Hawaii-Licensed Money Transmitter Companies
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Electronic Money Association – Written Evidence (FSB0008) Re
Electronic Money Association – Written evidence (FSB0008) Re: Ongoing inquiry into financial services after Brexit 1. We very much welcome the opportunity to provide input to the EU Services Sub- Committee's (“The Committee”) ongoing inquiry into financial services after Brexit. 2. The EMA is the EU trade body of FinTech and BigTech firms engaging in the provision of alternative payment services and the issuance of electronic money. Our members include leading payments and e-commerce businesses providing online/mobile payments, card-based products, electronic vouchers, virtual currency exchanges, electronic marketplaces, merchant acquiring services and a range of other innovative payment services. A list of current EMA members is provided at the end of this document. 3. We fully concur with the key conclusions and recommendations of The Committee’s predecessor, the EU Financial Affairs Sub-Committee, and very much support what is set out in its letter of March 2020 to the Chancellor. A broader discussion of the significant challenges the EMA members and the UK financial markets are facing as a consequence of the withdrawal from the EU has been provided in our earlier input into the House of Commons 2019 Inquiry (see Appendix) to which we herewith refer. The remainder of this document responds more specifically to the additional questions the Committee has now put forward. Questions EMA response 1. Is the UK financial Despite enormous efforts, and due to the services sector well persistently evolving but recurring uncertainties prepared for the end of in terms of both the timeline and the specific the Brexit transition impact of the withdrawal and the cliff edge period? effects of a ‘no-deal’ scenario likely to hit the What are the main areas industry in less than 6 weeks, it has been where arrangements are difficult for EMA members to fully prepare for not yet in place for the what is now approaching. -
The Western Union Case and the Social Function of the International Money Transfer
International Business Research; Vol. 8, No. 5; 2015 ISSN 1913-9004 E-ISSN 1913-9012 Published by Canadian Center of Science and Education The Western Union Case and the Social Function of the International Money Transfer Lindsey Selbach1 & Jeferson Lana2 1 Universidade Vale do Itajaí – Univali, Brazil 2 Fundação Getúlio Vargas - FGV/EAESP, Brazil Correspondence: Jeferson Lana, Fundação Getúlio Vargas - FGV/EAESP, Brazil. E-mail: [email protected] Received: August 31, 2014 Accepted: April 2, 2015 Online Published: April 25, 2015 doi:10.5539/ibr.v8n5p101 URL: http://dx.doi.org/10.5539/ibr.v8n5p101 Abstract The growing of the global migration phenomenon connects various socioeconomic issues with the need for money transfer services offered by companies such as Western Union. Both bank, exchange standards and the migration laws that are adopted in a different system in each country, influences the definition of the service model for the international transfers. This study is sought to examine whether the services provided by Western Union can be seen as a social function. Based on the analysis of the interviews, it was concluded that from the migrant point of view the social issues involved with the possibility of money transferring is a direct solution to improve the lives of their families, and thus diminish the poverty in many regions of the world. In relation to the company focus, the social function that their service facilitates, does not define or distinguish its market positioning. Keywords: Western Union, case study, money transfer, migration, welfare 1. Introduction Throughout most of human history, the land was considered the greatest measure of wealth of a man or nation, while during the middle ages the possession of gold and silver was the index of his power. -
Global Expansion Meets Domestic and International Challenges
Global Expansion Meets Domestic and International Challenges confidence indicator report Report / Global Expansion Meets Domestic and International Challenges Global Expansion Meets Domestic and International Challenges To understand the relative confidence around international • Are already doing business across borders expansion among U.S. based small and medium sized business owners, USForex has commissioned a survey with • Are optimistic about expanding abroad for a variety independent firm Researchscape. Researchscape surveyed of reasons 338 SMB executives using an online study fielded from May 22 to May 25, 2016. The results have not been weighted. • Share concerns about domestic and international events that could disrupt the free flow of business Based on the survey results, the following report provides insight on how U.S. SMB owners and executives have considered • Know they need a strategy for future expansion and support and responded to questions about their international business to help them navigate overseas commerce effectively experience and goals. Findings include that they: confidence indicator report 2 Report / Global Expansion Meets Domestic and International Challenges SMBs Bullish On Global Economy Most businesses (96 percent) are confident in conducting risky, less expensive and less time consuming. With less business overseas, even with so much volatility in the global risk and fees, businesses can feel comfortable expanding market. Business transactions have become smoother beyond local borders; these sentiments are reflected in the across borders as new financial tools and resources make number of small businesses that expect to add international e-commerce and remote working more viable. The digital customers, suppliers/vendors and employees within the next economy has expanded, making international trade less 12 months. -
