Articles by Kyle
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Kyle Mack reposted thisDustin J. Eaton CFE CAMS CFCI CFCS CAFP CGSS CAMS-RM CAFS
Dustin J. Eaton CFE CAMS CFCI CFCS CAFP CGSS CAMS-RM CAFS
Kyle Mack reposted thisFive Medicare fraud cases. Three federal districts. One organization. $10.6 billion in false claims, and only about $941 million was ever paid out. But here's the part that stays with me: most of that money got out through an insurance rule that kept paying after Medicare had already flagged the fraud. The DOJ announced these as a stack of separate prosecutions. The court filings tell a different story. One shared defendant across two districts. The same bank accounts in two indictments. The same opening sentence, word for word, in two more. The companies themselves? At the corporate-filing level, they shared nothing. No common address, phone, or registered agent. By design. That gap, between how fraud networks actually operate and what our detection systems can see, is what I want to dig into. Over the next few weeks, I'll break down what this network and the broader takedown reveal about business-identity risk. The entity-resolution research from the team at Middesk is the lens I'll use throughout. Six things we'll cover: the "conveyor belt," the nominee split, the $10 identity, the AI deepfake, the rule that kept paying after fraud was found, and what entity resolution actually caught and missed. If you work in fraud, AML, KYB, or investigations, follow along as I outline some research Inti Pacheco and I have uncovered. Curious which of these surprises you most. Below is a graphic that shows how part of the fraud network was organized. Sources: DOJ National Health Care Fraud Takedown; federal court filings via PACER; NPPES registry. -
Kyle Mack reposted thisKyle Mack reposted thisI think it was last year that I first saw a few tech jobs that required journalism skills. Some asked for exactly what I did as a data reporter at The Wall Street Journal for almost eight years. I just kept thinking "Why not?" Last month, I joined Middesk to find stories in the company's datasets to show how its platform powers the economy and how businesses are changing. I'm excited to look more into all things risk, compliance, and fraud. Stay tuned for more on that! What have I learned so far? In a nutshell, AI is fueling a new wave of business formations and pushing existing businesses to adapt faster than ever. Some economists thought the pandemic surge in formations was temporary, but applications have kept climbing. Business applications through May 2026 are up 16.6%, compared to a year earlier. Here's what Middesk data show about how businesses changed over 2024 and 2025: • More than half of the 40 million businesses tracked by Middesk had a material change: address, ownership, legal status, or name. • About 2.4 million businesses were registered in two or more states. • Close to 70,000 businesses had multiple liens filed against them. • More than 80% of new businesses formed chose the LLC structure that allows for opaque ownership and private agreements.
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Kyle Mack shared thisNew York business formations just hit an all-time high. Each policy out of City Hall now moves a live market that you can now trade on it on Kalshi. Kalshi has chosen Middesk as their official real-time settlement source for business formation markets. We’ll be keeping a real-time read on the state of the business economy. More to come.Kyle Mack shared thisAre businesses leaving NYC under Mayor Mamdani? Or is something else happening entirely? Prediction markets do something powerful: they turn a question about the future into a live signal you can actually follow. And now that signal runs on Middesk data. New companies drive two-thirds of US job creation. Small businesses make up 44% of GDP. Over the last decade, monthly formations have nearly doubled as technology makes building a company easier than ever. That's why Middesk is partnering with Kalshi to bring real-time prediction markets to NY business formation. The economy's most overlooked leading indicator, finally live. Check the thread.
