Equifax
Credit reporting data analytics and risk
AI Engineer
More locations: Alpharetta, GA, USA
About the job
- A Bachelor's degree or equivalent experience.
- At least 7 years of software engineering experience with a strong track record of technical leadership and shipping complex, scalable systems.
- Experience in a dedicated artificial intelligence and machine learning role, including hands-on model integration, MLOps, and applying artificial intelligence to business problems.
- Direct experience architecting and building solutions with LangChain, LangGraph, or similar agentic artificial intelligence frameworks.
- In-depth experience with Google Cloud Platform, specifically its artificial intelligence and machine learning services such as Vertex AI.
- At least 3 years of experience leveraging Kubernetes workloads.
- Proficiency in Python, JavaScript/TypeScript, and/or Java, plus working knowledge of a modern front-end framework such as Angular, React, or Vue.
- Hands-on experience with LLM observability tools such as Langfuse for monitoring and debugging agentic workflows.
- Extensive hands-on experience with at least one major cloud provider: AWS, Google Cloud, or Azure.
- Mastery of Docker for containerizing applications and Kubernetes for orchestration.
- Proficiency with infrastructure-as-code tools such as Terraform or CloudFormation.
- Experience with continuous integration and continuous delivery tools such as GitHub Actions, Argo CD, or Jenkins.
- Strong experience with SQL databases such as Spanner, AlloyDB, PostgreSQL, or MySQL and NoSQL databases such as MongoDB, DynamoDB, or Firestore.
- Design, build, and deploy complex artificial intelligence agents using LangChain and LangGraph for automated decision-making within the claims lifecycle.
- Design, test, and refine complex prompts and contextual data frameworks to improve artificial intelligence agent accuracy, efficiency, and reliability.
- Identify, prototype, and integrate foundational models, retrieval-augmented generation techniques, and agentic frameworks for business challenges.
- Engineer and operate artificial intelligence systems at production scale on Google Cloud Platform.
- Establish and lead reliability, versioning, monitoring, and observability practices for agentic systems using tools such as Langfuse.
- Partner with product leaders, data scientists, and engineers to translate business needs into technical solutions.
- Use artificial-intelligence code-assistance tools such as Gemini code assists, GitHub Copilot, and Claude Code to accelerate development, generate documentation, improve code quality and testing, and enhance monitoring and observability.
- Build, manage, and mentor a cross-functional team of software, quality, and reliability engineers.
- Define and report engineering metrics including SLA, SLO, and SLI, and ensure compliance with security, quality, DevSecOps, and FinOps practices.
- Collaborate with product managers, architects, site reliability engineers, and business partners to define technical strategy, create software roadmaps, and make architectural and design decisions.
- Lead troubleshooting efforts to resolve production and customer issues.
- Participate in and lead agile activities including sprint planning and retrospectives.
- Optimize and create efficient solutions using a data- and metrics-driven approach.
- Maintain technical documentation, including support documentation, end-user documentation, and runbooks.
- Create and deliver technical presentations to technical and non-technical stakeholders.
- Strong expertise in generative artificial intelligence, including hands-on experience with models such as Gemini, ChatGPT, Claude, or Llama.
- Experience using modern development tools and artificial-intelligence-powered code assistants such as GitHub Copilot to accelerate development and ship features.
- Experience creating and deploying artificial intelligence agents to production environments.
- Experience tackling ambiguous, complex technical challenges and architecting effective solutions.
About the company
Equifax is a global data, analytics, and technology company that provides credit information and related services to businesses, governments, and consumers. It collects and analyzes large amounts of data to generate insights used for credit reporting, risk management, fraud detection, and identity verification. The company uses its Equifax Cloud to combine data with advanced analytics and machine learning, delivering credit reports, risk assessments, and global market insights to help clients make smarter decisions and improve customer experiences. Compared with competitors, Equifax emphasizes its large, differentiated data assets and integrated analytics platform to offer comprehensive, end-to-end solutions for credit and risk management. Its goal is to help clients assess credit risk, detect fraud, and explore opportunities more confidently in a changing financial landscape.
Company Size
10,001+
Company Stage
IPO
Headquarters
Atlanta, Georgia
Founded
1899
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Simplify's Take
What believers are saying
- Q2 2026 revenue rose 11% to $1.7 billion, led by mortgage and Workforce Solutions.
