10 Million People Are About to Refinance. Is Your HR Team Ready?

Recorded live from the SHRM Conference 2026 in Orlando, FL, Joey sits down with Troy Hupp, Director of Product Management at Experian Employer Services, to unpack one of the most overlooked corners of the HR world: employment verifications.

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While no one gets promoted for nailing a verification, a botched one can quietly damage HR's reputation — from the CMO trying to close on a house to the intern applying for government benefits. Troy and Joey explore why verifications matter at every level of the organization, common misconceptions HR leaders hold, and how outsourcing the process can simultaneously reduce fraud risk and improve the employee experience.

What we cover:

- Why verification matters — How a smooth (or botched) verification follows employees through the biggest moments of their lives: buying a home, securing a loan, accessing government benefits.

- Common misconceptions — Why treating verification as a mere administrative task is a mistake, and the case for giving employees transparency and proactive access to their own data.

- Experian's approach — How a "set it and forget it" model takes the workload off HR while giving employees self-service tools and accessibility.

- Fraud & security — The rise of aggressive robo-calls and phishing attempts targeting employment data, and how a centralized verification partner acts as a critical security barrier.

- AI in verification — How Experian is using AI behind the scenes for data quality checks, efficiency gains, and faster processing — all while keeping PII protected with strict guardrails.

- Market trends & the "refi bubble" — Why 10+ million people are sitting on the sidelines waiting to refinance, and what HR teams should do now to prepare for the coming "avalanche of verifications."

- Closing advice — Troy's practical takeaway: do an internal audit of your verification process across all locations before the surge hits.

Guest: Troy Hupp, Director of Product Management, Experian Employer Services — https://www.linkedin.com/in/troyhupp/

*Like and subscribe wherever you get your podcasts. To learn more about Experian Employer Services, visit their website or connect with Troy on LinkedIn.*