Civic Intelligence

Money Services Business Association Inc

EIN 47-4988442 • 501(c)6 • Montvale, NJ

Profile

The Money Services Business Association or MSBA was launched October, 2015 by leading industry companies to support the non-bank financial services industry, legislation and regulation tracking, increasing awareness and understanding about the beneficial and secure services provided by the industry and to encourage and promote payments innovation.

29 Valley View TerraceMontvale, NJ 07645

www.msbassociation.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

86th percentile

0.56x

Higher debt load relative to assets than 86% of similar nonprofits.

NTEE S • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

90th percentile

0.91x

Higher debt load relative to revenue than 90% of similar nonprofits.

NTEE S • $500k-$1M nonprofits • Source year 2024

Net Margin

37th percentile

-0.3%

Higher net margin than 37% of similar nonprofits.

NTEE S • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

53rd percentile

$0

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

NTEE S • $500k-$1M nonprofits • Source year 2024

Asset Growth

49th percentile

2.8%

Faster asset growth than 49% of similar nonprofits.

NTEE S • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

72nd percentile

23%

Faster revenue growth than 72% of similar nonprofits.

NTEE S • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$746,177

Up $206,571 (+38%) from 2021

Liabilities

Up

$416,369

Up $109,896 (+36%) from 2021

Net Assets

Up

$329,808

Up $96,675 (+41%) from 2021

Operations
Liabilities / Revenue90th percentileNet Margin37th percentile

Revenue

Up

$456,859

Up $148,769 (+48%) from 2021

Expenses

Up

$458,323

Up $229,094 (+100%) from 2021

Net Income

Down

-$1,464

Down $80,325 (-102%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth49th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800K$600K$400K$200K$0-$200KAssets 2016: $124,471Liabilities 2016: $153,000Net Assets 2016: -$28,5292016Assets 2017: $209,400Liabilities 2017: $211,468Net Assets 2017: -$2,0682017Assets 2018: $273,640Liabilities 2018: $235,176Net Assets 2018: $38,4642018Assets 2019: $366,487Liabilities 2019: $285,330Net Assets 2019: $81,1572019Assets 2020: $440,128Liabilities 2020: $285,856Net Assets 2020: $154,2722020Assets 2021: $539,606Liabilities 2021: $306,473Net Assets 2021: $233,1332021Assets 2024: $746,177Liabilities 2024: $416,369Net Assets 2024: $329,8082024

Highlighted filing

2024

Assets$746,177
Liabilities$416,369
Net Assets$329,808
Open 2024 Filing

Operations Trend

Revenue Growth72nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200KRevenue 2016: $134,267Expenses 2016: $149,357Net Income 2016: -$15,0902016Revenue 2017: $179,707Expenses 2017: $153,246Net Income 2017: $26,4612017Revenue 2018: $221,312Expenses 2018: $180,780Net Income 2018: $40,5322018Revenue 2019: $240,965Expenses 2019: $198,272Net Income 2019: $42,6932019Revenue 2020: $302,261Expenses 2020: $229,146Net Income 2020: $73,1152020Revenue 2021: $308,090Expenses 2021: $229,229Net Income 2021: $78,8612021Revenue 2024: $456,859Expenses 2024: $458,323Net Income 2024: -$1,4642024

Highlighted filing

2024

Revenue$456,859
Expenses$458,323
Net Income-$1,464
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$746,177
Liabilities
$416,369
Net assets
$329,808
Revenue
$456,859
Expenses
$458,323
Net income
-$1,464
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.46$4.16$3.30$4.57$4.58$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.40$3.06$2.33$3.08$2.29$0.79
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.40$2.86$1.54$3.02$2.29$0.73
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.66$2.85$0.81$2.41$1.98$0.43
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.74$2.35$0.38$2.21$1.81$0.41
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.09$2.11$0.02$1.80$1.53$0.26
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.24$1.53$0.29$1.34$1.49$0.15
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 16, 2025
Return Version
2024v5.2
Gross Receipts
$456,859
Mission and Program Overview

Mission

The Money Services Business Association or MSBA was launched October, 2015 by leading industry companies to support the non-bank financial services industry, legislation and regulation tracking, increasing awareness and understanding about the beneficial and secure services provided by the industry and to encourage and promote payments innovation.

