How do you know the wife is a benefactor? Once she signed the check it is a bearer instrument, and anyone (in this case the husband) could benefit from it. If she was with him and received the cash, yes she would benefit from it. But in this case, she may never see it. If you include her on the CTR, you are assuming she does. I'd personally file on just him.
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CRCM
Views expressed are my own and not those of my employer.