United States · Money service business
Convera USA, LLC
Convera USA, LLC is a Delaware limited liability company with its head office in Denver, Colorado. US state regulators license it as a money transmitter under NMLS ID 907333, and FinCEN registers it as a money services business. It belongs to the Convera group, formerly Western Union Business Solutions. Goldfinch Partners and The Baupost Group acquired the business from The Western Union Company, with the initial closing in March 2022. The firm provides cross-border payments, foreign exchange and currency hedging products to US businesses and to educational and financial institutions.
Licences and registrations
Held by Convera USA, LLC (LEI 4TTC208NITFPJZEDCB92). 1 entry on 1 of the 22 tracked registers, retrieved 24 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| MSB Registrant SearchFinCENLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | —Money Transmitter / Remittance | Not published by the register | United States | Active | 2026-09-08 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Other register entries with this LEI
Shown for reference: they share the LEI but are not merged into this page
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- TGBPUS3WXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under TGBPUS3W directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2009-11-28
- Last updated
- 2024-08-24
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
Firm type
FX and business payments
Trades as Convera
- Standing
- The firm changed its name from Western Union Business Solutions (USA), LLC to Convera USA, LLC with effect from 8 June 2022. The change followed the sale of the Western Union Business Solutions business by The Western Union Company.
- Ownership
- The firm belongs to the Convera group, which Goldfinch Partners LLC and The Baupost Group, LLC acquired from The Western Union Company, with the initial closing on 1 March 2022.
- Head office
- 7979 E. Tufts Avenue, Suite 400, 80237 Denver, United States (registered office: C/O Citco (Delaware) Inc., 222 Delaware Avenue, Suite 1010, Wilmington, DE 19801, United States)
- Company register
- Delaware file 3134298
- Incorporated
- 1 Dec 1999
- Former names
- Western Union Business Solutions (USA), LLC · Travelex Global Business Payments, Inc. · Ruesch International, Inc.
Online
- Websites & references
- convera.com ↗
status.convera.com ↗ system status page
convera.readme.io ↗ developer documentation
edge.convera.com ↗ EDGE client platform login
globalpay.convera.com ↗ GlobalPay client platform login - Official social accounts
- LinkedIn ↗ · Instagram ↗ · YouTube ↗
Sources · 12 pages consulted
- convera.com/
- convera.com/compliance-legal/licenses-and-regulatory-information/
- convera.com/compliance-legal/compliance/
- convera.com/compliance-legal/partner-channel-disclosures/
- convera.com/docs/convera-terms-and-conditions-us.pdf
- convera.com/about-us/leadership/
- lei.bloomberg.com/leis/view/4TTC208NITFPJZEDCB92
- search.sunbiz.org/Inquiry/CorporationSearch/SearchResultDetail?inquirytype=EntityName&directionType=Current
- businesswire.com/news/home/20220301005856/en/Goldfinch-Partners-and-Baupost-Announce-Initial-Closing-of-Ac
- businesswire.com/news/home/20260129799440/en/Convera-Appoints-Industry-Leader-Meaghan-Riley-as-Chief-Comme
- businesswire.com/news/home/20260331576971/en/Convera-Joins-Forces-with-Ripple-to-Empower-Stablecoin-Enable
- convera.com/blog/company-news/ripple-convera-stablecoin-enabled-global-payments/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
State regulators license the firm as a money transmitter in 49 states, the District of Columbia, Guam and Puerto Rico. Montana requires no licence. FinCEN registers it as a money services business.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| US state regulators (NMLS) United States | Money transmitter licences in 49 states, the District of Columbia, Guam and Puerto Rico (54 state licences as listed by the firm) | 907333 | In its own name | Active | convera.com ↗ |
| Financial Crimes Enforcement Network (FinCEN) United States | Money Services Business registration (money transmitter, currency exchange) | — | In its own name | Active | — |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Not disclosedThe US terms describe holding balances as stored-value funds that the firm holds for the client, normally for up to 180 days, with no interest paid to the client.
- Payment schemes and card networks
- ACH (NACHA) Through a partner convera.com ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The firm offers business cross-border payments, currency holding balances, forward contracts, options and swaps to business customers only, including educational institutions that collect student fees.
The firm serves business customers in the United States under its state licences, and other Convera group entities serve customers abroad.
- Payment volume
- USD 190bnturnover (stated as USD 190B+ for 2025)
- Sells to
- Small businesses · Enterprises · Financial institutions · Platforms and marketplaces · Other
- Serves customers in
- United States
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Patrick Gauthier Chief Executive Officer (Convera group); manager of Convera USA, LLC
- Chief financial officer
- Michael Bourque Chief Financial Officer (Convera group); manager of Convera USA, LLC
- Executive
- Meaghan Riley Chief Commercial Officer (Convera group)
- Executive
- Mike Cahill Chief Operating Officer (Convera group)
- Executive
- Brendan Clegg General Counsel and Chief Administration Officer (Convera group)
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The Convera group announced a partnership with Ripple for business cross-border payments using stablecoins as the settlement layer between fiat legs.
businesswire.com ↗ -
Leadership
The Convera group appointed Meaghan Riley, formerly Chief Operating Officer of Google Cloud North America, as Chief Commercial Officer.
businesswire.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- TGBPUS3WXXX
- How the BIC breaks down
- TGBPBank
- USCountry · United States
- 3WLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 4TTC208NITFPJZEDCB92
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry ID
- a7399c3056b4
Profile
- Type
- Money service businessRemittance, currency exchange, cheque cashing and money orders. Usually registered with an anti-money-laundering supervisor rather than licensed prudentially. Taken from the licences on the tracked registers.
- Regulation
- AML registration onlyRegistered with an anti-money-laundering supervisor (FinCEN, FINTRAC, HMRC, AUSTRAC, Hong Kong Customs…) without a prudential licence.
- Register licences
- 1 entry on 1 register
- Activities
- Money remittance
- Currency exchange
- Other money services
- Licensed in
- United States
- Country · region
- United States · North America
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 7979 EAST TUFFS AVENUE DENVER 80237 UNITED STATES OF AMERICA
- Operational address
- 7979 EAST TUFFS AVENUE DENVER,CO DENVER,CO 80237 UNITED STATES OF AMERICA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>TGBPUS3WXXX</BICFI>
<LEI>4TTC208NITFPJZEDCB92</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>TGBPUS3WXXX</BICFI>
<LEI>4TTC208NITFPJZEDCB92</LEI>
<Nm>CONVERA USA, LLC</Nm>
<PstlAdr>
<TwnNm>DENVER</TwnNm>
<Ctry>US</Ctry>
<AdrLine>7979 EAST TUFFS AVENUE DENVER 80237</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- MSB Registrant Search—Financial Crimes Enforcement Network (FinCEN) · register ↗ as at 24 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: convera.com (official website) · original.
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