Senior Specialist, Open Banking Mortgage Solutions

Mastercard Inc.; Holladay (UT); On-site; USD 104,000 - 177,000; Full time

Benefits offered by this job

Health insurance

401k match

Paid time off

Tuition reimbursement

Job summary

Mastercard in Salt Lake City, UT seeks a Senior Specialist for Open Banking Mortgage Solutions. You will bridge mortgage origination, data verification, and product delivery across business, technical, and client success teams to shape the future of verified consumer data in mortgage lending.

This role demands mortgage industry expertise, strong analytical and communication skills, and experience with mortgage technology platforms. You will drive enhancements and client implementations.

Qualifications

• Bachelor's degree or equivalent experience in business, information systems, or finance.
• Professional experience in Business Analysis, Systems Analysis, Product Analysis, Product Operations, Mortgage Technology or Mortgage Lending Operations.
• Experience with mortgage lenders, mortgage technology providers, fintechs, or financial institutions.
• Understanding of mortgage origination and underwriting workflows.
• Excellent analytical, organizational, and problem‑solving skills.
• Strong written and verbal communication across business and technical audiences.

Responsibilities

• Maintain deep knowledge of mortgage origination, underwriting, verification, and fulfillment processes.
• Gather, analyze, and document business, customer, regulatory, and platform requirements.
• Partner with Product Managers to define epics, user stories, acceptance criteria, workflows, and roadmaps.
• Support agile product development, including backlog refinement and release validation.
• Act as liaison between business, engineering, and client success to ensure successful product delivery.
• Investigate and resolve complex client issues through troubleshooting and validation.

Skills

Mortgage industry knowledge

Analytical skills

Organizational skills

Communication skills

Education

Bachelor's degree in Business, Information Systems, Finance

Tools

ICE Mortgage Technology (Encompass)

Blend

nCino Mortgage

ICE Consumer Connect

MeridianLink Mortgage

Job description

Senior Specialist, Open Banking Mortgage Solutions

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Overview Our Open Finance business enables consumers to securely share and use their financial data while helping lenders make faster, more accurate decisions with less friction. We work with mortgage lenders, technology providers, loan origination platforms, and ecosystem partners to modernize the mortgage journey through verified data and digital experiences. As mortgage lending evolves toward a more connected, API-driven ecosystem, Mastercard is helping lenders replace manual verification processes with trusted consumer-permissioned data that supports faster approvals, improved compliance, and better borrower experiences. The Mortgage Solutions Product Analyst will play a critical role in supporting Mastercard's Open Finance and mortgage verification products used across the mortgage origination ecosystem. This role is for someone who combines mortgage industry expertise, business analysis, systems analysis, and product execution capabilities. They will serve as a bridge between customers, industry platforms, product teams, engineering teams, and implementation partners to ensure Mastercard solutions continue to meet evolving market needs. Familiarity with mortgage origination workflows, mortgage technology platforms, and lender operational processes will be important. The Product Analyst will monitor industry and platform changes, support client-facing product enhancements, assist with technical remediation efforts, and help shape future innovations that expand the use of verified consumer data in mortgage lending.

Roles & Responsibilities

Mortgage Industry & Market Expertise

• Maintain deep knowledge of mortgage origination, underwriting, verification, fulfillment processes, and the technology ecosystem supporting them.
• Monitor mortgage technology providers, loan origination systems (LOS), point-of-sale (POS) platforms, GSE initiatives, industry standards, and emerging market trends to identify risks, impacts, and growth opportunities.
• Analyze how lenders leverage income, asset, employment, identity, and other verification solutions throughout the mortgage lifecycle, translating industry developments into actionable product recommendations.