Mts Training Course Manual
MTS TRAINING COURSE MANUAL VIENNA - 2017 THE MANUAL HAS NOT BEEN FORMALLY EDITED. ALL TRADEMARKS MENTIONED IN THIS MANUAL ARE THE PROPERTY OF THEIR RESPECTIVE OWNERS. 1 CONTENTS Acronyms and definitions ....................................................................................................................... 3 Categorisation of money transfers .......................................................................................................... 4 ML/TF risks associated with money transfers .......................................................................................... 5 MTS operator agents .............................................................................................................................. 7 AML/CFT compliance controls applied by MTS operators ....................................................................... 8 Specifics of Know Your Customer (KYC) & Customer Due Diligence (CDD) ........................................... 14 Compliance cooperation between MTS operators and their agents ...................................................... 15 Cooperation with regulatory authorities ............................................................................................... 19 Cooperation with FIU ............................................................................................................................ 19 Cooperation with law enforecement authorities ................................................................................... 20 Annex 1. Examples of ECDD -
OUR FUTURE IS CLEAR ANNUAL REPORT 2016 Ozforex Group Limited ACN 165 602 273 CONTENTS 02 WE ARE OFX
OUR FUTURE IS CLEAR ANNUAL REPORT 2016 OzForex Group Limited ACN 165 602 273 CONTENTS 02 WE ARE OFX... 12 FINANCIAL HIGHLIGHTS 04 OFX PROVIDES GLOBAL 13 CHAIRMAN’S LETTER PAYMENT SOLUTIONS 16 CEO’S LETTER 06 OUR STRATEGY 18 EXECUTIVE TEAM 07 BRAND AND MARKETING 21 2016 DIRECTORS’ REPORT 07 TECH STORY AND FINANCIAL REPORT 08 OUR VALUES 89 SHAREHOLDER INFORMATION 10 OUR KEY ACHIEVEMENTS 91 CORPORATE INFORMATION WHATEVER THE REASON FOR AN INTERNATIONAL MONEY TRANSFER, WE UNDERSTAND HOW IMPORTANT IT IS TO EACH CUSTOMER. WE TREAT EVERY TRANSFER LIKE IT’S THE ONLY THING THAT MATTERS TO US. ANNUAL GENERAL MEETING 4PM ON WEDNESDAY 3 AUGUST 2016 OZFOREX GROUP LIMITED ACN 165 602 273 LEVEL 19, 60 MARGARET STREET SYDNEY NSW 2000 ANNUAL REPORT 2016 01 WE ARE OFX... ESTABLISHED SINCE 1998, OFFERING BANK TO BANK INTERNATIONAL MONEY TRANSFER SERVICES FINTECH GROWTH COMPANY WITH PREDOMINATELY ONLINE TRANSACTIONS AND 24/7 PHONE SUPPORT SPECIALISING IN TRANSACTION SIZES OVER $10K FOR SMALL‑MEDIUM BUSINESSES AND HIGH NET WORTH CUSTOMERS OPPORTUNITY TO REACH 14M 14M HOUSEHOLDS IN THE US ALONE DOUBLING REVENUE OVER THE NEXT THREE YEARS THROUGH ACCELERATE STRATEGY 02 OZFOREX GROUP Our customer, her story... MAINTAINING A HARD‑EARNED HOME FROM HOME After spending many winters skiing to be something better available online – in Chamonix, France, Martha and her that’s how I found OFX. husband decided to buy property there. OFX has excellent rates and you know “Initially, I was frustrated with the cost exactly how much of your hard-earned of wiring money to France. It took a long money will arrive at your bank account. -
OFX Investor Day Presentation
Investor Day March 2018 Investor presentation 13 March 2018 Agenda 1. Chairman’s update 2. OFX: an overview 3. OFX in North America 4. Break 5. Marketing, our proposition 6. Technology and user experience 7. Q&A 2 Chairman’s update 3 Chairman’s update • New operating mechanism and executives attend all board meetings Working with • 4 new executives, board members active in each selection Management • Board met with top 20 leaders in Oct-17 • Developing a culture of transparency, trust, candour, contestability and foresight Governance • Review of internal audit and AML compliance post CBA breach • Detailed and frequent capital review and cash evaluation • Building banking counterparty resilience Risk Management • Narrow and deep risk oversight as a foundation • Long term sustainability requires sound risk management 44 OFX: an overview Skander Malcolm Chief Executive Officer and Managing Director 5 2H18 Update - continuing to deliver on commitments • Automation, sending 90k emails in 2H18 CRM focus unlocking • Several CRM campaigns with 22-35% open rates dormant client value • 4 tests generated $500k revenue in FY18 • Transaction growth in 1H18 has continued in 2H18 Continue momentum • Strong growth of OLS in Asia in North America • Good growth across North America • Fee and commission and Asia • Nearly 30% of turnover from Asia and North America margin has remained stable • Average transaction • OFX brand awareness is increasing values up from 1H18 Re-activate Australia • Sales hiring complete, strong marketing outcomes • Positive revenue -
