Patrick serves as the Chief Executive Officer of RealNOI and has an extensive background of innovation in the Fintech industry vertical.

In recent years, Patrick has designed, developed, and deployed technology platforms and services enabling efficient online customer acquisition for retail and digital products, assisting online marketers in achieving financial success on their campaigns, maximizing revenue, and reducing cost, while extending their effective customer lifecycle and total customer earnings.

Patrick was a founding member of Sociallity a platform focused on providing socially responsible healthcare services to the under and uninsured population. Patrick has also co-founded several other healthcare-centric platforms focused on Tele-Medicine and Tele-Therapy.

Mr. Graf founded Enablest a merchant services company revolutionizing the payment industry to technology innovation, honesty, and viral marketing, and held the role of Executive Chairman of Data One International, a high-risk merchant processing company, and an executive team member with Plateco a technology platform.

Patrick co-founded and held the title of Chief Technology Officer for Revolution Money, where he architected a payments industry revolution by deploying a new technology platform for integrating with merchants, an authorization system, and the Credit/Debit card issuing platforms, launching a new payment brand competing directly with VISA, MasterCard, and American Express.  Revolution Money was sold to American Express, at which point Patrick departed ways to continue his vision of changing the payments industry rather than dealing with the hurdles of a corporate giant like American Express.

Prior to that, Patrick was part of the founding team of QI Solutions, as Senior Vice President, which was later sold to NEC computers and today is part of the largest technology consulting firm in the Eastern countries. 

Patrick has more than 26 years of professional service experience. He specializes in bringing technology, business, and process innovation to life, focused on achieving strategic and tactical business objectives and quickly impacting overall business at all levels, including operations, revenue and margin growth, process improvement and effectiveness, and the deployment of high-impact solutions.

After completing his business education in Switzerland, Mr. Graf started his career working in the high-tech industry for Intergraph, a provider of highly innovative technology solutions.  During his tenure at Intergraph, Mr. Graf developed and deployed business process automation technology solutions in an effort to streamline the operational effectiveness of the Intergraph business, while maintaining his business line responsibility as the manager of maintenance and support client services and contracting.

After a 4-year tenure with Integraph, Mr. Graf took employment with, RP Scherer (Now Cardinal), a large pharmaceutical manufacturing company, where he worked through the ranks in the planning and scheduling groups, where after becoming the US manufacturing master planner, Mr. Graf was challenged to transform the business’ technology business solutions from legacy and manual planning practices to an Enterprise Resource Planning solution.

This deployment of this innovative technology, being one of the first deployments of this type of integrated technology in the world, allowed Mr. Graf to leverage his technology industry background and successfully implement global enterprise technology solutions and launch his first startup, Rapid Deployment Inc., which grew from a one-man firm to having 55 active senior consultants service exclusively fortune 500 companies.

Rapid Deployment inc, was quickly acquired by Solutions Bank, where Patrick became a member of the senior management team which grew the company to a strong global consulting firm with over 5,000 consultants with offices in 19 countries. 

Solutions Bank, later renamed SBI and was acquired Avenue A, now a Microsoft company.