Product Development & Delivery

• Gather, analyze, and document business, customer, regulatory, and platform requirements, translating them into product enhancements and technical specifications.
• Partner with Product Managers to define and maintain business requirements, epics, user stories, acceptance criteria, workflows, process maps, integration documentation, release plans, and product roadmaps.
• Support agile product development activities, including backlog refinement, sprint planning, user acceptance testing, release validation, and implementation of readiness.
• Conduct business process analysis and identify opportunities to improve operational efficiency, automation, and customer outcomes.

Customer Support & Technical Analysis

• Act as a liaison between business, technical, and operational stakeholders (Engineering, Client Success, Sales and Legal Compliance) to support successful product delivery and adoption.
• Investigate and resolve complex customer issues through troubleshooting, root‑cause analysis, remediation planning, testing, and validation activities.
• Support mortgage customers through product enhancements, platform changes, integrations, and operational transitions, ensuring a high‑quality client experience.

Innovation & Strategic Growth

• Evaluate emerging mortgage technologies, lender workflows, competitive solutions, and verification use cases to inform product strategy and roadmap priorities.
• Identify innovative opportunities to leverage consumer‑permissioned financial data to improve borrower experiences, underwriting accuracy, operational efficiency, and lending outcomes.
• Contribute market intelligence, customer insights, go‑to‑market readiness activities, training materials, operational documentation, and client communications that support successful product adoption and growth.

All About You

• Bachelor's degree in Business, Information Systems, Finance or equivalent experience in field.
• Professional experience in: Business Analysis, Systems Analysis, Product Analysis, Product Operations, Mortgage Technology and/or Mortgage Lending Operations.
• Experience working with mortgage lenders, mortgage technology providers, fintechs, or financial institutions. - POS: Blend, nCino Mortgage, ICE Consumer Connect, - LOS: ICE Mortgage Technology (Encompass), Dark Matter Empower, MeridianLink Mortgage
• Understanding of mortgage origination and underwriting workflows.
• Excellent analytical, organizational, and problem‑solving skills.
• Strong written and verbal communication skills with ability to work across both business and technical audiences.
• Ability to manage multiple initiatives and priorities simultaneously.

Nice to Have

• Experience with mortgage verification solutions, borrower‑permissioned data, Open Banking, or Open Finance.
• Familiarity with GSE initiatives, MISMO standards, and mortgage industry data standards.
• Experience writing business requirements, epics, user stories, and acceptance criteria.
• Background working in Agile environments and collaborating with engineering teams.
• Supporting customer implementations, integrations, or technical troubleshooting.
• Understanding of API‑based products and financial services integrations.
• Conducting user acceptance testing and production validation activities.

Mastercard is a merit‑based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role.

In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact [e-mail] and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: Abide by Mastercard’s security policies and practices; Ensure the confidentiality and integrity of the information being accessed; Report any suspected information security violation or breach, and Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.

In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job‑related knowledge, skills, and experience.

Pay Ranges Salt Lake City, Utah: $104,000 - $177,000 USD

Boston, Massachusetts: $120,000 - $204,000 USD

Purchase, New York: $120,000 - $204,000 USD

Mastercard benefits for full time (and certain part time) employees generally include:

• insurance (including medical, prescription drug, dental, vision, disability, life insurance)
• flexible spending account and health savings account
• paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave)
• 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro‑rated based on date of hire
• 10 annual paid U.S. observed holidays
• 401k with a best‑in‑class company match
• deferred compensation for eligible roles
• fitness reimbursement or on‑site fitness facilities
• eligibility for tuition reimbursement
• and many more

Mastercard benefits for interns generally include:

• 56 hours of Paid Sick and Safe Time
• jury duty leave
• on‑site fitness facilities in some locations

Everyone wants easier ways to pay; we invent them. Checkout lines are slow; we speed them along. Merchants want more sales; we give them data and insights. People need financial access; we connect them. Corporate purchasing is complicated; we make it simple. Commuters are busy; we speed them on their way. Governments need greater efficiencies; we help create them. Small businesses are virtual; we give them access to a world of buyers. Retailers want to fight fraud; we provide the tools.