- Equifax raised 2026 guidance and expects over $1 billion free cash flow.
- July 2026 contract wins added about $300 million in annual government contract value.
What critics are saying
- FHFA’s September 9, 2026 VantageScore expansion weakens Equifax’s mortgage scoring grip.
- Bill Pulte’s September 2026 bi-merge threat targets Equifax’s tri-merge revenue pool.
- A bi-merge mandate would crush mortgage bureau economics and permanently reset Equifax’s pricing power.
What makes Equifax unique
- The Work Number gives Equifax unmatched U.S. employment and income verification depth.
- Equifax Cloud integrates consumer, employer, and government data across 24 countries.
- Mortgage lenders still depend on Equifax’s tri-merge data and FICO-score workflows.
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Benefits
Health Insurance
401(k) Company Match
Paid Vacation
Hybrid Work Options
Discounted Gym Memberships
Employee Stock Purchase Plan
Mental Health Support
Growth & Insights and Company News
6 month growth
↑ 6%1 year growth
↑ 6%2 year growth
↑ 6%Equifax Inc. has outperformed the Dow Jones Industrial Average over the past three months, rising 5.2% compared to the index's 2.4% gain. The Atlanta-based credit bureau, one of the "Big Three", has a market capitalisation of $20.24 billion. However, the stock has underperformed over longer periods, falling 32.8% over the past year and 20.6% year-to-date, whilst the Dow rose 14.4% and 9.1% respectively. Equifax faces regulatory pressure after Federal Housing Finance Agency director Bill Pulte accused credit agencies of overcharging Americans. Officials are considering moving to bi-merge credit reporting, which would allow mortgage lenders to use only two bureaus instead of three. In Q2, Equifax's revenue increased 11% year-over-year to $1.70 billion. The company has doubled its AI-driven cost-reduction target to $150 million for 2026-2028.
Mortgage lenders weigh AI, alternative data and credit models. MISMO panelists cited rental and cash flow data, plus AI rules that may affect licensing and compliance Article Summary. Credit scoring and bureau executives said expanded data can improve risk assessment, especially for borrowers with thin files or nontraditional income. They cautioned lenders to validate AI and alternative data within workflows, regulations and capital markets requirements. AI Summary Mortgage lenders have been hurtling toward a new credit scoring regime centered on FICO 10T, VantageScore 4.0 and a broader array of borrower data. But even as they push to modernize, digitally transform and become more efficient, they're grappling with how far to go with it. That question served as the axis of tension during a Credit Super Session on Tuesday at the Mortgage Industry Standards Maintenance Organization (MISMO)'s Fall Summit, where executives from FICO, VantageScore, Experian, Equifax and TransUnion teamed up on an hour-long discussion moderated by HousingWire CEO Clayton Collins. Collins kicked off the conversation with three questions: Can we use more data? May we? And should we? Membership Full access Billed annually Membership includes: * | Unlimited access to HousingWire reporting and analysis * | Access to HousingWire Intelligence * | Member-only newsletter * | Event perks Free account Limited access * | Read 2 subscriber-only articles each month
Equifax shares rose 5.7% following the company's announcement of a quarterly dividend of $0.56 per share. The dividend will be paid on 15 September 2026 to shareholders of record as of 31 August 2026. The credit reporting giant highlighted its long history of shareholder returns, having paid cash dividends for more than 100 consecutive years. The announcement signals corporate confidence and drove renewed investor demand for the stock. Equifax shares closed at $192.12. The company's stock remains down 10.2% year-to-date and is trading 26.8% below its 52-week high of $262.33 from September 2025. The shares have shown significant volatility, with 10 moves greater than 5% over the past year.
