The Bank Secrecy Act Explained: What BSA Requires of Non-Bank Businesses
Learn how the Bank Secrecy Act reaches covered non-bank sectors and how program, reporting, recordkeeping and registration duties differ.

The people behind the articles
Founder of Riveros International Business Corp
Browse published articles ↓Zulma Eliana Bourelly brings together legal training in Colombia, entrepreneurship and practical experience with the processes that connect individuals and businesses with the United States. She founded Riveros International Business Corp in Florida in 2009 and leads a network that includes Riveros Corp, Notary Public Center, Apostille de la Haya and Compliance Officers. Based in Miami, her work spans notarization, international document processing, business services and compliance, serving clients in the United States and abroad.
A 1997 law graduate of Universidad Nacional de Colombia, she combines her Latin American legal education with her practice as a Florida Notary Public since 2010 and her registration for Remote Online Notarization (RON). This background informs her understanding of the differences between document systems and the practical challenges of using signatures, powers of attorney, civil records and certifications across borders. Her legal qualifications are in Colombia; she is not licensed to practice law in the United States.
Her professional training also covers anti-money laundering, customer identification and document integrity. Her credentials include Certified Anti-Money Laundering Specialist (CAMS), Certified Notary Signing Agent through the National Notary Association, and IRS Certifying Acceptance Agent (CAA) for ITIN applications. She also holds a PTIN. These areas complement her experience in notarization, apostilles, civil records and business services, informing how she considers each document in relation to the person’s identity, its intended use and the requirements of the process.
As a Florida Supreme Court Certified County Court Mediator, she brings listening, negotiation and agreement-building to her practice. Her mediation work includes disputes involving business partners, suppliers, clients and other commercial relationships, helping participants examine their differences and develop their own solutions in a neutral setting.
Her background also includes a Florida DBPR Real Estate Sales Associate license. At Notary Public Center, she leads a team serving clients in Spanish, English and Italian, with in-person and remote services. The center also operates as an FDLE-approved Live Scan provider for fingerprint capture, addressing clients’ identification and verification needs.
Her team’s corporate document work covers company records, corporate powers of attorney, resolutions and coordination of signatures by directors in different countries. It calls for attention to document preparation and execution, together with the instructions of the professionals and institutions receiving the documents.
Her experience as an immigrant mother also informs her understanding of families whose lives span more than one country. In US Jurisdiction, she shares technical knowledge and practical service experience to explain processes, clarify requirements and help readers understand their next step.
Legal notice
No soy abogada con licencia para ejercer la abogacía en el estado de Florida y no puedo dar asesoría legal ni aceptar honorarios por asesoría legal.
I am not an attorney licensed to practice law in the State of Florida, and I may not give legal advice or accept fees for legal advice.
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