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Kyle Mack shared thisMost infrastructure companies stop at data access. That's a mistake. I sat down with Ansel Parikh on The Current (Finch's new podcast) to talk about the pattern that separates good data businesses from great ones. At Middesk, we started with the unglamorous work: aggregating business data from hundreds of government agencies. And when I say unglamorous, I mean CDs in the mail and hard drives shipped back and forth to agencies. But access is just layer one. The real unlock came when we started building intelligence on top, synthesizing hundreds of signals into decisions. Every data infrastructure business moves through three stages. First, access. Then, basic analysis. Largely comparing and counting things. Finally, synthesis and producing a signal that only exists because you did the hard work underneath. We got into all of it, including how we used open-source Medicaid data to surface potentially fraudulent clusters across the country in under 30 minutes using reasoning-based intelligence. Worth a listen if you're building anything on top of messy, fragmented data. https://lnkd.in/eyc3N-ae
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Kyle Mack reposted thisKyle Mack reposted thisToday we're launching The Current: a new video interview series hosted by our co-founder Ansel where we sit down with the builders, operators, and leaders shaping the employment ecosystem. The world of employment data is massive, complex, and evolving. The Current brings you inside the conversations that matter, from scaling payroll infrastructure to the rise of AI in benefits and beyond. Featuring guests from across the industry: • Don Weinstein (formerly ADP) on building platform ecosystems in HCM • Kyle Mack (Middesk) on connective infrastructure and the power of clean data • Jeff Rosenberger (formerly Guideline, Wealthfront) on scaling a retirement platform from zero to billions in AUM • Sima Gandhi (formerly Plaid) on AI agents, autonomous payments, and what comes next New episodes drop bi-weekly. The trailer is live now, and episode one is already here. 🔊 Check it out and follow along: https://lnkd.in/e_7tjw5q
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Kyle Mack reposted thisKyle Mack reposted thisThe world doesn't have enough podcasts... about the intersection of finance, people, and data. So over the last few months (with a lot of help from Kiera Blessing), I've been sitting down with some of the sharpest minds in employment, benefits, and fintech. Today I finally get to share what we've been building. Introducing The Current: a new interview series from Finch where I talk with the leaders and operators who are shaping the future of how people get paid, insured, and supported at work. The employment ecosystem is massive, fragmented, and changing fast. But the people building in it don't get nearly enough airtime. The Current is our way of changing that, one conversation at a time. Our first guests: 1. Don Weinstein — the mind behind ADP's platform ecosystem and marketplace strategy 2. Kyle Mack — co-founder of Middesk, building the connective infrastructure layer for business identity 3. Jeff Rosenberger — helped grow Guideline from an early-stage startup to a retirement platform managing billions in AUM 4. Sima Gandhi — former Plaid exec exploring the intersection of AI agents, payments, and what comes next These aren't surface-level conversations. We nerd out on the hard problems, like how to scale in a fragmented market, where AI actually delivers value, and what it takes to build lasting infrastructure. The first episode, featuring Don, drops today. Watch it, share it, and if you're building something at the intersection of employment and technology, reach out to me directly! https://lnkd.in/ePUtGqeD
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Kyle Mack shared this110 million US businesses on our graph to help you map ownership structures, authorized signers, and additional entity relationships.Kyle Mack shared thisOne business is never just one business. Today we are releasing Business Connections in free preview. Every Middesk verification, in the Dashboard and API, now includes related businesses: other entities linked through shared people, addresses, and ownership. Every link comes with evidence and a confidence score. Less digging. More deciding. It is the first time we have productized the identity graph behind Middesk. Free for every customer during the preview. Connected business intelligence. Now live. Link in the comments.
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Kyle Mack reposted thisKyle Mack reposted thisMost teams talk about agentic AI. Middesk engineering put it to work on our own infrastructure. Matt Caddell wrote up how our data team built a harness that lets coding agents migrate pipelines end-to-end — write the transform, run it, validate the output, fix their own mistakes, then update the harness for the next agent. By the seventh migration, the agents took off unsupervised. Soon they were running multiple in parallel, producing usable code on first pass. A few engineers. Exponential velocity. Read Matt's full retrospective ↓
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Kyle Mack shared thisBusiness doesn't stop at the border. I'm looking for a few customers to give us feedback on our international KYB solution. Get in touch! kyle@middesk.comKyle Mack shared thisInternational business verification is coming to Middesk this summer. Canada, Europe, and APAC. Same platform. Same data quality. Business identity without borders. Learn more & join the waitlist → link in the comments
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1mo
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Kyle Mack liked thisBig news: I have joined Cardless as Chief Product Officer. After more than a decade at Adyen building and scaling embedded payments and financial services, I’m excited to start this next chapter with Scott Kazmierowicz, Michael Spelfogel, and the amazing Cardless team. Cardless has already built a strong foundation powering co-branded card programs for partners like Coinbase and Bilt. The focus now is what comes next: making it dramatically easier for brands to launch and run financial products through great APIs and an AI-enabled layer that reduces friction, increases speed, and actually makes the whole experience better for customers. Early days, lots to build. Let’s go.Kyle Mack liked thisVery excited to announce the expansion of the Cardless leadership team today. Mark Troianovski as Chief Business Officer and Karolina J. Noronha as Chief Product Officer. Welcome to the team - we couldn't be more excited to work together and accelerate our mission to build the intelligence layer of financial services. #hiring #creditcards #fintech #cardless
