I've talked to people at both Western Union and Moneygram... of the two, Moneygram "seemed" the most interested in stopping fraud when a specific incidence was brought to their attention... Admittedly, they could just be training their reps to SOUND more concerned... I detest the "Not our problem, we got our cut" attitude...
While instituting more safeguards to prevent fraud is not going to be cheap, they could make it cost effective... a good PR spin perhaps... but it's business as usual, I'm afraid...