The M&G Solutions Story

Co-Founders Brad and Michael founded M&G Solutions with a vision for growth, which meant it needed to reflect the future team, not just the inaugural members. That’s why there is no person named Maxwell or Graves (the “M “and “G” of M&G Solutions) working at our business.

Before M&G Solutions’ inception, Brad had purchased an entity name that honored the business accomplishments of his great-great-great-grandfather Henry Graves and his son, Henry Graves, Jr.

Henry Graves was a co-founder and partner of Maxwell & Graves investment bank, which engaged in the railroad and financial services industries, and Henry Graves, Jr. continued the family legacy of financial services expertise as an investment banker. The latter commissioned the most complicated (and expensive) watch ever made, the Patek Philippe Henry Graves Supercomplication, which is visible in the M&G Solutions logo.

Brad and Michael’s vision was inspired by Brad’s family’s long legacy in the financial services industry and penchant for pursuing what’s possible. But the foundation of our business is built on relationships.

Michael and Brad’s relationship started professionally and became a friendship. Similarly, Ryan and Colene started as professional collaborators that ultimately became M&G Solutions partners. Together, our partners work as a cohesive unit with our clients to improve operations, compliance, and processes.

We’re Doers and Operators

M&G Solutions integrates into your business to synthesize the solutions you need for the results you want. We do far more than create a deck with recommendations and hand it off for you to implement on your own; we’re truly by your side every step of the process.

Our priorities are three-fold:

Decode your business needs.

Devise lock-and-key strategies for your business’s unique outlook.

Develop long-lasting relationships with our clients, so we’re both a trusted source of expertise and a friendly face.

Our Mission

Our team of consultants is committed to providing expert guidance, innovative solutions, and exceptional service to help our clients maximize their potential. We strive to build strong, long-term relationships with our clients and deliver customized solutions tailored to their unique needs, ultimately empowering them to thrive in an ever-changing business landscape.

Our Approach


We bring decades of experience in financial services across multiple functionalities, including back office, operations, collections and recoveries, customer experience, and more.


Each client we work with grants us the opportunity to keep learning and growing in our expertise as we provide solutions to their most pressing business needs — and watch as changes take place.


Our dedication to our craft leads to fresh perspectives and novel solutions.


We lead from a strong sense of right and wrong, minimizing risk rather than creating it.


Expect honest assessments and direct conversations from our team; we provide realistic expectations for results and level with our clients whenever necessary.

Deep Industry Expertise

years of experience in the financial services industry

years of accounts receivable management experience

years leading client support organizations

years of business leadership experience

Meet the Experts Behind M&G Solutions

Brad Bone

Brad Bone

Partner and Co-Founder

“It is incredibly rewarding to assist our partners in achieving their strategic imperatives and growth goals while becoming a trusted partner within their culture. When we exceed our customers’ expectations, it affords us the opportunity to assist in other critical areas of their business.”

Previous Experience: Senior Executive at Capital One, executive-level positions at Teleperformance and iQor, President of Affinity Global, and direct work with Top 20 card issuers.

Brad is highly skilled at building and driving customer-centric processes that ensure a high level of performance and customer experience for his partners. He lives with his wife and family in Richmond, VA, and Miami, FL. When not traveling the country for business, Brad is known as a sports fanatic who loves to spend time with family and friends.

Michael Cassidy

Michael Cassidy

Partner and Co-Founder

“Working with great people who are passionate about their business and solving real issues is what I love about this work and why people love working with us.”

Previous Experience: Senior executive roles at Barclaycard and Prosper Marketplace, U.S. operations and account management for Bill Gosling Outsourcing.

Michael has a true passion for leading operational and support teams across multiple asset and product types, with extensive experience in credit card and unsecured installment products. He lives in New Jersey with his wife and daughter and has a love for his Peloton, hiking, wine, and the occasional round of golf.

Ryan Gerstung

Ryan Gerstung


“I enjoy using my analytical and problem-solving skills to identify areas for improvement and implement effective solutions. Knowing that my work directly contributes to the success of my clients and helps them provide better service to consumers is truly fulfilling.”

Previous Experience: Prosper Marketplace where he designed and deployed the Business Operations function. Responsible for back-office operations including the architecture for vendor integrations, financial and data reconciliations, workforce management, staffing optimization, compliance/regulatory adherence and operational analytics. GE Capital where he held positions responsible for customer acquisition, marketing, and sales.

Ryan is naturally inquisitive and passionate about leveraging data to solve complex business problems. He thrives in fast-paced environments where he can leverage his analytic skills (and data) to drive operational excellence. Originally from Buffalo, NY, Ryan now lives in Minnesota with his wife, Amber, and their four kids.

Colene McNinch

Colene McNinch


“Helping companies create detailed documentation that aligns their teamwork around process objectives and encourages organizational clarity is the heart of what I truly enjoy doing.”

Previous Experience: Accomplished executive, former Chief Compliance Officer for a nationally licensed collection agency, previous executive-level roles in operations, sales, and account management supporting relationships with Fortune 100 financial institutions.

Colene’s accounts receivable management experience has focused on compliance, regulatory controls and audits, and Compliance Management System development. She is originally from Buffalo, New York, and currently lives in Wilmington, North Carolina, with her dog Maverick. When Colene isn’t taking on the world of ARM industry compliance, she loves to cook and practice Pilates and yoga.

Ibeth Gonzalez

Ibeth Gonzalez

Operations Consultant

“I enjoy helping businesses become more agile, innovative, and responsive to change, so they can stay competitive in a fast-paced and constantly evolving environment.”

Previous Experience: Led client focused departments supporting Citi, Capital One, Bank of America, Synchrony, Chase, and Discover.

Ibeth is extremely detail oriented with a proven track record in project management. She is passionate about delivering best-in-class results for her partners while ensuring a superior customer experience. Ibeth currently lives in Chicago, IL, with her husband Javier and two children.

Send us a message, and let’s discuss how our team can help your business.