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Kyle Mack liked thisDustin J. Eaton CFE CAMS CFCI CFCS CAFP CGSS CAMS-RM CAFS
Dustin J. Eaton CFE CAMS CFCI CFCS CAFP CGSS CAMS-RM CAFS
Kyle Mack liked thisFive Medicare fraud cases. Three federal districts. One organization. $10.6 billion in false claims, and only about $941 million was ever paid out. But here's the part that stays with me: most of that money got out through an insurance rule that kept paying after Medicare had already flagged the fraud. The DOJ announced these as a stack of separate prosecutions. The court filings tell a different story. One shared defendant across two districts. The same bank accounts in two indictments. The same opening sentence, word for word, in two more. The companies themselves? At the corporate-filing level, they shared nothing. No common address, phone, or registered agent. By design. That gap, between how fraud networks actually operate and what our detection systems can see, is what I want to dig into. Over the next few weeks, I'll break down what this network and the broader takedown reveal about business-identity risk. The entity-resolution research from the team at Middesk is the lens I'll use throughout. Six things we'll cover: the "conveyor belt," the nominee split, the $10 identity, the AI deepfake, the rule that kept paying after fraud was found, and what entity resolution actually caught and missed. If you work in fraud, AML, KYB, or investigations, follow along as I outline some research Inti Pacheco and I have uncovered. Curious which of these surprises you most. Below is a graphic that shows how part of the fraud network was organized. Sources: DOJ National Health Care Fraud Takedown; federal court filings via PACER; NPPES registry. -
Kyle Mack liked thisI can’t wait for everyone to see what I’ve been working on for the past couple of years w the XM team!! 🚀 🌕 🌟Kyle Mack liked this🚨 X Money is expanding to Premium+ users. And Elon Musk's super app vision is starting to take shape. Here's what users get: • Up to $10M in FDIC insurance through a cash sweep program • 6% APY on deposits • 3% cashback • A personalized metal Visa debit card • Peer-to-peer payments inside X At first glance, the 6% savings rate grabs all the attention. But the bigger story may be the $10 million in FDIC insurance. That's around 40x the standard $250,000 coverage limit, made possible by sweeping deposits across a network of partner banks. Another interesting detail is that the rollout is currently limited to Premium+ users. That creates a controlled launch while giving X access to some of its most engaged customers before a broader rollout. The banking infrastructure is provided by Cross River Bank and Visa, allowing X to offer financial services without becoming a bank itself. If X succeeds, this won't just be another digital wallet. It could become one of the first social platforms to turn hundreds of millions of users into a financial ecosystem. Source/more info: https://lnkd.in/daAFn5Fk Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [ 𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 ] Nice story, Marcel. Next! [ 𝗹𝗶𝗸𝗲 ]
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Kyle Mack liked thisKyle Mack liked thisFrom local commerce to global events, payments help power experiences that bring people together. Great to see Visa represented on the world stage at the FIFA World Cup. Proud to be part of the team. #Visa #FIFAWorldCup #Payments ⚽️
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Kyle Mack liked thisKyle Mack liked thisToday we launched Business Banking*, which is going to simplify the lives of finance, payroll, and HR teams (and their AI agents!). I want to explain why. From the outside, payroll has always seemed simpler than it is. In reality, it’s full of hidden complexity for every company. One example is that payroll systems make you process each pay run two or more days in advance, which means you're constantly trying to jam things in before the cutoff. Spot bonuses are out of luck if they come in even a minute late, and need to be pushed to the next run. If you catch an error after the window closes, an employee has to wait extra days for their paycheck. Business Banking fixes that. By connecting your operating cash directly to Rippling Payroll, the day you run payroll is the day your employees get paid. Payroll admins can make changes right up until payday. But same-day payroll is only half the story. Most business bank accounts pay you less than 0.07% on your operating cash**. With Business Banking, you automatically earn 2.25% APY***, 32x the national average**, your deposits are covered by up to $200M in FDIC insurance†, and your idle cash can invest in a money market fund^. On $500K, that's ~$11,250/year instead of ~$350. Today’s launch drives our broader vision: Rippling AI sits on top of everything Rippling does: payroll, corporate cards, device management, and beyond. Business Banking is the newest addition, laying the foundation for AI-native cash flow management, instant payments, and more. Get started in less than 10 minutes, whether you’re opening your first business account or connecting your existing bank account to Business Banking. Learn more here: https://lnkd.in/gkyMeJEg
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Kyle Mack liked thisKyle Mack liked this"I'm an investigator at heart." It's the instinct that has Paul Newell learning enough plumbing to automate their humidifier refill. At Middesk it's directed at mapping how businesses and people actually connect. Paul leads fraud and risk products here. Before this: Unqork's first PM, then e-commerce fraud at Signifyd. New Meet Middesk — on curiosity, customers, and building where the playbook is still being written. Read it →
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Kyle Mack liked thisKyle Mack liked thisWelcome Jeanne DeWitt Grosser to Shopify’s board. At her core, Jeanne is a builder. At Stripe, she built the commercial organization and scaled revenue across every major function. As COO of Vercel, she’s building the AI-native foundation for the next gen of developers. Builders are our people at Shopify. It’s who we hire, it’s who we build for, and it’s who we want on our board. Thrilled Jeanne is joining our team. Welcome to Shopify Jeanne DeWitt Grosser. https://lnkd.in/eCR7AYkdTwo decades building commerce infrastructure: Jeanne DeWitt Grosser joins Shopify’s boardTwo decades building commerce infrastructure: Jeanne DeWitt Grosser joins Shopify’s board
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Every day, I am grateful that I got cut from the basketball team two years in a row.<br><br>In 2019, I published a book called Do Better Work, which explores eight ways anyone can bring clarity and camaraderie to a relationship or team.
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