{"id":6030,"date":"2025-02-06T05:50:21","date_gmt":"2025-02-06T05:50:21","guid":{"rendered":"https:\/\/banxa.com\/politica-aml\/"},"modified":"2026-04-23T20:05:21","modified_gmt":"2026-04-23T20:05:21","slug":"politica-aml","status":"publish","type":"page","link":"https:\/\/banxa.com\/es\/politica-aml\/","title":{"rendered":"Pol\u00edtica AML"},"content":{"rendered":"\n<p>Pol\u00edtica contra el blanqueo de capitales y la financiaci\u00f3n del terrorismo (\u201cAML\/CTF Policy\u201d) establece los procesos y controles to help us prevent, identify, manage and mitigate risks of us being involved in any kind of illegal activity, in particular money laundering.<\/p>\n\n<p>El blanqueo de capitales es el proceso de ocultar o disfrazar el origen de fondos obtenidos ilegalmente (dinero sucio) para hacerlos parecer leg\u00edtimos (limpios), por ejemplo, filtrando el dinero a trav\u00e9s del sistema financiero. Como tal, las empresas que ofrecen servicios financieros, como la nuestra, son espec\u00edficamente objetivo de los delincuentes.<\/p>\n\n<p>En respuesta a la escala y efecto del blanqueo de capitales, leyes locales e internacionales, incluidas directivas de la Uni\u00f3n Europea, se han dise\u00f1ado para combatir el blanqueo de capitales y la financiaci\u00f3n del terrorismo.<\/p>\n\n<p>Nuestra pol\u00edtica AML\/CTF cubre lo siguiente:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Identificaci\u00f3n del cliente &amp; Procedimientos de verificaci\u00f3n\u00a0<\/strong>\u2013 tenemos adequate controls and procedures to ensure we know with whom estamos conducting business, commonly referred to as\u00a0<strong>Know Your Customer (KYC)<\/strong>, incluyendo\u00a0<strong>Enhanced Due Diligence (EDD)<\/strong>\u00a0measures for customers deemed as higher risk, for example\u00a0<strong>Politically Exposed Persons (PEPs)<\/strong>.<\/li>\n\n\n\n<li><strong>Verificaci\u00f3n de tarjeta<\/strong>\u00a0\u2013 para clientes que utilizan tarjetas de pago, disponemos de procedimientos de verificaci\u00f3n de tarjetas for example, Verificaci\u00f3n del instrumento de pago (PIV) or 3D Secure authentication.<\/li>\n\n\n\n<li><strong>Monitorizaci\u00f3n de transacciones &amp; Monitorizaci\u00f3n continua<\/strong>\u00a0\u2013 we analyse data and transactional patterns as a risk-assessment and suspicion detection tool.<\/li>\n\n\n\n<li><strong>Oficial de reporte de blanqueo de capitales (MLRO) \u2013<\/strong>\u00a0tenemos appointed a MLRO with sufficient level of seniority, who has responsibility for oversight of compliance with the relevant legislations, regulations, rules and industry guidance.<\/li>\n\n\n\n<li><strong>Evaluaci\u00f3n y gesti\u00f3n de riesgos<\/strong>\u00a0\u2013 tenemos adopted a risk-based approach to combating money laundering and terrorist financing. We achieve this by accurately measuring our risk profile, balancing it with the need to optimise financial growth opportunities, and implementing processes and controls that commensurate with identified risks. This allows us to allocate resources in the most efficient ways.<\/li>\n\n\n\n<li><strong>Mantenimiento de registros<\/strong>\u00a0\u2013 we maintain and keep appropriate records for legally prescribed periods;<\/li>\n\n\n\n<li><strong>Reporte de actividades sospechosas<\/strong>\u00a0\u2013 we report suspicious activity to the relevant law enforcement authorities in all jurisdictions we operate;<\/li>\n\n\n\n<li><strong>Pol\u00edtica de sanciones<\/strong>\u00a0\u2013 we screen against the United Nations, European Union, UK Treasury and US Office of Foreign Assets Control (OFAC) sanctions lists in all jurisdictions we operate;<\/li>\n\n\n\n<li><strong>Diligencia debida de empleados and Formaci\u00f3n en concienciaci\u00f3n de riesgos<\/strong>\u00a0\u2013 we screen all employees and conduct additional background checks on entrusted employees. We provide training for all relevant employees on an ongoing basis.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Pol\u00edtica contra el blanqueo de capitales y la financiaci\u00f3n del terrorismo (\u201cAML\/CTF Policy\u201d) establece los procesos y controles to help us prevent, identify, manage and mitigate risks of us being involved in any kind of illegal activity, in particular money laundering. El blanqueo de capitales es el proceso de ocultar o disfrazar el origen de [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6030","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pol\u00edtica AML \u2013 Cumplimiento contra el blanqueo de capitales | Banxa<\/title>\n<meta name=\"description\" content=\"Lea la pol\u00edtica contra el blanqueo de capitales (AML) de Banxa. 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