Articles by Pat
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Orchestrating the Right Technologies to Stop Fraud in Housing
Orchestrating the Right Technologies to Stop Fraud in Housing
Since the pandemic, interest rates and housing supply issues have dominated the conversation around housing in America.…
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Proof Points. Week of October 14, 2024.
Proof Points. Week of October 14, 2024.
At Proof (formerly Notarize), we describe ourselves as a product and policy led company. Key developments occur every…
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Proof Points. Week of October 7, 2024.
Proof Points. Week of October 7, 2024.
At Proof (formerly Notarize), we describe ourselves as a product and policy led company. Key developments occur every…
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Addressing the Rising Threat of AI Impersonation in the Retirement Industry
Addressing the Rising Threat of AI Impersonation in the Retirement Industry
Saving for retirement is a cornerstone of financial stability in the United States, providing a safety net for…
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Proof Points. Week of September 23, 2024.
Proof Points. Week of September 23, 2024.
At Proof (formerly Notarize), we describe ourselves as a product and policy led company. Key developments occur every…
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Proof Points. Week of September 16, 2024.
Proof Points. Week of September 16, 2024.
At Proof (formerly Notarize) , we describe ourselves as a product and policy led company. Key developments occur every…
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Growing Trends in AI Impersonation Call for a More Defensive Posture
Growing Trends in AI Impersonation Call for a More Defensive Posture
Fraud has always been a part of life, amplified when we established the post office, connected the first telephone…
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Activity
6K followers
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Pat Kinsel shared thisImagine your elderly parent wakes up one day to learn that someone has stolen their identity and taken a loan against their home. This is happening. We must end it.Pat Kinsel shared thisA recent $17.4 million mortgage fraud case in Los Angeles proves the human eye test is a massive vulnerability. Fraudsters are using synthetic identities to insert themselves directly into real estate transactions. Is your agency still relying on guesswork? Read our latest blog to see exactly how these schemes work, and how Proof secures your closings with cryptographic certainty 👇The $17 Million Infiltration: How Modern Fraudsters Exploit the Mechanics of Real EstateThe $17 Million Infiltration: How Modern Fraudsters Exploit the Mechanics of Real Estate
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Pat Kinsel shared thisPsyched to have Daniel Buchner join us here at Proof. I've followed Daniel for years, first finding him via an awesome white paper and project he published while at Block. There is such an incredible opportunity for the identity and digital asset / crypto industries to align and Daniel has been a leader here for many years. Identity is at the heart of everything we do. Privacy is a foundational principle in society. So too is ownership and control of our voice. You may think these are at odds, but Proof is about to go on a run to showcase what our platform is capable of. Let's do this, Daniel.Pat Kinsel shared thisExcited to be starting a new position at Proof as Director for Digital Assets. I will be focused on the development and productization of identity and security integrations in the digital assets ecosystem, along with exploratory development in emerging technology areas, like AI, where new applications of identity are sorely needed.
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Pat Kinsel reposted thisPat Kinsel reposted thisIn Treasury's recently released report to Congress required under the GENIUS Act, they commit to issuing guidance on verifiable digital credentials for customer identification programs. This is a meaningful step. What verifiable credentials unlock: cryptographic assurance that reduces fraud, protects privacy, and cuts friction. For consumers, that means an end to uploading the same documents at every institution and real control over when and how their personal data is shared. Proud to have Proof contributing to this conversation through our comments and ongoing work with Kantara Initiative, IDEMIA Public Security, and Persona. Digital Identity section starts page 17. Check it out ⬇️ https://lnkd.in/esAe9ZsG
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Pat Kinsel reposted thisPat Kinsel reposted thisMost financial institutions think identity risk starts at login. Regulators are starting to say otherwise. A recent New York cybersecurity rule update is signaling a bigger shift. It’s not just about stronger MFA. It’s about being able to prove who actually authorized a high-risk action, and defend that decision after the fact. That has real implications for account recovery, privilege changes, and transaction approvals. In a lot of environments, those are still the weakest links. We broke down what’s changing and what it means for identity architecture going forward 👇23 NYCRR Part 500 Is a Regulatory Shift from Authentication to Attribution23 NYCRR Part 500 Is a Regulatory Shift from Authentication to Attribution