Equifax $100M settlement marks record payout over credit score coding glitch. 0 Comments For three weeks in the spring of 2022, a hidden flaw quietly rewired the credit scores of millions of Americans - like a single misplaced digit in a massive equation, throwing off the final answer without anyone noticing at first. Now, nearly four years later, that glitch has produced a settlement so large that lawyers involved say it stands alone in the history of consumer credit litigation. The deal on the table. Equifax has agreed to pay $100 million to resolve a class action filed in Georgia federal court, closing the book on claims that a coding error caused the company to report inaccurate credit scores to lenders. Consumers behind the case filed a motion Wednesday asking the court to sign off on the agreement - the product of nearly four years of legal wrangling and two separate rounds of mediation with Equifax Information Services LLC and its parent, Equifax Inc. A record-setting figure. Class counsel didn't mince words about what this deal represents. According to the motion, the $100 million settlement is, to their knowledge, the largest resolution of a Fair Credit Reporting Act case on record - a benchmark that instantly sets this case apart from the sea of consumer data disputes that came before it. What went wrong - and when. At the center of the case sits a narrow but consequential window: March 17 to April 8, 2022. During those three weeks, a coding error inside Equifax's systems caused certain credit scores and related data points shared with third parties to drift from what accurate calculations would have produced. It's the kind of error that sounds small in isolation - three weeks, a handful of lines of code - but rippled outward to touch roughly 4 million people whose credit information reached third parties during that stretch. How the payout will work. The settlement fund carries a built-in safeguard for consumers: it's nonreversionary, meaning any money left unclaimed stays out of Equifax's hands rather than flowing back to the company. Class members who file a valid claim within 90 days of a court-approved notice date will receive a proportional cut of what's left in the fund once attorney fees, litigation costs, and administrative expenses are subtracted. A high-stakes legal gamble for both sides. This wasn't a case either side could afford to treat casually. Proving liability under the FCRA required clearing a steep bar - showing Equifax's conduct rose to the level of willful, meaning reckless, rather than simple oversight, according to the motion. Equifax, for its part, fought the case on multiple fronts. The company disputed whether the affected data even qualified as a "consumer report" under the law, and argued that standing to sue should be limited only to individuals whose data was actually accessed and relied upon by a third party - not the broader pool of everyone technically affected. Equifax also warned that statutory per-violation damages, if awarded across millions of consumers, could balloon into a figure so large it would run afoul of constitutional limits on excessive penalties. The paper trail behind the case. Getting to this point required a genuine excavation. Class counsel combed through more than 3 million pages of documents and conducted 16 depositions, and had already drafted their motion for class certification along with a supporting expert report before both sides ultimately agreed to settle instead of pressing forward to trial. The ruling that kept the case alive. The litigation cleared a critical hurdle in September 2023, when a Georgia federal judge ruled that the willful-violation claim under the FCRA could move forward. The judge found that Equifax's reliance on outdated legacy systems, paired with what were described as insufficient testing procedures, was enough to support allegations of recklessness - though a separate negligence claim in the same suit was dismissed. Equifax pushes back on wrongdoing. Despite agreeing to the payout, Equifax isn't conceding fault. A company spokesperson told Law360 on Thursday that Equifax denies violating the law and characterized the settlement as a compromise of disputed claims rather than an admission. The spokesperson added that most credit scores affected during the three-week coding issue didn't actually change, and that a substantial number of those that did move actually shifted upward. Attorneys representing the consumers did not immediately respond to requests for comment Thursday. Who's behind the case. The consumers are represented by Michael Caplan, Ashley Brown and Katherine Gamsey of Caplan Cobb LLC; Amy Keller and Justin Hawal of DiCello Levitt LLP; Eric Gibbs and David Berger of Gibbs Mura LLP; and Dena Sharp, Adam Polk and Jordan Elias of Girard Sharp LLP. Equifax's defense team includes Robert Griest, Zachary McEntyre and John Toro of King & Spalding LLP, along with Jason Carter, Mark Bailey and Joshua Thorpe of Bondurant Mixson & Elmore LLP.
Equifax has raised $1 billion through two consecutive note sales, issuing $500 million of 5.00% notes due 2029 and $500 million of 5.650% notes due 2033. Both tranches are senior unsecured, fixed-rate debt priced slightly below par. The offerings follow Equifax's repurchase of $1.49 billion of stock since April 2025. The combination of new debt and equity buybacks is expected to increase financial leverage. Analysts note that Equifax already carries a high debt level. The company, known for consumer credit reporting and data services, typically relies on bond markets to fund technology investment, acquisitions, and refinancing needs. The new notes lock in funding costs and extend the company's maturity profile at fixed coupon levels.