Backend Software Engineer - Tech Lead

Equifax announces Mortgage Ultimate(TM) with adaptive automation for seamless, expansive verification coverage. New solution delivers industry-leading 95% fulfillment rate for mortgage lenders * Equifax is announcing Mortgage Ultimate(TM) with adaptive automation, seamlessly integrating automated verifications from The Work Number(R) with Network Verification Services to deliver an industry-leading 95% fulfillment rate. * Solution supports mortgage lenders with a one-stop verification workflow that offers predictable pricing and automated, flexible ordering. ATLANTA, Oct. 13, 2026 /PRNewswire/ - Equifax(R)(NYSE: EFX) is releasing Mortgage Ultimate(TM) with adaptive automation, a next-generation verification solution designed to help mortgage lenders streamline underwriting operations and loan-origination processes. By combining its full suite of verification solutions, Equifax offers lenders an industry-leading 95% fulfillment rate. By integrating automated verifications from The Work Number(R) with Network Verification Services (NVS) from Equifax, the new Mortgage Ultimate with adaptive automation solution offers a highly predictable, streamlined workflow. The Work Number provides instant verifications, while NVS adds extra coverage when needed. Together it offers an initial Verification of Income (VOI) and up to three subsequent income or employment updates over a 90-day window, from application through closing. "Mortgage lenders face the challenges of lowering origination costs and accelerating speed-to-close, while managing the fragmented landscape of single-point verification vendors," said Joel Rickman, General Manager and Senior Vice President, U.S. Mortgage and Verification Services. "Mortgage Ultimate with adaptive automation helps eliminate these friction points in the verification process through an automated verification process that offers an industry-leading 95% fulfillment rate." Mortgage Ultimate with adaptive automation offers several key benefits to help mortgage lenders streamline their verification processes and manage costs: * Market-leading coverage and turnaround times: Equifax provides a 95% fulfillment rate on initial income verification requests, with 72% of mortgage requests fulfilled instantly through The Work Number, and a total of 90% fulfilled in 48 hours or less after orders transition to NVS. * Predictable pricing: A single-cost model helps lenders easily predict their verification costs. * 90-day ordering window: Pricing includes the initial verification, and allows lenders to order up to three additional verifications of income or employment for the next 90 days, supporting the origination process from application to underwriting to closing. * Secure manual verifications: A best-in-class process for confirming employer and contact information that helps protect lenders during the income and employment verification process. * Zero-hit protection: Lenders are charged only when the initial verification order returns data. ABOUT EQUIFAX INC. At Equifax (NYSE: EFX), Equifax Inc. believe knowledge drives progress. As a global data, analytics, and technology company, Equifax Inc. play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Its unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com. SOURCE Equifax Inc. Released October 13, 2026

Equifax has launched Equifax Mortgage Score Select, a solution offering mortgage lenders and brokers greater flexibility in choosing credit scores during loan origination. The platform allows lenders to pull an Equifax mortgage credit file with a selected score or without one, and repull the file within 24 hours for just $1. The solution supports various scoring models including VantageScore 4.0, Classic FICO, and FICO Score 10T when approved. It positions lenders ahead of the Federal Housing Administration's acceptance of VantageScore 4.0 for eligible mortgage loans, effective 1 January 2027. Joel Rickman, general manager and senior vice president of US Mortgage and Verification Services at Equifax, said the tool helps lenders "achieve two key objectives: cost-effectively gaining access to more data to support lending decisions and qualifying more borrowers based on those expanded data sets.

Employment verification: why it matters and how HireRight acts as your verification partner. Learn how outsorucing U.S. employment verifications to HireRight could help reduce hiring delays and allow you to get your new hires onboard quickly and confidently. September 29, 2026 Verification of Employment (VOE) is the process of confirming the employment history provided by a candidate with their previous employers or through their authorized agent. This could be confirming start and end dates, job title, and overall validity or authenticity of employment. It is an important part of the hiring process, helping organizations confirm that candidates have the experience they claim. An employment verification check independently verifies employment details previously declared by your candidate, giving you greater confidence they have the experience you require for your role. Ultimately, it can help support better hiring decisions while also reducing employment risk. HireRight enables employers to verify employment history quickly and efficiently through a combination of automated data sources and expert researcher support. We partner with organizations to give them confidence that their employees have the employment histories they claim, with flexible options designed to meet different hiring volumes, risk profiles, and budget requirements. The risks of in-house employment verification. Having an in-house VOE process can open the door to an assortment of challenges and risks. It can be time consuming and prone to error without proper checks and balances. Also, the quality of the information received from employment sources and the time it takes to verify employment history varies based on the skills and general resourcefulness of each researcher. Additionally, our 2026 Global Benchmark Report found that 46% of North American respondents say employment verification is the area they find the most candidate discrepancies. Ultimately, the potential cost savings may not outweigh the time, labor, and risks. Some challenges of in-house VOE can include: * Delays in Hiring Speed: Teams responsible for in-house VOE must identify the correct employer contact, reach that individual successfully, obtain verification responses, and manage follow-up communications. This process can take several business days and may slow hiring timelines as well as being a significant administrate burden for hiring/on-boarding teams. * Candidate Friction: When previous employers are difficult to contact, candidates are often asked to provide pay stubs, W-2s, or other employment documentation. This introduces friction into the hiring process and can contribute to candidates dropping out of the recruitment process. * Administrative Burden: Employers need solutions that allow them to verify employment efficiently while minimizing administrative burden and maintaining a positive candidate experience. This is due to VOE including tedious administrative support if you are without the right resources. HireRight's fast, accurate employment verification. Instead of letting in-house VOE create bottlenecks in your workflow, risk candidate friction, and tying your staff down in administrative tasks, HireRight can act as your preferred employment verification partner. We offer flexible employment verification solutions to accommodate employers with different risk appetites, job types, hiring volumes, and budgets. This includes a more extensive historical verification for higher-risk roles and organizations with lower risk tolerance, as well as more targeted verification options. HireRight's fast and accurate U.S. employment verification combines automated employment verification capabilities powered by Equifax's The Work Number(R) and professional researcher support when automated verification is unavailable. This way, organizations access speed, efficiency, and confidence in employment verification outcomes. The Work Number(R) is the largest commercial U.S. source of consolidated employment information available with over 5 million contributing employers. When employment records are available through The Work Number(R), verification can occur quickly and efficiently. If the employer is not in their database, the process seamlessly transitions to HireRight researchers who will manually complete the check. With HireRight as an U.S. employment verification partner, organizations can experience automation-driven speed and comprehensive coverage backed by human expertise, ultimately reducing hiring delays and helping them to onboard quickly and confidently. Release Date: September 29, 2026 HireRight. HireRight is a leading provider of on-demand employment background checks, drug and health screening, and electronic Form I-9 and E-Verify solutions that help employers automate, manage and control background screening and related programs.