCerts = store.Certificates.Find(X509FindType.FindBySerialNumber, ConfigurationManager.AppSettings["umsCertSN"].Replace(" ", ""), false);
      if (filteredCerts.Count == 0) throw new ArgumentException();
      var selectedCert = filteredCerts[0];      
      umsChannelFactory.Credentials.ClientCertificate.Certificate = selectedCert;
      umsChannelFactory.Credentials.Windows.AllowedImpersonationLevel = System.Security.Principal.TokenImpersonationLevel.Impersonation;

      umsChannelFactory.Credentials.ServiceCertificate.Authentication.TrustedStoreLocation = StoreLocation.LocalMachine;
      umsChannelFactory.Credentials.ServiceCertificate.Authentication.RevocationMode = X509RevocationMode.NoCheck;
      umsChannelFactory.Credentials.ServiceCertificate.Authentication.CertificateValidationMode = X509CertificateValidationMode.None;

      umsChannelFactory.Open();

      var channel = umsChannelFactory.CreateChannel();
      var user = channel.GetUser(UserManagementService.IdentifierType.PhoneNumber, "");

Exception rethrown at [0]: 
   в System.Runtime.Remoting.Proxies.RealProxy.HandleReturnMessage(IMessage reqMsg, IMessage retMsg)
   в System.Runtime.Remoting.Proxies.RealProxy.PrivateInvoke(MessageData& msgData, Int32 type)
   в CryptoPro.DSS.Common.UserManagementService.IUserManagementService.GetUser(IdentifierType type, String identifierValue)

Server stack trace: 
   в System.ServiceModel.Channels.HttpChannelUtilities.ValidateAuthentication(HttpWebRequest request, HttpWebResponse response, WebException responseException, HttpChannelFactory`1 factory)
   в System.ServiceModel.Channels.HttpChannelUtilities.ValidateRequestReplyResponse(HttpWebRequest request, HttpWebResponse response, HttpChannelFactory`1 factory, WebException responseException, ChannelBinding channelBinding)
   в System.ServiceModel.Channels.HttpChannelFactory`1.HttpRequestChannel.HttpChannelRequest.WaitForReply(TimeSpan timeout)
   в System.ServiceModel.Channels.RequestChannel.Request(Message message, TimeSpan timeout)
   в System.ServiceModel.Dispatcher.RequestChannelBinder.Request(Message message, TimeSpan timeout)
   в System.ServiceModel.Channels.ServiceChannel.Call(String action, Boolean oneway, ProxyOperationRuntime operation, Object[] ins, Object[] outs, TimeSpan timeout)
   в System.ServiceModel.Channels.ServiceChannelProxy.InvokeService(IMethodCallMessage methodCall, ProxyOperationRuntime operation)
   в System.ServiceModel.Channels.ServiceChannelProxy.Invoke(IMessage message)