The Money Services Business Association or MSBA is a trade association focused on the non-bank money services industry, including licensed money transmitters and their agents/authorized delegates, payment card issuers and distributors, payment processors, international remittance companies, bill payment companies, mobile payment application providers, payment aggregators, virtual currency exchanges and administrators, eWallet providers and other similar money services providers that are engaged in payments.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$331,272$329,808▼ $1,464
Savings and Temporary Cash Investments$250,000$308,963▲ $58,963
Cash and Non-Interest-Bearing Accounts$291,359$254,177▼ $37,182
Accounts Receivable$179,300$162,935▼ $16,365
Prepaid Expenses and Deferred Charges$5,023$20,102▲ $15,079
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$725,682$746,177▲ $20,495
Liabilities
Other Liabilities$373,350$388,750▲ $15,400
Accounts Payable and Accrued Expenses$21,060$22,284▲ $1,224
Deferred Revenue-$5,335-
Total Liabilities$394,410$416,369▲ $21,959
Net Assets / Fund Balance
Total Net Assets Fund Balance$331,272$329,808▼ $1,464
Total Liabilities and Net Assets / Fund Balance$725,682$746,177▲ $20,495
Compensation and Service Providers
Top Officer Pay53rd percentile

Board Members and Trustees

NameTitle
Jorgen Osio NorgaardDirector/chairperson
Alberto GuerraDirector
Allyson WiblemoDirector
Amanda KosonenDirector
Antonio Cassio SeguraDirector
Camerin CohenDirector
Joe MassieDirector
Jose a Cortes SerranoDirector
Nicole IbbotsonDirector
Paul Dwyer JrDirector
Justin JenterDirector/secretary
Aurora Garza HaganDirector/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Two Sparrows Consulting LLCManagement Consulting29 VALLEY VIEW TERRACE, Montvale, NJ 07645$160,656
Revenue and Support

Revenue Composition

Contributions and Grants
$393,100
Program Service Revenue
$0
Investment Income
$18,810
Other Revenue
$44,949
Change in Net Assets
$-1,464
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$458,323
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$189,134--$189,134
Fees for Services Legal$133,792--$133,792
Fees for Services Other$54,971--$54,971
Fees for Services Lobbying$40,000--$40,000
Conferences and Meetings$21,460--$21,460
Travel$12,821--$12,821
Office Expenses$4,114--$4,114
Other Expenses$2,031--$2,031
Total Functional Expenses$458,323$0$0$458,323
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Unearned Dues$388,750
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, line 11B

“Tax return will be reviewed and signed by the chairperson and then a copy will be provided to all members of its governing body”

Form 990, Part VI, Section B, line 12C

“ANNUAL REVIEW”

Form 990, Part VI, Section C, line 19

“YES VIA WEBSITE”

Filing and Contact Details

Filer

Filer Name
Money Services Business
EIN
47-4988442
Phone
2017812590
Address
29 VALLEY VIEW TERRACE, MONTVALE, NJ 07645

Signing Officer

Name
Jorgen Osio Norgaard
Title
Chairperson
Phone
2017812590
Signed
2025-10-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jorgen Osio Norgaard
Formed
2015
Legal Domicile
De
Voting Board Members
12
Independent Board Members
12
Employees
0
Volunteers
0

Preparer

Firm
Paul J Staffaroni CPA
Address
4976 GRUNDY WAY, DOYLESTOWN, PA 18902-6103
Preparer
Paul Staffaroni
Phone
2153450070
Supplemental Narrative

Additional Explanations

Form 990, Part IX, line 11G

“BANK/ CREDIT CARD FEES: Program service expenses 607. Management and general expenses 0. Fundraising expenses 0. Total expenses 607. PRINTING/STATIONARY: Program service expenses 277. Management and general expenses 0. Fundraising expenses 0. Total expenses 277. COMMISSIONS: Program service expenses 13,993. Management and general expenses 0. Fundraising expenses 0. Total expenses 13,993. MEALS AND ENTERTAINMENT: Program service expenses 2,144. Management and general expenses 0. Fundraising expenses 0. Total expenses 2,144. POSTAGE AND DELIVERY: Program service expenses 78. Management and general expenses 0. Fundraising expenses 0. Total expenses 78. FILING FEES (TAXES): Program service expenses 350. Management and general expenses 0. Fundraising expenses 0. Total expenses 350. TECHNICAL SERVICES: Program service expenses 12,579. Management and general expenses 0. Fundraising expenses 0. Total expenses 12,579. DUES & SUBSCRIPTION: Program service expenses 6,657. Management and general expenses 0. Fundraising expenses 0. Total expenses 6,657. PR MARKETING: Program service expenses 18,286. Management and general expenses 0. Fundraising expenses 0. Total expenses 18,286.”

