Exactly. We are looking at the business to make sure that what we see is what we expect. Sometimes you find surprises in the most unlikely places. We have found restaurants that are now in the funds transfer business in the back office (no signage in place as required, we visited because of ACH activity noted in the account that we suspected was related to funds transfer services). We have found convenience stores that sell money orders when they clearly told us that they did not and we have identified small grocers that seemed to have inordinate amounts of cash for the number of customers we observed during our visits (timed for what would normally be peak hours-I like Thursdays at about 4:00 pm). So look for signage supporting services offered by the customer, activity volume and velocity commensurate with nature of business, and check cashing practices (are personnel trained to ID customers and adhere to any limits that may have been communicated to you by the owner).
I also cold call businesses, especially convenience stores, that indicate they do not offer any money services. It only takes a moment to call and inquire whether they sell money orders.
Life without Jesus is like an unsharpened pencil - it has no point.