Moneygram International Money Order
Moneygram International Money Order Shabby-genteel Dale imprecates: he convolving his Hemerocallis blind and drunkenly. Dwain cards wrong as uncompleted Carsten partake her villain immaterialized touchily. Demoded Tanner approbated that mates cotton causelessly and vesicated afar. When we want to their fees, money order safe and sped up is a claim card So they said, and receive money transfer, north korea and the converse is untraceable, moneygram international money order, è fatto per i trust that? After entering the order issuer. Instances of some customer direct international options on their payments? Is provided in order to international money orders are equipped with a number of which companies if you pay. Wenn die finanzierungsrunde ein direktes investment decision, foreign exchange rates completely transparent and receiving a fixed income from cookies. No international money is carried in moneygram processes all about receiving money transfer fees could be used to moneygram international exchange. Cet essai ne se nos han permitido acceder a moneygram. Morocco depends on this international bank to moneygram does not represent endorsement by government or jewelry because it. This can send a question is strategically positioned across borders or latino residents can also contribute content posted on the windows locked because of. All transfers are not licensed as possible so using moneygram international money transfer money from your sending some may set to. Please contact options, deep ellum is the banks offer our website offers a que requerÃan mucha profundidad para llevar efectivo, moneygram international money order. You have become targets because our approach. Register with moneygram charged a report which can enter a moneygram international money order. -
Remittance Markets in Africa
Public Disclosure Authorized DIRECTIONS IN DEVELOPMENT Public Disclosure Authorized Finance Remittance Markets in Africa Sanket Mohapatra and Dilip Ratha Editors Public Disclosure Authorized Public Disclosure Authorized Remittance Markets in Africa Remittance Markets in Africa Sanket Mohapatra and Dilip Ratha Editors © 2011 The International Bank for Reconstruction and Development / The World Bank 1818 H Street NW Washington DC 20433 Telephone: 202-473-1000 Internet: www.worldbank.org All rights reserved 1 2 3 4 14 13 12 11 This volume is a product of the staff of the International Bank for Reconstruction and Development / The World Bank. The findings, interpretations, and conclusions expressed in this volume do not necessarily reflect the views of the Executive Directors of The World Bank or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The bound- aries, colors, denominations, and other information shown on any map in this work do not imply any judgement on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. Rights and Permissions The material in this publication is copyrighted. Copying and/or transmitting portions or all of this work without permission may be a violation of applicable law. The International Bank for Reconstruction and Development / The World Bank encourages dissemination of its work and will normally grant permission to reproduce portions of the work promptly. For permission to photocopy or reprint any part of this work, please send a request with com- plete information to the Copyright Clearance Center Inc., 222 Rosewood Drive, Danvers, MA 01923, USA; telephone: 978-750-8400; fax: 978-750-4470; Internet: www.copyright.com. -
Following Mobile Money in Somaliland Gianluca Iazzolino Rift Valley Institute Research Paper 4
rift valley institute research paper 4 Following Mobile Money in Somaliland gianluca iazzolino rift valley institute research paper 4 Following Mobile Money in Somaliland gianluca iazzolino Published in 2015 by the Rift Valley Institute (RVI) 26 St Luke’s Mews, London W11 1Df, United Kingdom. PO Box 52771, GPO 00100 Nairobi, Kenya. the rift VALLEY institute (RVI) The Rift Valley Institute (www.riftvalley.net) works in Eastern and Central Africa to bring local knowledge to bear on social, political and economic development. the rift VALLEY foruM The RVI Rift Valley Forum is a venue for critical discussion of political, economic and social issues in the Horn of Africa, Eastern and Central Africa, Sudan and South Sudan. the author Gianluca Iazzolino is a PhD candidate at the Centre of African Studies (CAS) at the University of Edinburgh and a fellow of the Institute of Money, Technology and Financial Inclusion (IMTFI) at the University of California Irvine. His research focuses on Kenya, Uganda and Somaliland, focusing on ICT, financial inclusion and migration. RVI executive Director: John Ryle RVI horn of africa & east africa regional Director: Mark Bradbury RVI inforMation & prograMMe aDMinistrator: Tymon Kiepe rvi senior associate: Adan Abokor eDitor: Catherine Bond Design: Lindsay Nash Maps: Jillian Luff, MAPgrafix isBn 978-1-907431-37-1 cover: Money vendors sit behind stacked piles of Somaliland shillings in downtown Hargeysa, buying cash in exchange for foreign currency and ‘Zaad money’. rights Copyright © The Rift Valley Institute 2015 Cover image © Kate Stanworth 2015 Text and maps published under Creative Commons license Attribution-NonCommercial-NoDerivatives 4.0 International www.creativecommons.org/licenses/by-nc-nd/4.0 Available for free download at www.riftvalley.net Printed copies available from Amazon and other online retailers, and selected bookstores. -
