NOW DOING COMPLIANCE FOR GOLD AND SILVER DEALERS!
We specialize in:
SuniCheck Cashing
SuniTravelers Checks
SuniPayday Loans
SuniPawn Shops
SuniC-Stores
SuniMoney Orders
SuniWire Transfers
SuniGold & Silver
SuniIndependents
SuniPrecious Metal Dealers
855-922-4325 for more info. CLICK HERE to get started.
AML Compliance Program
Our company has designed an AML Compliance Program to help Money Service Businesses follow Federal Government laws and regulations.
Our Specialties
Third Party Independent Review
A Third Party Independent Review requires a properly qualified professional, accounting firm or outside consultant to provide a fair and unbiased opinion of your Anti-Money Laundering Compliance Program.
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On-line AML Compliance Training
We offer a simple comprehensive training site to manage all of your training needs.
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AML Compliance Program
Because of the USA Patriot Act of 2001, check cashers and other MSBs must comply with new federal regulations.

What is AML?
AML stands for Anti-Money Laundering. Money Laundering can most easily be described as "an attempt to conceal or disguise the nature, location, source, ownership, or control of money." Our program is designed to help eliminate and prevent money laundering, as an Anti-Money Laundering Program.
Businesses around the nation are required by the federal government to be in compliance with Anti-Money Laundering laws as a money service business. Secure your bank account, ensure proper record keeping, and stay in compliance with federal laws with an AML Compliance Program.
Why does a Money Service Business (MSB) need an AML Compliance Program?
New federal regulations have made it harder than ever for check cashing businesses to stay compliant. Because of the USA Patriot Act of 2001, check cashers and other MSBs must comply with new federal regulations. While these regulations help prevent terrorism, they also add more of a burden on check cashers and other MSBs.
SuniInternal controls and transaction systems
SuniPolicies, procedures and record keeping
SuniTraining of employees
SuniCompliance officer responsibilities
SuniCompliance with licensing requirements.
Are You Compliant?
SuniAdopted formal AML policies and procedures for Bank Secrecy Act/Anti-Money Laundering Compliance, including the Bank Secrecy Act/Anti-Money Laundering Compliance Program?
SuniCompleted and signed a “Company Resolution” confirming adoption of formal policies and procedures for Bank Secrecy Act/Anti-Money Laundering Compliance?
SuniDesignated a Company Compliance Officer?
SuniRequired that the Compliance Officer review the necessary laws and AML Compliance regulations?
SuniStarted an Anti-Money Laundering employee training program?
SuniProvided to all new and existing employees and management personnel a copy of an “Employee Guide to Anti-Money Laundering Laws and Regulations”?
SuniMade arrangements for proper storage and filing of all documents pertaining to the Bank Secrecy Act/Anti-Money Laundering Compliance program for a period of five years?
SuniDeveloped a Daily Procedure Checklist?
SuniHad an Annual Independent Review of your AML Program?
SuniRegistered as a Money Service Business (MSB) with FinCen?
SuniObtained a Check Casher’s Permit from the State of California?
SuniIncorporated Policies, Procedures and Internal Controls to assure compliance with the BSA?
If you cannot answer “YES” to all of these questions, your business could be at risk under the laws of the USA PATRIOT ACT!
Our AML Program Includes:
SuniAn Employee Guide to Anti-Money Laundering Laws and Regulations (Master Copy and Employee Handbooks)
SuniThe Bank Secrecy Act/Anti-Money Laundering Compliance Program Checklist
SuniCopies of FinCEN Form 104 – Currency Transaction Report (CTR) and Form TDF90-22.56 - Suspicious Activity Report by Money Service Businesses, including examples of how to complete the forms properly
SuniMoney Order and Wire Transfer Log Book for Proper Recording
SuniAn Employee Guide to Anti-Money Laundering Laws and Regulations (Master Copy and Employee Handbooks)
SuniThe Bank Secrecy Act/Anti-Money Laundering Compliance Program Checklist
SuniCopies of FinCEN Form 104 – Currency Transaction Report (CTR) and Form TDF90-22.56 - Suspicious Activity Report by Money Service Businesses, including examples of how to complete the forms properly
SuniMoney Order and Wire Transfer Log Book for Proper Recording
If implemented properly and consistently, this program will fulfill your requirements for compliance under the laws of the USA PATRIOT ACT.
We can customize an AML Program specifically for (but not limited to) customers of:
AllTrust Networks Paycheck Secure® | SecureCheck Cashing Systems® | EmagineNET QuickCheck®
Answers, Etc.® | Softwise® | Tellermetrix®
NEW ADDITIONAL DOCUMENTATION!
We now offer:
Standard Operating Procedures  | Employee Screening Practices  | Check Cashing Guides
Compliance Officer Designation  | AND MORE!

