ANALISIS DEL SISITEMA DE ADMINISTRACION DE RIESGO EN LAVADO DE ACTIVOS Y FINANCIACION DEL TERRORISMO
SOLUCION ACTIVIDAD ACTIVIDAD No. 3 SARLAFT
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EDUCACION VIRTUAL SERVICICO NACIONAL DE APRENDIZAJE SENA
2017 Rica!o A"#a $% &' c"i$'($ !$" )a'co Mo'%$a($ * $% +o+i$(aio !$ &' +$,&$-o %&+$$ca!o ,&$ /&'cio'a $' "a o'a i'/"&$'cia !$ "a %&c&%a" !o'!$ &%($! "a#oa %$ $'c&$'(a i'c&"a!o !$%!$ ac$ a+o4ia!a$'($ ci'co a-o% a" #a'co !&a'($ $%($ (i$+o a a'($'i!o &' +o$!io $' %& c&$'(a coi$'($ !$ 5 i""o'$% !$ +$%o% $'%&a"$% * $" o"&$' !$ co'%i6'acio'$% 'o %&+$a "o% i""o'$% +o $%. A +a(i !$ (i$+o '&$%(o c"i$'($ $+i$a a i'c$$'(a %&%(a'cia"$'($ "o% $c&%o% co'%i6'a!o% $' %& c&$'(a coi$'($ ""$6a'!o a ci/a% !$ 25 i""o'$% !$ +$%o% %$a'a"$% $ i'c"&%i$ a $ci#i co'%i6'acio'$% !$ o(a% ci&!a!$% $' "a% c&a"$% 'o (i$'$' 'i'6&'a ac(ii!a! $co'8ica co'oci!a. U%($! coo /&'cio'aio !$#$9 (oa $" "&6a !$" G$$'($ +o &' (i$+o *a ,&$ a :" "o i'ca+aci(ao' a%; ,&$ ($'!9 ,&$ a%&i * $%o"$ "a %i(&aci8' !$ Rica!o A"#a. U%($! !$#$9 i'!ica "a% accio'$% ,&$ a a (oa $% i+o(a'($ ,&$ ARGUMENTE #i$' %&% $%+&$%(a%. a< #< c< !< $<
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SOLUCIÓN DEL CASO 1. ¿Es prudente cancelar la cuenta del cliente? No 'o $% +&!$'($ *a ,&$ +i$o ($'!;a ,&$ ac$ &'a i'$%(i6aci8' !$ "a +oc$!$'cia * "$6a"i!a! !$" !i'$o !$" c"i$'($ * a%; *a %$ (oaa ca(a% $' $" a%&'(o +aa +$'%a $' ca'c$"a"$ o 'o "a c&$'(a * !a +a($ a "a% a&(oi!a!$%. Si' $#a6o *o +o'!;a $' +9c(ica "o% $ca'i%o% !$ co'(o" !$ SARLAFT +aa a%; (oa "a !$ci%i8' 9% +$(i'$'($ co' $" /i' !$ $%o"$ !$ "a $?o /oa $" ca%o. @ Doc&$'(aci8' $i/ica'!o "o% /o&"aio% !$ i'c&"aci8' ,&$ $a"io c&a'!o a#i8 "a c&$'(a coi$'($ * "o% %o+o($% ,&$ +$%$'(o +aa a#i "a c&$'(a Rica!o A"#a !$%+&:% !$ $i/ica "o% !a(o% +$!i: "a !$#i!a ac(&a"iaci8' !$ !a(o% co' %&% !$#i!o% %o+o($% ac(&a"ia!o% co' %& ac(ii!a! co$cia" @ Ac(ii!a! !$" c"i$'($ %$ a9 &'a i'$%(i6aci8' $%+$c(o a %& ac(ii!a! $co'8ica $' $%($ ca%o $% +o+i$(aio !$ &' +$,&$-o $ca!o ,&$ /&'cio'a $' "a o'a i'/"&$'cia a%; i%o% %$ +$!i9 %&% +i'ci+a"$% c"i$'($% +o$$!o$% %$ +$!i9' #a"a'c$ 6$'$a" !$" B"(io a-o +aa co'oc$ i'6$%o% * $6$%o% * /ac(&a% !$" B"(io $% !$ co+a. @ S$6&ii$'(o !$ "a% o+$acio'$% #a'caia% S$ +$!i9 $" $6i%(o !$ "a% (a'%accio'$% * co'%i6'acio'$% ,&$ $a"ia Rica!o A"#a $' %& c&$'(a coi$'($ !$ 5 i""o'$% !$ +$%o% $'%&a"$% * $" o"&$' !$ co'%i6'acio'$% 'o %&+$a "o% i""o'$% +o $%.