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Pat Kinsel shared thisCrazy to consider that Proof we will soon pas $1 trillion in real estate closings.Pat Kinsel shared this$643B in real estate transactions secured. $151B in 2025 alone. What that reflects is a real shift. More closings are happening online, and more teams are treating identity as part of the transaction itself, not something checked once and forgotten. We’re glad to work alongside teams like United Wholesale Mortgage and First American who are putting that into practice every day, making it possible to move faster while knowing exactly who is on the other side of the transaction.Proof surpasses $640 billion in real estate transactionsProof surpasses $640 billion in real estate transactions
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Pat Kinsel shared thisIf you saw Friday's Executive Order, it's a HUGE win for digital real estate closings. And, personally, it's incredibly validating to see them call for something I / we've dedicated 11 years of our lives championing. The administration rightly calls out digital closes as better, faster, safer. Category creation is exhausting, but can be so rewarding. Cheers to Proof and all of our partners. https://lnkd.in/e2Xt4cTEThe President’s Executive Order Is a Win for Digital ClosingsThe President’s Executive Order Is a Win for Digital Closings
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Pat Kinsel reposted thisPat Kinsel reposted thisI’m excited to share another important milestone in IDEMIA Public Security's mission to build a safer, more trusted digital world with our strategic partnership with Proof to create one of the first interoperable, privacy-preserving digital identity frameworks capable of spanning both physical and digital ecosystems. By bringing together IDEMIA’s trusted biometric and identity infrastructure with Proof’s cryptographic authentication network, we are enabling verifiable digital credentials that are reusable, regulator-ready, and fully user-controlled. This is a major step toward a world where people can authenticate and authorize securely without sacrificing privacy or control over their personal information. Many thanks to the teams at IDEMIA Public Security and Proof who are working to make this vision a reality. I encourage you to learn more about this partnership: https://bit.ly/4bpebbN #Biometrics #Partnership #Identity #DigitalID
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Pat Kinsel reposted thisPat Kinsel reposted thisFraud teams are being asked a harder question. Not just whether something looked risky, but whether you can prove who approved the transaction. We’ll be on the floor at #MRCVegas talking about how authentication and identity signals are evolving across digital transactions. If you're attending, come find us and join the conversation! 📍 Booth #25 at #MRCVegas Grab 1-1 time with us onsite: https://hubs.la/Q044rDfs0
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Pat Kinsel liked thisWhat a start to 2026! United Wholesale Mortgage had $44.9 billion in loan origination volume, up 39% year-over-year and our second-highest first quarter ever. This kind of performance comes from doing the work every single day. Our team and broker partners showed up, executed at the highest level and used the best technology in the business to win more loans, more efficiently. I'm so proud of what we accomplished together, and I'm even more excited about what's ahead. To our brokers: thank you for trusting us as your partner. You are the reason we keep raising the bar. Here's to keeping the momentum going.Pat Kinsel liked thisOur 1Q 2026 demonstrated continued execution and strong momentum from our team members and mortgage broker partners, proving we remain well-positioned to dominate in any market. See our full earnings results: https://bit.ly/3P6EgVF
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Pat Kinsel liked thisPat Kinsel liked thisAfter three years at MATTR, I'm closing one incredible chapter and opening another — I've joined the team at Proof! 🎉 I met Darren Louie about two years ago, just as Notarize was evolving to Proof. The vision Pat Kinsel and Darren laid out immediately resonated with me, and every time we'd catch up over the coming years, I'd come away with this nagging feeling of FOMO. Something impactful was happening at Proof, and I needed to be a part of it. After years of bothering Darren (poor guy 😅), we found a way to make it happen! To all of the friends and partners I've been fortunate to collaborate with at MATTR — THANK YOU. I'm proud of everything we accomplished together 🫶 And with Proof we're hitting the ground running in Miami for Consensus! See you on the other side.
