Answer:
The answer depends on who owns the account, not who signs on it. With a joint personal account, each joint owner has an ownership of the account, and CTRs reporting deposits to such accounts identify each of those joint owners as either the conductor of the transaction or a person on whose behalf it was conducted. But note that, if there is an authorized signer (sometimes referred to as a "convenience signer") on that joint personal account, the authorized signer is not identified in a CTR involving the account.
If the business in your question is a sole proprietorship, the owner is the individual who owns and operates the business, and you identify the owner as the conductor or the person on whose behalf the transaction was conducted in the CTR (inserting the "DBA Name" if there is one in item 8). The owner of the account is the owner of the business.
If the business is an entity (LLC, LLP, or corporation, for example) the business owns the account and the business is the "person" identified in the CTR, as the person on whose behalf the transaction(s) were conducted (the business cannot conduct a transaction itself). The owners of the business, whether or not they are authorized signers on the account, are not owners of the account, so they are not identified in the CTR (unless they conducted the transaction) when the CTR is reporting a transaction in currency on behalf of the business.
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