@ Si(&aci8' ?&;!ica !$" c"i$'($ S$ +$!i9 &' $+o($ !$ "a %i(&aci8' ?&;!ica !$" c"i$'($ co' $" /i' !$ $i/ica %&% a'($c$!$'($% ?&!icia"$%. Ya ,&$ $%($ a+o($ $% i'!i%+$'%a#"$ +aa $%c"a$c$ $" ca%o
2. ¿Es necesario avisar a las autoridades? D$+$'!$ a* ,&$ i'$%(i6a a" c"i$'($ +i$o %$ !$#$9 +$!i %o+o($% !$ !ico% !i'$o% * co+o#a ,&$ $%(a i'/oaci8' %$a $a * c"aa +aa %& $i/icaci8'. Si $%(o 'o $% c&+"i!o *a %$ "$ ai%aa a "a a&(oi!a!$% '$c$%aia +aa ,&$ (o$' ca(a% $' $" a%&'(o.
. ¿Se de!e "acer una investi#aci$n de la procedencia del dinero? Si a'($% %$ !$#$9 i'$%(i6a a" c"i$'($ +i!i$'!o "$ "o% %o+o($% !$ !ico !i'$o +aa co+o#a %& "$6a"i!a! $" c"i$'($ !$#$9 !a &'a $4+"icaci8' c"aa a" #a'co %o#$ "a% B"(ia% (a'%accio'$% *a %i $%(o 'o co'c&$!a co' "o% +a+$"$% +$!i!o% a" c"i$'($ * "a i'/oaci8' 'o $% c"aa * co'ci%a $" ca%o %$ (o'aa +ioi(aio * %$ !$#$' (oa "a% $!i!a% co$%+o'!i$'($%.
%. ¿Se de!e lla&ar al cliente para "a!lar con 'l? Si %$ !$#$9 ""aa a" c"i$'($ +aa ,&$ ac"a$ "o %&c$!i!o *a ,&$ $" c"i$'($ (i$'$ $" !$$co !$ !$/$'!$%$ !$ "o ,&$ %$ "$ $%(9 ac&%a'!o o $c"aa'!o (nadie es culpa!le "asta )ue se le de&uestre lo contrario*. Si $%(o 'o $% a%; * $" !i'$o !$" c"i$'($ %i (i$'$' &'a #&$'a +oc$!$'cia $" c"i$'($ 'o% !$a'!a;a +o !ica% ac&%acio'$% %i' 'i'6B' o(io $a% +aa ac$ !ica% ac&%acio'$%.
+. ¿Es prudente in,or&ar esta situaci$n sin tener certe-a de las causas )ue &otivaron estos ca&!ios en la situaci$n ,inanciera del cliente? No $% +&!$'($ *a ,&$ %i $%(o $%&"(a %i$'!o /a"%o * "o% !i'$o% 'o %o' !$ !ica +oc$!$'cia $" c"i$'($ %$ +o!;a $ o/&%ca!o co' $" #a'co * $" 6oo!i"" !$" #a'co %$ $9 a/$c(a!o * +o%i#"$$'($ "o% !$9% c"i$'($% %$ ""$$' &'a a"a ia6$' !$" #a'co. E'(o'c$% $% 9% +&!$'($ i'$%(i6a a /o'!o +i$o * %i %$ $'c&$'(a ,&$ %i %o' ci$(a% "a% %o%+$ca% !$" #a'co %$ "$ i'/oa a "a% $'(i!a!$% +$(i'$'($% $' $" ca%o.