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Pat Kinsel liked thisPat Kinsel liked thisWe're live at the NNA Conference! Let’s talk about the future of RON. 🖊️💻 Stop by Booth #21 to see the latest tools we’ve built to help you grow your business and protect against identity fraud, and don't miss our deepfake demo at 2:15! Click here to grab 1-1 time with the onsite team: https://hubs.la/Q04fgW9G0
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Pat Kinsel liked thisPat Kinsel liked thisSocure’s first-ever Identity Summit is a wrap - and it exceeded every expectation! Over 150 customers joined us in Tucson, Arizona for three days of deep collaboration, candid conversations, and forward-thinking ideas to shape the future of identity. What made this event special wasn’t just the energy - it was the substance and connection. We kicked things off with a welcome reception and quickly got to work—diving into one of the most important questions facing our industry: how do we rebuild trust in a world where identity has become a civilization-scale problem? Across the summit, a few themes stood out: 1) Identity is no longer a moment - it’s continuous. Industry leaders shared how identity must evolve from a point-in-time check to a living, compounding relationship across the entire customer lifecycle. 2) AI is reshaping fraud at scale. “Fraud 4.0” isn’t theoretical - deepfakes, synthetic identities, and automated attacks are already here, forcing all of us to rethink how we defend trust without adding friction. 3) Identity is now infrastructure. The future isn’t fragmented tools - it’s unified systems that combine identity intelligence, AI-powered defense, and real-time decisioning into one adaptive layer. We heard directly from some of the most innovative organizations in the world -- Uber, Amazon, Capital One, Coinbase, public sector leaders, and many more - sharing real-world challenges and what’s actually working today. What stood out most: this wasn’t a conference—it was a working session. The people in that room aren’t just talking about the future of identity - they’re the leaders who are building it. A huge thank you to everyone who joined us for our first Identity Summit. We’re leaving Tucson energized, aligned, and optimistic about the Future of Identity. #Identity #FraudPrevention #DigitalIdentity #AI #CustomerFirst
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Pat Kinsel liked thisPat Kinsel liked thisExcited to share that I’ve been promoted to Managing Director at JP Morgan Chase. I’ve had incredible people in my corner-champions, team members, family, and friends who supported me along the way. You know who you are, and I’m so very grateful. Looking forward to what’s ahead!
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Licenses & Certifications
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Funky dance moves
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Credential ID Gr00ve
Publications
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Unlocking a Billion Voices
Huffington Post
See publicationThe social web's rise has been breathtaking. There are now over a billion people sharing their expertise and life experiences on Facebook alone. The stats are staggering and well known, but mask how limited a view each of us has of what's being shared...
Patents
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Dynamic reranking of search results based upon source authority
Issued US US 12/752,149
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System and method for determining relevance of social content
Filed US US20130204940
A method, computer program product, and computer system for receiving, at a computing device, information associated with an entity from one or more social media sites. One or more attributes for the information associated with the entity is identified. A relevance profile associated with the one or more attributes is generated. A plurality of posts from the one or more social media sites is identified, wherein at least a portion of the plurality of posts includes at least a portion of the one…
A method, computer program product, and computer system for receiving, at a computing device, information associated with an entity from one or more social media sites. One or more attributes for the information associated with the entity is identified. A relevance profile associated with the one or more attributes is generated. A plurality of posts from the one or more social media sites is identified, wherein at least a portion of the plurality of posts includes at least a portion of the one or more attributes for the information associated with the entity. At least the portion of the plurality of posts is ordered on a display based upon, at least in part, the relevance profile associated with the one or more attributes.
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Honors & Awards
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2021 Vanguard Award
Housing Wire
The HW Vanguard Awards program recognizes C-level industry professionals and business unit leaders who have become leaders in their respective fields within housing and mortgage finance — those whose leadership is moving markets forward, each and every day.
The HW Vanguard Award recognizes leaders of businesses contributing to the growth of the housing economy and its various sectors, including lending, servicing, investments, and real estate. They come from diverse backgrounds, and may…The HW Vanguard Awards program recognizes C-level industry professionals and business unit leaders who have become leaders in their respective fields within housing and mortgage finance — those whose leadership is moving markets forward, each and every day.
The HW Vanguard Award recognizes leaders of businesses contributing to the growth of the housing economy and its various sectors, including lending, servicing, investments, and real estate. They come from diverse backgrounds, and may run established companies or start-ups, but share one common trait: an unmistakable impact on the industry at-large. -
Ernst & Young Entrepreneur of the Year - New England
Ernst & Young
Entrepreneur Of The Year is one of the preeminent competitive business awards for entrepreneurs and leaders of high-growth companies.
