About MSB Help
MSB Help is the operator-side brand of MSB Solutions. We do the work that money services businesses need done — getting banked, building compliance programs that hold up under examination, securing state licenses, training staff, and handling the regulatory filings that come with the territory.
Built by people who've actually run MSBs
The team behind MSB Help didn't come up as outside consultants. We've owned and operated licensed check cashers and payday operations. We've sat across the table from federal and state examiners. We've had banks close our accounts, and we've had banks open them. The experience we bring to your business is the experience we lived in our own.
Who's behind it
Philip D. Laufman, AMLCA
A driving force behind the expansion of American Quick Cash from a single store to six locations across Broward and Dade counties as a licensed check casher and payday advance provider. Now dedicated full-time to MSB advisory work. Anti-Money Laundering Certified Associate (AMLCA) through the Florida International Bankers Association. Member of the Institute of Internal Auditors. Prior banking experience at Peninsula Bank as Regional Vice President of South Florida Operations and East Coast Compliance Officer.
Luis M. Valle-Lisboa, AMLCA
In the money services business since 1999. Previously owned and operated American Quick-Cash Centers, a licensed check casher and payday advance provider in North Lauderdale, Florida. Has trained numerous operators in the MSB arena and led compliance training sessions accepted by Western Union and MoneyGram. AMLCA and IIA member.
What we do, plainly
Direct banking relationships. AML/BSA compliance manuals built for your specific business. Independent program reviews. Employee training, in person or online. State licensing acquisition. Federal MSB registration. CTR and SAR filing support. Discounted collection services. Anything else an MSB needs to operate confidently and pass examination.
Why it matters
An MSB without solid compliance is one regulator visit away from a fine, one bank-policy change away from losing its accounts, and one bad SAR away from being asked uncomfortable questions. The cost of getting it right is small compared to the cost of getting it wrong.