A Practical Way to Review Customer Activity Across All Providers in One Place
If you operate a money transfer store, also known as a remittance store, and have already defined internal AML thresholds in your written AML program, the next challenge is applying those procedures consistently in day-to-day operations.
As explained in How Money Transfer Agents Can Monitor Customer Activity Against Their Own AML Thresholds, many stores already know what they want to review. The difficulty is identifying which customers are approaching those thresholds when transaction history is spread across multiple provider systems.
MsB Manager helps bridge that operational gap by consolidating customer activity, documents, and internal notes in one place.
Start With the Thresholds Defined by Your Store
Every remittance store is different.
One store may review customer activity when total transactions exceed $5,000 in a week. Another may focus on monthly totals, transaction frequency, or the number of beneficiaries.
These thresholds are defined by the store based on its own AML program, applicable requirements, and internal procedures.
MsB Manager does not create those thresholds because they are part of the store’s own policies and procedures. The responsibility for defining and maintaining these criteria remains with the store, and MsB Manager provides a practical way to review customer activity against the thresholds the store has established.
How Threshold Configuration Works in MsB Manager
In MsB Manager, each store can configure its own transaction thresholds based on the procedures defined in its AML program.
The store enters limits for daily, weekly, and monthly transaction volume, as well as the operational limits used by each money transmitter it works with.
For example, a store may configure one provider with a $5,000 monthly threshold and another with an $8,000 monthly threshold, reflecting the operational rules those providers apply at the store.
These values are defined by the store and entered into MsB Manager only once.
From that point forward, the system compares customer activity against those store-defined thresholds and makes the information visible in a centralized view.
What the Store Can See in Each Customer Profile
When a customer arrives at the counter, staff can open the customer’s profile in MsB Manager and review key information in one place.
Instead of logging into several provider portals or searching through spreadsheets, the store can quickly see:
- whether identification documents are missing, expired, or approaching expiration;
- the customer’s consolidated transaction history across all configured providers;
- how much the customer has sent during selected time periods;
- how close the customer is to the thresholds defined by the store;
- the full list of beneficiaries associated with that customer;
- internal notes and previously uploaded documents.
This gives employees a practical way to review customer activity and determine whether any additional steps are appropriate under the store’s own procedures.
Beyond Transaction Volume
Some review criteria are not currently configured as automated alerts, but the underlying information is still available in the system.
For example, stores can review:
- customers ranked by number of transactions in the Top Customers report;
- the complete list of beneficiaries in each customer profile;
- prior notes and uploaded documents related to past transactions.
This allows stores to evaluate patterns that may deserve additional attention based on their own internal policies.
Example at the Counter
Imagine a customer arrives and wants to send $2,000.
The store checks its providers and determines that Provider B offers the best exchange rate for that destination at that moment.
Instead of opening several provider portals and searching through Excel, the employee opens the customer’s profile in MsB Manager.
In a single screen, the store can immediately review the customer’s transaction history across all configured providers, see how much the customer has sent recently, and verify whether sending $2,000 through Provider B would trigger any of the thresholds defined in the store’s own AML program or exceed the operational limits configured for that provider.
The employee also notices that the identification document previously stored in the system has expired, so a new copy is collected and uploaded to the customer profile.
On the same screen, the employee sees that the customer has an unusually large number of beneficiaries. Based on the store’s written procedures, the employee asks additional questions to better understand the activity and records the explanation in the Notes field.
Within a few seconds, the store has reviewed the key information needed to determine whether any additional steps are appropriate under its own internal procedures.
The transaction history, updated documents, and internal notes remain stored in the customer’s profile.
If another authorized employee accesses that customer in the future, they can immediately see what information was reviewed, what documents were collected, and what explanations were recorded during the prior interaction.
Keep a Complete Operational Record
Over time, each customer profile becomes a centralized record of the store’s interactions with that customer.
Internal notes, identification documents, and other supporting records remain organized in one place, allowing authorized employees to review prior conversations, uploaded documents, and relevant context whenever the customer returns.
This reduces the need to rely on memory and helps ensure that important information remains available to the team over time.
Built to Support Your Store’s Procedures
MsB Manager was designed to help remittance stores apply their own AML and operational procedures more consistently.
By consolidating customer activity, documents, and notes in one place, the system gives staff faster access to the information they need to make informed decisions during day-to-day operations.
The store defines the thresholds and procedures.
The store reviews the information and decides what action is appropriate.
MsB Manager brings the relevant customer activity, documents, and notes together in one place so those decisions can be made more quickly and consistently.
Final Thought
A written AML program defines what your store wants to review.
MsB Manager helps make that information visible across all configured providers so employees can apply those procedures more consistently.
Instead of relying on memory, spreadsheets, or multiple provider portals, the store can review customer activity in one place and act according to its own internal policies.
Want to see how this works with your store’s data?
See how MsB Manager helps multi-provider remittance stores organize customer activity and review store-defined thresholds in one centralized view. Request a Free Demo →
Frequently Asked Questions
Does MsB Manager create my AML thresholds?
No. Each store defines its own thresholds and internal procedures. MsB Manager helps consolidate customer activity so the store can monitor customer activity against those criteria more efficiently.
Does the system decide what action to take?
No. MsB Manager brings the relevant customer activity, documents, and internal notes together in one place so staff can review the information quickly. The store remains responsible for applying its own written procedures and deciding what action, if any, is appropriate.
Can I upload documents and notes to the customer profile?
Yes. Stores can maintain internal notes and upload supporting records directly to each customer profile.
Articles Related
- What Is a AML for Money Transfer Store →
- How to Create Your Own AML Program as a Small MSB Agent →
- How Money Transfer Agents Can Monitor Customer Activity Against Their Own AML Thresholds →