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Jeffrey Berman
Really don't like reposting (thanks LinkedIn algo!) so I'll probably write a separate post about this at some point. But for now... Camber Creek portfolio company Flex is expanding their industry - leading flexible rent product to move-ins. This is another step Flex is taking to add flexibility (and affordability) to non-discretionary spend. #venturecapital #multifamily #realestate #fintech #innovation
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Kashyap Kompella
Excited to launch the TPH Rural Health Transformation Lab. We’re building an open innovation platform to help design scalable healthcare solutions for rural communities, starting with Alaska. Proud to partner with Jonathan Strong, who runs Medicaid-funded care facilities in Kodiak and brings deep operational experience in rural healthcare. Our mission is to bring together innovators, clinicians, and technologists to solve real rural healthcare challenges. If solutions work in frontier environments, they can scale anywhere.
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Aaron "Checo" Pacheco
99.4% telemetry distillation. That's the latest benchmark for OtterMon AI's MVP build. But you might be surprised to hear data optimization isn't our primary focus... Our platform is designed to help customers *prevent* security incidents and business outages instead of them constantly reacting to problems. We accomplish that by sitting on top of their existing DevOps tools and analyzing their holistic digital footprint. What are they monitoring? What vendors are they using? What critical context is hiding in documentation, code, and runbooks? Today, trying to process all that data just doesn't scale. But by solving the data volume problem first, we also solved the data silo problem. And now our customers can see auto-detected issues, risks, and optimization opportunities instead of drowning in disparate dashboards and endless alerts. That's the power of Unified DevOps Intelligence 🚀
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How To SaaS
Founders are often optimistic about growth. Sometimes, that confidence leads to funding ideas that don't fully pan out. Royalty-based growth capital is structured to limit downside risk compared to traditional venture-backed paths. Vik Thapar of Cypress Growth Capital explains that, even if outcomes fall short of early expectations, founders often still exit with meaningful results because they retain the majority of ownership. 🎙️ Tune into the Private Equity Value Creation Podcast: https://lnkd.in/gxkEsH3Z 👇🏽 Find Us Here https://lnkd.in/gTdPMk8P #privateequity #privateequitypodcast #privateequityvaluecreation
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Shan Srikanthan
"With AI we're turning bullet points into reports, and then someone else turns that report back into bullet points." We were invited to attend Proptech Collective's Growth Summit where we heard from leaders in the built world like Brad Hargreaves (3x founder). That was one of his comments ^. In his words, there is a ton of opportunity in unstructured data in the built world. Companies should be looking at new ways to use this data. With AI inserting itself into our workflows, we'll have to start rethinking workflows completely. (Thanks Rachel Hay-Ching Yuen, Stephanie Wood for the invite!)
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Digital Reference
🌟 The SaaS world moves fast, and scaling efficiently requires strategic alignment, operational rigor, and cross-functional coordination. Fractional COOs are helping early- and mid-stage SaaS companies grow seamlessly while maintaining agility. At 𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝗥𝗲𝗳𝗲𝗿𝗲𝗻𝗰𝗲, we’re committed to 𝘁𝗿𝗮𝗻𝘀𝗽𝗮𝗿𝗲𝗻𝗰𝘆 𝗮𝗻𝗱 𝗮𝘂𝘁𝗵𝗲𝗻𝘁𝗶𝗰𝗶𝘁𝘆—spotlighting leaders who combine operational expertise with strategic insight to drive measurable results. 👋 𝗠𝗲𝗲𝘁 Dawn Strobel, 𝗙𝗿𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗢𝗢 Dawn helps SaaS companies align strategic objectives with day-to-day execution, ensuring scalable growth without sacrificing agility. She specializes in operational strategy, cross-functional alignment, process optimization, and efficiency audits. Here’s what she’s known for: ✅ Operational strategy for scaling 🏷️ Cross-functional alignment 🌟 SaaS process optimization 🔎 Operational efficiency audits Dawn empowers SaaS teams to scale smarter, improve performance, and operate with clarity—turning strategy into action at every level. 🔗 Learn more about Dawn Strobel and other Fractional COO professionals for SaaS companies here: https://lnkd.in/dSzCuv-R
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Evan Shy
Leading product teams in regulated environments requires a different kind of discipline. In this episode of the HTD Agile Leaders Podcast, I sat down with Melissa Douros, CPO at Green Dot Corporation, to talk about how product leaders can move faster without sacrificing trust, governance, or customer safety. I enjoyed this conversation on product delivery, AI done responsibly, and what it really takes to lead transformation at scale.
