Margin test

Experian and Finicity are announcing a partnership that promises to transform the consumer and lender experience and bring it into the 21st century. By partnering with Finicity, we are leveraging our combined capabilities – their industry-leading 16,000 connections throughout the financial services field and Experian’s Decisioning as a Service platform, to be the first credit bureau that can digitize the loan asset and income verification steps of the underwriting process for consumers and lenders.

I’m a Senior Vice President of Sales, responsible for leading Experian Health’s teams as they assist hospitals, physicians, labs and pharmacies across the U.S. We provide technology for providers and patients to help keep the costs and payment processing component of healthcare easy and transparent. The part of my work I am most passionate about, however, is our efforts to decrease identity theft in healthcare. Medical identity theft is one of the fastest growing areas of identity fraud in the world. With everything moving online at a fast pace, health care providers may not always keep up with the protections needed with new technologies. Unfortunately, that means hackers can sometimes acquire a patient’s personal information – name, Social Security number, health insurance number – to illegally obtain medical services or devices, insurance reimbursements or prescription drugs. One of the biggest issues with this type of fraud is that it leaves its victims with little to no recourse for recovery. They often experience financial repercussions and discover that faulty information has been added to their personal medical files as a result. To address this issue, my team and I partnered with Experian’s Decision Analytics team to create a new tool that protects patients’ online portals in much the same way that banks have protected their online clients for years. Additionally, our team is the in process of launching a Universal Identity Matching solution – a unique PIN which acts like the Social Security Number for your health care information. As more health care companies begin to adopt it, this PIN will be the one thing you will need to carry with you, as it will be your unique identifier for all your health care experiences. A lot of processes in hospitals today are still manual, but I want to change that. I want to automate systems so hospital staff can focus on where they are most needed. I am proud to work at a company that’s at the forefront of solving the major problems in healthcare IT. Being able to provide technological solutions in an industry where you can directly see the benefit is both personally and professionally rewarding. Read more #ExperianStories from our colleagues around the world.

Experian donates Intelliview data to InCharge Debt Solutions to help consumers repay debt and increase their financial literacy to achieve greater success.

  I’m an Analyst for Serasa Experian’s O2C department. I first met Patricia — a fellow Experian employee — over a video call, using sign language. She had been struggling with parts of her job and wanted to learn about a new training course I was setting up through Serasa Experian’s inclusion program. You see, Patricia and I are both deaf, which can bring many challenges to our jobs. The new Excel training I’d created was aimed at helping people like us with disabilities. Patricia and I met face-to-face on the first day of training. There were 18 other students joining her, all eager to learn the formulas and tricks that would help them in their daily activities. Most of them were hearing-impaired like Patricia and I, but some were visually-impaired as well. We all sat down together to talk through the challenges we had with Excel. As I led this discussion, I used sign language for my deaf students and a “speak aloud” computer feature for those who were visually-impaired. Our goal was for everyone to learn something. We took the time to understand each participant’s unique issues with Excel and share potential solutions. Patricia shared how each week she spends hours creating a department performance report for her manager. It took a long time because she could only put the numbers in one by one. She didn’t know the formulas and functions that would speed up her process or how to depict the numbers on a chart or a graph, like her boss needed. As a group, we shared ideas of ways to make Patricia’s work more efficient. My students left the class inspired and full of new ideas they couldn’t wait to put into practice and share with their colleagues. A few weeks after the class, Patricia told me she could do her job much faster and better, giving her time to learn more sophisticated formulas to enhance her presentations. And the inspiring part was that because of the training, she had been promoted. It’s amazing to see the tangible impact my volunteer work through Experian is having for people with disabilities. I feel inspired to do more. Read more #ExperianStories from our colleagues around the world.  

I’m a Senior Director of Experian’s Decision Analytics Global Consulting Practice. That means I help banks manage their credit and fraud risk to help drive profits forward. Many of my clients are banks that need help across multiple business units, including credit cards, auto loans and mortgages. What I love about my job is how it constantly challenges me to expand my imagination of what data is capable of achieving. I’m always finding new ways to use data to keep banks’ revenue flowing, save them money, improve underwriting criteria for people seeking auto loans and help banking customers get a better rate on their mortgage. For example, I was recently approached by a major bank that needed a way to collect on delinquent credit card accounts that had previously been written off. The bank needed a way to collect on these accounts that would work within their budget and strict pricing structures while providing the maximum amount of revenue. Using data, I was able to show the bank a solution that not only improved delinquency rates on their numerous credit card accounts, but also provided a significant reduction in operational expenses. Technology has enabled us to do so much more for banks like this. I began working for Experian in the 1970s, when credit reporting was a highly manual process where clients would call us and we would read their credit report back to them over the phone. I’ve held a number of positions within the company over the years and have seen it undergo tremendous growth and change. Some things, however, never change. After having worked at Experian for 46 years, I am proud to say data still powers everything we do here. Read more #ExperianStories from our colleagues around the world.