Answer:
If your institution has the information related to the originator (your customer’s customer), or has information regarding the ultimate beneficiary (the party who will ultimate receive the funds), you would have an OFAC liability for checking these parties to the transactions. The responsibility for checking the originator and beneficiary on the money transmittal for OFAC would fall on the two MSBs (the grocery store who receives the funds and the request to transmit -- the small MSB), and on the large MSB (Moneygram, or a similar company) who is sending the money transmittal to the end beneficiary.
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OFAC for Community Banks
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