Third Party Independent Review
Did you receive a letter from your bank or IRS auditor requiring that you get an independent review of your AML Program by a qualified third party? We are here to help!

How does it work?
SuniFirst, we’ll ask you to fill out a questionnaire about your AML Compliance Program.
SuniSecond, we’ll perform a review of your business’s policies and procedures.
SuniThird, we’ll take a sample of your transactions for a specific time period, and review them to ensure compliance with the BSA and Patriot ACT.
SuniFourth, we will create a final report for you, ready to be presented to your financial institution or IRS auditor.
SuniFifth, we’ll provide you with free access to our secure Compliance Management Portal.
If required, we can optionally create a plan to address any deficiencies found in your AML Compliance Program, and additionally provide consulting services to assist you with obtaining or maintaining an account with your financial institution.
Contact Us for pricing, or to get started…

On-Line AML Training
We offer a simple, comprehensive interactive training site to manage all of your employee and compliance officer training needs and requirements.

Suni Our training programs are certified by CAMS, and meet all BSA requirements for employee and compliance officer training.
Suni Now, each employee can complete the training program when it is convenient, so there is no need to schedule a training session to that must include all employees.
Suni Employees are quizzed at the end of each chapter to ensure that they understand each topic. This way, policies and procedures will be consistently followed and risks will be managed.
SuniThe status of each employee is displayed in convenient reports, to ensure that audits of your training policies and procedures will not be a problem.
SuniThe Online Training Center provides easy access to and verification of all documentation and certifications.

ANNUAL REVIEW PROGRAM
COMPLIANCE IS EVERYONE’S BUSINESS. YOU CAN USE OUR ANNUAL REVIEW PROGRAM TO PROACTIVELY MANAGE YOUR BUSINESS’S COMPLIANCE NEEDS, OR SIMPLY LET US BE YOUR COMPLIANCE DEPARTMENT!

How does it work?
SuniAfter we have our initial phone consultation with you, we’ll set you up with a plan designed for your business.
SuniWe’ll automatically update your AML Compliance Program as regulations change.
SuniThe Program includes Online Training for all existing and new employees, as well as training for your Compliance Officer.
SuniOur Transaction Monitoring Service ensures that your employees are following your policies and procedures, and alerts you to any exceptions.
SuniWe will perform semi-annual spot-check monitoring to ensure there will be problems with your Third Party Independent Review.
SuniThe Program includes consultation with a CAMS certified professional, if any new issues come up.
SuniAnd, you’ll always have access to our friendly customer service professionals.
Contact us to get started…

What Our Customers Are Saying:

  • “With Paycheck Secure and the AML Compliance Program my business is now in compliance. It helps me report large transactions to meet regulatory compliance requirements and keep detailed records; a task that would be very tedious and time consuming if I had to do it myself.”
    Beto Chavez, General Manager | Chavez Supermarkets-Redwood City CA
  • "I did not know who to turn to for my third party independent review. My bookkeeper and lawyer couldn’t do what the bank required, and my business was at risk. The team at Capital Retail Solutions found the problems with our compliance program, and made the proper recommendations that met all of the requirements my bank has for MSB services. Thank you!"
    Abel Jimenez, Owner | Los Mexicanos-Oakland, CA
  • "After losing our bank account with Wells Fargo, Capital Retail Solutions created a new AML Compliance Program for us, recommended a change in licensing, performed a Third Party Independent Review, and consulted with our bank. When the dust cleared, we had a new banking relationship, and our business was saved. Capital Retail Solutions was instrumental in keeping our business open and we are thrilled with their service!"
    Jeff Aranki, Owner | Aranki Holdings,-LLC, Phoenix, AZ
  • “Our store was being audited by our bank and by an IRS Compliance auditor. Capital Retail Solutions was there to help [us] from beginning to end. Their program exceeded our expectations and helped our overall business. Their service is excellent and I feel that there is no better service out there than Capital Retail Solutions. I strongly recommend their products and service to any MSB store owner.”
    Ramiro Castillo, Owner | Joyeria Latina-So. San Francisco CA
CONTACT US
Send us a message to get started on your customized AML Compliance Program, Third Party Independent Review, or other Compliance needs. We’ll respond quickly, answer any questions you have, and provide pricing.