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Startup Boston
🚨 Community Bulletin: Open Opportunities Across the MA Startup Ecosystem 🚨 If you’re a founder, operator, builder, or expert looking to plug in right now, here are some high-signal opportunities worth your attention 👇 💸 MassVentures START Grant Program: MA startups can secure $100K–$500K in non-dilutive funding to move federally funded research from lab to market, plus commercialization support and business guidance. ⏰ Deadline: Feb 23 👉 https://lnkd.in/gbiuZyaK 🛍️ Women Entrepreneurship Bazaar at Babson College on March 7: Women-led businesses are invited to vend at the Babson Women Entrepreneurship Summit on International Women’s Day. 👉 Apply: https://lnkd.in/ge7qYKPi 🌱 Greentown Labs Mentor Pool: Industry experts, operators, and former founders can support early-stage climatetech startups with flexible, high-impact mentorship across GTM, fundraising, product, tech, and leadership. 👉 Learn more: https://lnkd.in/eRPzACBV 💻 Demo Your Infrastructure Software to Real Buyers on Feb 24: Infrastructure software founders can demo in front of technical + product leaders, a room full of software engineers, and local VCs — with real feedback from real decision-makers. 👉 Learn more: https://lnkd.in/gpMkZHMV 🚀 Techstars Startup Weekend Boston (May 1–3): A hands-on weekend going from idea to execution alongside founders, operators, and builders. 🎟️ Startup Boston community gets 20% off with code STARTUPBOS 👉 https://lnkd.in/gd4gKPNY 🩺 UMassM2D2 $200K Challenge – Women’s Health: Open to early-stage startups, academic teams, and founders tackling unmet clinical needs in women’s health, from diagnosis through treatment. ⏰ Deadline: Feb 15 👉 https://lnkd.in/dPZ6G6EC 🏢 MIT Sloan CIO Symposium Innovation Showcase on May 19: 10 early-stage startups will pitch enterprise-ready solutions at one of the country’s top CIO convenings. Built for founders solving real enterprise IT problems. ⏰ Deadline: March 31 👉 https://lnkd.in/gBQ6VggY ⚕️ MIT Hacking Medicine GrandHack 2026 (March 13–15): An in-person health innovation hackathon bringing together builders, clinicians, engineers, designers, and founders to tackle real healthcare challenges. ⏰ Deadline: Feb 15 👉 https://lnkd.in/geKjUZ2j Got something to amplify? Drop it here: https://lnkd.in/eSZRVc8Y
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Devon O'Rourke
Too many SaaS companies are trying to manufacture a category right now. At seed stage, it feels audacious (and fundable). At Series B+, it still sounds good on a stage... But if your endgame is mid-market and enterprise, the reality can be harsh: ❌ Enterprise buyers don’t typically budget for nascent categories - and are typically quite slow to spend on and test newly established categories. 🫰They budget for problems they already know how to fund...the ones that have the leadership/procurement paths pre-carved out. That’s why category creation is almost always boom or bust. You’re not just selling software; you’re teaching buyers to name a problem, shift priorities, and convince slow moving enterprise bureaucracies to approve net-new budgets. Most companies don’t have the time or capital to push that uphill for prolonged periods of time. Slotting into a known category may sound less visionary, but in enterprise it often wins faster... ✅ Budgets already exist. ✅ Stakeholders already understand the space. 🤝 Your job is to show why you’re the obvious choice - clearer, faster, better, yada, yada... you get it Known budgets + defined buyers? Slot in, then differentiate ruthlessly. Unnamed problem + no budget line? You’re playing a long game. Make sure you have the war chest to survive it and the end outcome is worth it (tbf, typically with VC companies these go hand in hand). Snowflake and Gong pulled off category creation because they had capital, time, and undeniable customer impact. Snowflake's CMO, Denise Persson has talked about the extreme messaging consistency and endurance that was required to come out the other side. Most don’t have the time.⏳ Datadog, Zoom, and Okta won big without inventing a category. They just dominated one that mattered to enterprises. Category creation has become a crutch for founders and marketers. In enterprise, it should be the exception, not the default.
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Vanta
Great founders know where to focus. Bret Taylor knows how to break it down. We pulled some key insights from the Sierra co-founder and CEO's Frameworks for Growth episode—on customers, selling outcomes instead of features, and what some startups miss about pace, product, and predictions. 🧵 Highlights in the carousel 🎬 Watch the full ep: https://lnkd.in/g9WmVtzf
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