{"id":3866,"date":"2015-12-23T05:20:31","date_gmt":"2015-12-23T05:20:31","guid":{"rendered":"https:\/\/aegestion.com\/staging\/?p=3866"},"modified":"2016-01-17T18:01:29","modified_gmt":"2016-01-17T18:01:29","slug":"estudio-del-cliente-en-la-prevencion-blanqueo-capitales","status":"publish","type":"post","link":"https:\/\/aegestion.com\/staging\/estudio-del-cliente-en-la-prevencion-blanqueo-capitales\/","title":{"rendered":"Estudio del cliente en la Prevenci\u00f3n Blanqueo Capitales"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-e4ce2b6fe31f1ccaa50b8459cb5a583e\">\n#top .av-special-heading.av-av_heading-e4ce2b6fe31f1ccaa50b8459cb5a583e{\npadding-bottom:19px;\ncolor:#385670;\n}\nbody .av-special-heading.av-av_heading-e4ce2b6fe31f1ccaa50b8459cb5a583e .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-e4ce2b6fe31f1ccaa50b8459cb5a583e .special-heading-inner-border{\nborder-color:#385670;\n}\n.av-special-heading.av-av_heading-e4ce2b6fe31f1ccaa50b8459cb5a583e .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-e4ce2b6fe31f1ccaa50b8459cb5a583e av-special-heading-h2 custom-color-heading blockquote modern-quote  avia-builder-el-0  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Manual de Prevenci\u00f3n del Blanqueo de Capitales<\/h2><div class='av_custom_color av-subheading av-subheading_below'><p>An\u00e1ilsis del Cliente. Prop\u00f3sito e \u00edndole de la relaci\u00f3n de negocios. Seguimiento Cont\u00ednuo<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-av_textblock-0366cc7376be6c9e82a3e9cc8987b64f '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: justify;\">Los sujetos obligados recabar\u00e1n de sus clientes informaci\u00f3n a fin de conocer la naturaleza de su actividad profesional o empresarial. La actividad declarada por el cliente ser\u00e1 registrada por el sujeto obligado con car\u00e1cter previo al inicio de la relaci\u00f3n de negocios.<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Personal.jpg\" rel=\"attachment wp-att-3892\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-3892 size-medium\" src=\"https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Personal-300x200.jpg\" alt=\"Cumplimiento Corporativo\" width=\"300\" height=\"200\" srcset=\"https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Personal-300x200.jpg 300w, https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Personal-768x512.jpg 768w, https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Personal-1030x687.jpg 1030w, https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Personal-1500x1000.jpg 1500w, https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Personal-705x470.jpg 705w, https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Personal-450x300.jpg 450w, https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Personal.jpg 1920w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>Los sujetos obligados comprobar\u00e1n las actividades declaradas por los clientes en los siguientes supuestos:<\/p>\n<p style=\"text-align: justify;\">a) Cuando el cliente o la relaci\u00f3n de negocios presenten riesgos superiores al promedio, por disposici\u00f3n normativa o porque as\u00ed se desprenda del an\u00e1lisis de riesgo del sujeto obligado.<\/p>\n<p style=\"text-align: justify;\">b) Cuando del seguimiento de la relaci\u00f3n de negocios resulte que las operaciones activas o pasivas del cliente no se corresponden con su actividad declarada o con sus antecedentes operativos.<\/p>\n<p style=\"text-align: justify;\">Las acciones de comprobaci\u00f3n de la actividad profesional o empresarial declarada se graduar\u00e1n en funci\u00f3n del riesgo y se realizar\u00e1n mediante documentaci\u00f3n aportada por el cliente, o mediante la obtenci\u00f3n de informaci\u00f3n de fuentes fiables independientes. Asimismo, los sujetos obligados podr\u00e1n comprobar la actividad profesional o empresarial de los clientes mediante visitas presenciales a las oficinas, almacenes o locales declarados por el cliente como lugares donde ejerce su actividad mercantil, dejando constancia por escrito del resultado de dicha visita.<\/p>\n<p style=\"text-align: justify;\">Se comprobar\u00e1 en todo caso la actividad declarada cuando concurran circunstancias que determinen el examen especial de conformidad con el art\u00edculo 17 de la Ley 10\/2010, de 28 de abril, o la comunicaci\u00f3n por indicio de conformidad con el art\u00edculo 18 de la Ley 10\/2010, de 28 de abril.<\/p>\n<h5 style=\"text-align: justify;\"><em>Seguimiento continuo de la relaci\u00f3n de negocios.