Compliance & Licensing

GJ Money Transfer operates under strict regulatory oversight to protect every customer and ensure the highest standards of financial integrity.

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FinCEN Registered

Licensed Money Services Business registered with the US Financial Crimes Enforcement Network

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FINTRAC Registered

Registered Money Services Business with Canada's Financial Transactions and Reports Analysis Centre

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AML/BSA Compliant

Full Anti-Money Laundering program in compliance with the Bank Secrecy Act

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OFAC Screened

All transactions screened against OFAC's Specially Designated Nationals list

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KYC Verified

Know Your Customer identity verification powered by Persona (or Jumio)

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PCI DSS

Payment Card Industry Data Security Standards compliant for card data handling

Anti-Money Laundering (AML) Policy

GJ Money Transfer maintains a comprehensive AML compliance program that includes:

  • Customer identification and verification procedures (KYC)
  • Ongoing transaction monitoring for suspicious activity
  • Suspicious Activity Report (SAR) filing with FinCEN when required
  • Currency Transaction Reports (CTR) for cash transactions over $10,000
  • Training of all employees on AML policies and procedures
  • Independent annual AML audits

Sanctions Screening

All transactions and customers are screened against:

  • OFAC Specially Designated Nationals (SDN) list
  • UN Security Council Consolidated List
  • EU Consolidated Sanctions List
  • OSFI Consolidated Canadian Autonomous Sanctions list

We do not process transfers to or from countries subject to comprehensive US or Canadian sanctions.

State Licensing (United States)

In addition to federal FinCEN registration, GJ Money Transfer maintains state money transmitter licenses in all states where required. License numbers are available upon request.

Data Protection

We are compliant with applicable data protection laws including:

  • California Consumer Privacy Act (CCPA)
  • Canada's Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Gramm-Leach-Bliley Act (GLBA) financial privacy requirements

Report a Concern

If you have a compliance concern or suspect fraudulent activity, please contact our Compliance Officer at [email protected] or call +1 (800) GJ-MONEY.

You may also report suspicious activity directly to FinCEN at fincen.gov or to FINTRAC at fintrac-canafe.gc.ca.