{"id":13061,"date":"2020-07-08T14:09:53","date_gmt":"2020-07-08T14:09:53","guid":{"rendered":"https:\/\/pluscomply.com\/?p=13061"},"modified":"2020-07-14T00:55:56","modified_gmt":"2020-07-14T00:55:56","slug":"errores-comunes-en-el-chequeo-de-listas-menospreciar-su-improtancia","status":"publish","type":"post","link":"https:\/\/pluscomply.com\/?p=13061","title":{"rendered":"Errores comunes en el chequeo de listas: menospreciar su importancia"},"content":{"rendered":"<p>Ignorar o menospreciar el chequeo de listas negras es un error que refleja una gran deficiencia en el proceso de debida diligencia asociado a clientes, aliados, proveedores y empleados, ya que evidencia un desconocimiento de los riesgos que pueden representar criminales, terroristas, narcotraficantes y otros criminales.<\/p>\n<p>Cuando la persona responsable del cumplimiento desconoce la importancia del chequeo de listas negras, suele hacer una identificaci\u00f3n del cliente incompleta y justifica la deficiencia con las siguientes aseveraciones:<\/p>\n<ul>\n<li><i>\u201cEl chequeo de listas s\u00f3lo aplica para grandes corporaciones\u201d.<\/i><\/li>\n<li><i>\u201cMis clientes no son extranjeros\u201d.<\/i><\/li>\n<li><i>\u201cYo no trabajo con clientes estadounidenses\u201d.<\/i><\/li>\n<li><i>\u201cPara qu\u00e9 lo voy a hacer yo, si el banco que uso ya chequea las listas\u201d.<\/i><\/li>\n<li><i>\u201cEn mi pa\u00eds no hay terroristas, eso es en otros lados\u201d.<\/i><\/li>\n<li><i>\u201cYo arm\u00e9 mi propia lista, no necesito otra\u201d.<\/i><\/li>\n<li><i>\u201cS\u00f3lo con la lista OFAC ya cumplo\u201d.<\/i><\/li>\n<li><i>\u201cCon la lista de PEPs dom\u00e9sticos ya es suficiente\u201d.<\/i><\/li>\n<\/ul>\n<p>El aspecto econ\u00f3mico muchas veces es la excusa para no chequear listas negras, ya que los servicos de alto nivel suelen ser muy costosos. Sin embargo, la plataforma regtech <a href=\"http:\/\/www.riskyid.com\" target=\"_blank\" rel=\"noopener\"><b>RIskyID<\/b><\/a> ofrece una de las bases de datos m\u00e1s completas del mundo -gestionada por Dow Jones y usada por cientos de bancos a nivel global- a precios realmente accesibles para todo tipo de negocios, con planes que empiezan en s\u00f3lo USD 15 al mes.<\/p>\n<p>El chequeo de listas permite, adem\u00e1s, identificar individuos de alto riesgo, como criminales financieros y las Personas Expuestas Pol\u00edticamente (PEPs), que son funcionarios p\u00fablicos, miembros de partidos pol\u00edticos, militares de alto rango y miembros del poder, l\u00edderes sindicales, etc. Por eso es una pr\u00e1ctica que todas las empresas, sin importar su tama\u00f1o, deben cumplir para salvaguardar su negocio; con m\u00e1s raz\u00f3n deben hacerlo los profesionales independientes, ya que es mayor el impacto reputacional y el riesgo legal que representa relacionarse con individuos de alto riesgo.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ignorar o menospreciar el chequeo de listas negras es un error que refleja una gran deficiencia en el proceso de [&hellip;]<\/p>\n","protected":false},"author":860,"featured_media":13063,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[276],"tags":[319,316,317,391,340,390,332,294,322],"class_list":["post-13061","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-capacitacion","tag-apnfd","tag-bancos","tag-cumplimiento","tag-debida-diligencia","tag-recomendaciones","tag-riesgos","tag-sancion","tag-senales-de-alerta","tag-tecnologia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Errores Comunes en el Chequeo de Listas: Menospreciar su 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