I assume she gotten her dual citizenship?
Keep in mind the PDIC (The FDIC equivalent in the Philippines) is only $20K (up from $10K last March), so I wouldn't keep much money in a single bank there.
The remittence companies like XOOM work great but their exchange rate is not the best, and like you said the big issue is compliance issues which can be a nightmare if you transfer too often or a large amount. I don't use them anymore. International wire transfers are too expensive and take too long.
Instead what I do, is I opened an HSBC, USA bank account in NY/NJ. They in turn opened me a HSBC Philippines bank account, all for free. They did this all while I was in the USA.
They provide a private banker in both USA and the Philippines that I can easily contact if I have any issues.
With their app, I can literally instantly transfer USD back and forth from the HSBC USA branch to HSBC Phiiippines, again all for free, and with the market exchange rate. Then I can do a local (pesonet) transfer from HSBC Philippines to more local banks in the Philippines (since HSBC is only in Manila).
Any issues, I just contact my banker ... Once my secure ID battery died or debit card expired, and they just fedex me a new one.
Now, this all takes a little skill using all the apps and so forth .,, but you can aways call them for help.
You do need a minimum balance in the HSBC account to get all this for free, but all I did was to transfer some mutual funds to the HSBC brokerage and that balance covers the minimum.
I think there are other international banks, such as citibank they might offer similar transfer services. But I think only HSBC will open up the remote bank accounts remotely for you. Note, as a non-resident you are restricted from depositing PHP into the local bank account from external sources. But once she is living in the Philippines she can convert it to a resident account. It will be very easy to move money back and forth, and when you run into issues, which you always will, their support will help.