<\/em><\/h5>\n<p style=\"text-align: justify;\">Los sujetos obligados realizar\u00e1n un escrutinio de las operaciones efectuadas a lo largo de la relaci\u00f3n de negocio a fin de garantizar que coincidan con la actividad profesional o empresarial del cliente y con sus antecedentes operativos. Los sujetos obligados incrementar\u00e1n el seguimiento cuando aprecien riesgos superiores al promedio por disposici\u00f3n normativa o porque as\u00ed se desprenda del an\u00e1lisis de riesgo del sujeto obligado.<\/p>\n<p style=\"text-align: justify;\">El escrutinio tendr\u00e1 car\u00e1cter integral, debiendo incorporar todos los productos del cliente con el sujeto obligado y, en su caso, con otras sociedades del grupo.<\/p>\n<p style=\"text-align: justify;\">Los sujetos obligados realizar\u00e1n peri\u00f3dicamente procesos de revisi\u00f3n con objeto de asegurar que los documentos, datos e informaciones obtenidos como consecuencia de la aplicaci\u00f3n de las medidas de debida diligencia se mantengan actualizados y se encuentren vigentes.<\/p>\n<p style=\"text-align: justify;\">El manual a que se refiere el art\u00edculo 33 determinar\u00e1, en funci\u00f3n del riesgo, la periodicidad de los procesos de revisi\u00f3n documental que para los clientes de riesgo superior al promedio ser\u00e1, como m\u00ednimo, anual.<\/p>\n<p style=\"text-align: justify;\"><em>Fuente:\u00a0<a href=\"http:\/\/ow.ly\/BSdlE\" target=\"_blank\">Reglamento Prevenci\u00f3n Blanqueo Capitales<\/a><\/em><\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-1ecfc60a5f2b683ca93c484a648b4113\">\n#top .av-special-heading.av-av_heading-1ecfc60a5f2b683ca93c484a648b4113{\npadding-bottom:10px;\ncolor:#385670;\n}\nbody .av-special-heading.av-av_heading-1ecfc60a5f2b683ca93c484a648b4113 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-1ecfc60a5f2b683ca93c484a648b4113 .special-heading-inner-border{\nborder-color:#385670;\n}\n.av-special-heading.av-av_heading-1ecfc60a5f2b683ca93c484a648b4113 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-1ecfc60a5f2b683ca93c484a648b4113 av-special-heading-h3 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-2  el_after_av_textblock  el_before_av_partner '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >_____________ Tambi\u00e9n te puede interesar ______________<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_partner-0c785f4bd040edd93438f289d015759e\">\n.avia-logo-element-container.av-av_partner-0c785f4bd040edd93438f289d015759e .av-partner-fake-img{\nbackground-size:cover;\n}\n<\/style>\n<div  class='avia-logo-element-container av-av_partner-0c785f4bd040edd93438f289d015759e avia-logo-slider avia-content-slider avia-smallarrow-slider avia-content-slider-active noHover avia-content-slider-even  avia-builder-el-3  el_after_av_heading  el_before_av_promobox  av-slideshow-ui av-control-default av-nav-arrows-visible av-nav-dots-visible av-no-slider-navigation av-slideshow-manual av-loop-once av-loop-manual-endless avia-content-slider1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:&quot;&quot;,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"><div class='avia-smallarrow-slider-heading  no-logo-slider-heading '><div class='new-special-heading'>&nbsp;<\/div><\/div><div class=\"avia-content-slider-inner\"><div class=\"slide-entry-wrap\"><div data-avia-tooltip=\"Gesti\u00f3n de Proyectos Empresariales\" class='slide-entry av-av_partner_logo-574176583ebeec418f3333542078126e flex_column no_margin av_one_sixth real-thumbnail post-entry slide-entry-overview slide-loop-1 slide-parity-odd  first'><a href=\"https:\/\/aegestion.com\/staging\/gestion-proyectos-empresariales\/\" data-rel='slide-1' class='slide-image' title='' ><span class='av-partner-fake-img' style='padding-bottom:66.666666666667%; background-image:url(https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/A.E.Gestion-Empresarial-3-G.jpg);'><\/span><\/a><\/div><div data-avia-tooltip=\"Prevenci\u00f3n Blanqueo de Capitales\" class='slide-entry av-av_partner_logo-a2b1f0fa11d1f992c3d3d61224ef5f7e flex_column no_margin av_one_sixth real-thumbnail post-entry slide-entry-overview slide-loop-2 slide-parity-even  '><a href=\"https:\/\/aegestion.com\/staging\/prevencion-blanqueo-capitales\/\" data-rel='slide-1' class='slide-image' title=''  target=\"_blank\"  rel=\"noopener noreferrer\"><span class='av-partner-fake-img' style='padding-bottom:66.666666666667%; background-image:url(https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/A.E.Gestion-Empresarial-2b.jpg);'><\/span><\/a><\/div><div data-avia-tooltip=\"Corporate Compliance\" class='slide-entry av-av_partner_logo-5a3f927fb511e39299bcbe7731ec0617 flex_column no_margin av_one_sixth real-thumbnail post-entry slide-entry-overview slide-loop-3 slide-parity-odd  '><a href=\"https:\/\/aegestion.com\/staging\/corporate-compliance\/\" data-rel='slide-1' class='slide-image' title='' ><span class='av-partner-fake-img' style='padding-bottom:66.666666666667%; background-image:url(https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2014\/02\/A.E.Gestion-Emprearial-G.jpg);'><\/span><\/a><\/div><div data-avia-tooltip=\"Protecci\u00f3n de Datos LOPD\" class='slide-entry av-av_partner_logo-a1c423a9e982fbbe8c009e5f96ec4686 flex_column no_margin av_one_sixth real-thumbnail post-entry slide-entry-overview slide-loop-4 slide-parity-even  '><a href=\"https:\/\/aegestion.com\/staging\/proteccion-de-datos-lopd\/\" data-rel='slide-1' class='slide-image' title='' ><span class='av-partner-fake-img' style='padding-bottom:66.666666666667%; background-image:url(https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Urban.jpg);'><\/span><\/a><\/div><div data-avia-tooltip=\"Auditorias Prevenci\u00f3n Blanqueo de Capitales\" class='slide-entry av-av_partner_logo-b9ed51277eb29379e27dce85f0935641 flex_column no_margin av_one_sixth real-thumbnail post-entry slide-entry-overview slide-loop-5 slide-parity-odd  '><a href=\"https:\/\/aegestion.com\/staging\/auditorias\/\" data-rel='slide-1' class='slide-image' title='' ><span class='av-partner-fake-img' style='padding-bottom:66.666666666667%; background-image:url(https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Transito.jpg);'><\/span><\/a><\/div><div data-avia-tooltip=\"Auditorias Protecci\u00f3n de Datos LOPD\" class='slide-entry av-av_partner_logo-9a33c6197a7a358b31522393a33735c1 flex_column no_margin av_one_sixth real-thumbnail post-entry slide-entry-overview slide-loop-6 slide-parity-even post-entry-last '><a href=\"https:\/\/aegestion.com\/staging\/auditorias\/\" data-rel='slide-1' class='slide-image' title='' ><span class='av-partner-fake-img' style='padding-bottom:66.666666666667%; background-image:url(https:\/\/aegestion.com\/staging\/wp-content\/uploads\/2015\/12\/Personal-Empresa.jpg);'><\/span><\/a><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_promobox-87853233395914e04d3e41b7b6e861eb\">\n.av_promobox.av-av_promobox-87853233395914e04d3e41b7b6e861eb{\ncolor:#385670;\n}\n<\/style>\n<div  class='av_promobox av-av_promobox-87853233395914e04d3e41b7b6e861eb avia-button-yes  avia-builder-el-4  el_after_av_partner  avia-builder-el-last '><div class='avia-promocontent'><p>\n<strong>Gesti\u00f3n Global de Empresas. Servicios Profesionales adaptados a tus necesidades de Gesti\u00f3n, Administraci\u00f3n y Cumplimientos Legales<\/strong><\/p>\n<\/div><div  class='avia-button-wrap av-av_button-13c1dd437effd19c16d7eecbe7d0ef3b-wrap avia-button-right '><a href='https:\/\/aegestion.com\/staging\/formulario-de-contacto-a-e-gestion-empresarial\/'  class='avia-button av-av_button-13c1dd437effd19c16d7eecbe7d0ef3b av-link-btn avia-icon_select-yes-left-icon avia-size-medium avia-position-right avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Solicita Informaci\u00f3n\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue80a' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Solicita Informaci\u00f3n<\/span><\/a><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":3892,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":""},"categories":[16],"tags":[39,35,37],"class_list":["post-3866","post","type-post","status-publish","format-gallery","has-post-thumbnail","hentry","category-news","tag-diligencia-debida","tag-preblac","tag-prevencion-blanqueo-capitales","post_format-post-format-gallery"],"_links":{"self":[{"href":"https:\/\/aegestion.com\/staging\/wp-json\/wp\/v2\/posts\/3866","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aegestion.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aegestion.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aegestion.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aegestion.com\/staging\/wp-json\/wp\/v2\/comments?post=3866"}],"version-history":[{"count":4,"href":"https:\/\/aegestion.com\/staging\/wp-json\/wp\/v2\/posts\/3866\/revisions"}],"predecessor-version":[{"id":4457,"href":"https:\/\/aegestion.com\/staging\/wp-json\/wp\/v2\/posts\/3866\/revisions\/4457"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aegestion.com\/staging\/wp-json\/wp\/v2\/media\/3892"}],"wp:attachment":[{"href":"https:\/\/aegestion.com\/staging\/wp-json\/wp\/v2\/media?parent=3866"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aegestion.com\/staging\/wp-json\/wp\/v2\/categories?post=3866"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aegestion.com\/staging\/wp-json\/wp\/v2\/tags?post=3866"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}