If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. In 2010, MoneyGram announced a donation of U.S. $ 200,000 from the International Red Cross to help the people of Pakistan in fighting with the effects of flooding. MoneyGram hired compliance officers in many of their global offices to ensure compliance with regulations of specific countries or regions. Until 2004, the owners of MoneyGram were Viad Corp and Travelers Express Company Inc. Today the company MoneyGram International - an independent U.S. company, whose shares are traded on the New York Stock Exchange and MoneyGram money transfer is considered one of the largest international money transfer systems without opening a bank account.