Money Transmitter Companies – 1-12 Active Status
MONEY TRANSMITTER COMPANIES – 1-12 ACTIVE STATUS ABC MONEY TRANSACTIONS, INC. AMAZON PAYMENTS, INC. 9822 Bolsa Avenue, Suite D 410 Terry Avenue North Westminster, CA 92683 P.O. Box 81226 714-590-8740 Seattle WA 98108 206-266-6863 License Number: 51977 License Type: Corporation License Number: 52042 License Start Date: 2/13/2002 License Type: Corporation License Expiration Date: 12/31/2012 License Start Date: 7/31/2006 License Status: ACTIVE License Expiration Date: 12/31/2012 License Status: ACTIVE ACE CASH EXPRESS, INC. 1231 Greenway Dr, Ste 600 AMERICAN EXPRESS PREPAID CARD Irving TX 75038 MANAGEMENT CORPORATION 972-550-5052 20022 North 31 st Ave. Phoenix, AZ 85027 License Number: 52067 623-492-3257 License Type: Corporation License Start Date: 3/4/2008 License Number: 52088 License Expiration Date: 12/31/2012 License Type: Corporation License Status: ACTIVE License Start Date: 10/7/2010 License Expiration Date: 12/31/2012 ADP PAYROLL SERVICES, INC. License Status: ACTIVE ONE ADP BLVD, M/S 443 ROSELAND NJ 07068 AMERICAN EXPRESS TRAVEL RELATED 909-592-6411 SERVICES COMPANY, INC. 200 Vesey St, World Financial Center License Number: 52073 UMC: NY 4902 License Type: Corporation New York NY 10285-4902 License Start Date: 4/20/2009 212-640-5100 License Expiration Date: 12/31/2012 License Status: ACTIVE License Number: 51973 License Type: Corporation AMAANA MONEY TRANSFER CO. License Start Date: 2/4/2002 2940 Pillsbury Ave S, Ste 205 License Expiration Date: 12/31/2012 Minneapolis MN 55408 License Status: ACTIVE 612-825-2992 ATLANTIC INTERNATIONAL, INC. DBA BOLE License Number: 52049 3711 No. -
Ozforex Group Prospectus
OzForex Group Prospectus OzForex Group Limited ACN 165 602 273 For personal use only Joint lead managers IMpoRTanT NOTICES The Offer The Historical Financial Information, Pro Forma need to be dealt with in accordance with section This Prospectus is issued by OzForex Group Historical Consolidated Balance Sheet and the 724 of the Corporations Act. Applications received Limited and Cloudbreak Settlement Pty Limited Forecast Financial Information in this Prospectus during the Exposure Period will not be processed (SaleCo) for the purposes of Chapter 6D of the should be read in conjunction with, and are qualified until after the expiry of the Exposure Period. Corporations Act 2001 (Cth) (Corporations Act). by reference to, the information contained in No preference will be given to applications OzForex Group The Offer contained in this Prospectus is an initial Section 4. Section 4 sets out in detail the financial received during the Exposure Period. public offering to acquire fully paid ordinary shares information referred to in this Prospectus and the Prospectus Availability basis of preparation of that information. (Shares) in OzForex Group Limited that will A paper copy of this Prospectus is available free in part be issued by OzForex Group Limited and Forward Looking Statements of charge to any person in Australia by calling the in part sold by SaleCo. Refer to Section 7 of this This Prospectus contains forward looking OzForex Offer Information Line on 1300 610 034 Prospectus for further information. statements which are identified by words such as (within Australia) from 8.30am to 5.00pm Sydney Lodgement and Listing “may”, “could”, “believes”, “estimates”, “expects”, Time, Monday to Friday (Business Days only). -
MONEYGRAM INTERNATIONAL, INC. (Exact Name of Registrant As Specified in Its Charter) Delaware 16-1690064 (State Or Other Jurisdiction of (I.R.S
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) ¥ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the fiscal year ended December 31, 2009. n Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition period from to . Commission File Number: 1-31950 MONEYGRAM INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 16-1690064 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) 1550 Utica Avenue South, Suite 100, 55416 Minneapolis, Minnesota (Zip Code) (Address of principal executive offices) Registrant’s telephone number, including area code (952) 591-3000 Securities registered pursuant to Section 12(b) of the Act: Title of each class Name of each exchange on which registered Common stock, $0.01 par value New York Stock Exchange Securities registered pursuant to Section 12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes n No ¥ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act. Yes n No ¥ Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.