Raw XML Appendix371 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/OtherExpensesGrp/ProgramServicesAmt02031
IRS990/OtherExpensesGrp/TotalAmt02031
IRS990/OtherLiabilitiesGrp/BOYAmt0373350
IRS990/OtherLiabilitiesGrp/EOYAmt0388750
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1900099
IRS990/OtherRevenueMiscGrp/BusinessCd2900099
IRS990/OtherRevenueMiscGrp/Desc0SPONSORSHIPS
IRS990/OtherRevenueMiscGrp/Desc1MSBA DAILY
IRS990/OtherRevenueMiscGrp/Desc2MISC
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt024000
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt113688
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt27261
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt024000
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt113688
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt27261
IRS990/OtherRevenueTotalAmt044949
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05023
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt020102
IRS990/PrincipalOfficerNm0JORGEN OSIO NORGAARD
IRS990/ProfessionalFundraisingInd00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0340950
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03195
IRS990/PYOtherExpensesAmt0360552
IRS990/PYOtherRevenueAmt027791
IRS990/PYProgramServiceRevenueAmt00
IRS990/PYRevenuesLessExpensesAmt011384
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt0360552
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0371936
IRS990/ReconcilationRevenueExpnssAmt0-1464
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0331272
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0329808
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0250000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0308963
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0388750
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0UNEARNED DUES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalLiabilityAmt0388750
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TAX RETURN WILL BE REVIEWED AND SIGNED BY THE CHAIRPERSON AND THEN A COPY WILL BE PROVIDED TO ALL MEMBERS OF ITS GOVERNING BODY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANNUAL REVIEW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2YES VIA WEBSITE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BANK/ CREDIT CARD FEES: Program service expenses 607. Management and general expenses 0. Fundraising expenses 0. Total expenses 607. PRINTING/STATIONARY: Program service expenses 277. Management and general expenses 0. Fundraising expenses 0. Total expenses 277. COMMISSIONS: Program service expenses 13,993. Management and general expenses 0. Fundraising expenses 0. Total expenses 13,993. MEALS AND ENTERTAINMENT: Program service expenses 2,144. Management and general expenses 0. Fundraising expenses 0. Total expenses 2,144. POSTAGE AND DELIVERY: Program service expenses 78. Management and general expenses 0. Fundraising expenses 0. Total expenses 78. FILING FEES (TAXES): Program service expenses 350. Management and general expenses 0. Fundraising expenses 0. Total expenses 350. TECHNICAL SERVICES: Program service expenses 12,579. Management and general expenses 0. Fundraising expenses 0. Total expenses 12,579. DUES & SUBSCRIPTION: Program service expenses 6,657. Management and general expenses 0. Fundraising expenses 0. Total expenses 6,657. PR MARKETING: Program service expenses 18,286. Management and general expenses 0. Fundraising expenses 0. Total expenses 18,286.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part IX, line 11g
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0725682
IRS990/TotalAssetsEOYAmt0746177
IRS990/TotalAssetsGrp/BOYAmt0725682
IRS990/TotalAssetsGrp/EOYAmt0746177
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0393100
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0458323
IRS990/TotalFunctionalExpensesGrp/TotalAmt0458323
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0394410
IRS990/TotalLiabilitiesEOYAmt0416369
IRS990/TotalLiabilitiesGrp/BOYAmt0394410
IRS990/TotalLiabilitiesGrp/EOYAmt0416369
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0331272
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0329808
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0458323
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt063759
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0456859
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0725682
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0746177
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt012821
IRS990/TravelGrp/TotalAmt012821
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0WWW.MSBASSOCIATION.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JORGEN OSIO NORGAARD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRPERSON
ReturnHeader/BusinessOfficerGrp/PhoneNum02017812590
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MONEY SERVICES BUSINESS
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0ASSOCIATION INC
ReturnHeader/Filer/BusinessNameControlTxt0MONE
ReturnHeader/Filer/EIN0474988442
ReturnHeader/Filer/PhoneNum02017812590
ReturnHeader/Filer/USAddress/AddressLine1Txt029 VALLEY VIEW TERRACE
ReturnHeader/Filer/USAddress/CityNm0MONTVALE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd007645
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PAUL J STAFFARONI CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04976 GRUNDY WAY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0DOYLESTOWN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0189026103
ReturnHeader/PreparerPersonGrp/PhoneNum02153450070
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PAUL STAFFARONI
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-10-16T12:17:38-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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