Resolución 11 UIF Asociaciones Mutuales y Cooperativas reguladas por las Leyes Nº 20.321 y Nº 20.337, inciso 20., de la Ley Nº 25.246 y sus modificatorias.

Unidad de Información Financiera
PREVENCION DEL LAVADO DE ACTIVOS Y DE LA FINANCIACION DEL TERRORISMO

Resolución 11/2012

Asociaciones Mutuales y Cooperativas reguladas por las Leyes Nº 20.321 y Nº 20.337, inciso 20., de la Ley Nº 25.246 y sus modificatorias.
Bs. As., 19/1/2012
VISTO el Expediente Nº 5808/2011 del registro de esta UNIDAD DE INFORMACION FINANCIERA, lo dispuesto en las Leyes Nº 25.246 (B.O. 10/05/2000), Nº 26.683 (B.O. 21/06/2011), Nº 26.734 (B.O. 28/12/2011); en los Decretos Nº 290/07 (B.O. 29/03/2007) y Nº 1936/10 (B.O. 14/12/2010), las Resoluciones UIF Nº 125/09 (BO 11/05/2009); Nº 11/11 (BO 14/01/2011); Nº 50/11 (B.O. 01/04/2011); Nº 51/11 (B.O. 01/04/2011); Nº 70/11 (B.O. 30/05/2011); Nº 165/11 (B.O. 17/10/2011); Nº 220/11 (B.O. 1/12/2011), y CONSIDERANDO: Que en virtud de lo establecido en el artículo 6º de las Leyes Nº 25.246 y sus modificatorias y Nº 26.734 esta UNIDAD DE INFORMACION FINANCIERA es el Organismo encargado del análisis, tratamiento y transmisión de información a los efectos de prevenir e impedir los delitos de Lavado de Activos (artículo 303 del Código Penal) y de Financiación del Terrorismo (artículos 41 quinquies y 306 del Código Penal). Que el inciso 2. del artículo 13 de la Ley Nº 25.246 y sus modificatorias establece que es competencia de la UNIDAD DE INFORMACION FINANCIERA disponer y dirigir el análisis de los actos, actividades y operaciones que puedan configurar actividades de Lavado de Activos o de Financiación del Terrorismo y, en su caso, poner los elementos de convicción obtenidos a disposición del MINISTERIO PUBLICO, para el ejercicio de las acciones pertinentes. Que, a esos efectos, la Ley Nº 25.246 y sus modificatorias enumera en su artículo 20 una serie de Sujetos Obligados a informar a esta UNIDAD DE INFORMACION FINANCIERA. Que los Sujetos Obligados, entre los que se encuentran enumeradas —en el inciso 20. del artículo 20 de la citada Ley—, LAS ASOCIACIONES MUTUALES Y COOPERATIVAS REGULADAS POR LAS LEYES Nº 20.321 Y Nº 20.337, deben cumplir con las disposiciones de los artículos 14; 20 bis; 21 y 21 bis de la Ley Nº 25.246, conforme la reglamentación dictada por esta UNIDAD DE INFORMACION FINANCIERA. Que el artículo 20 bis de la Ley Nº 25.246 y sus modificatorias define el contenido del deber de informar que tienen los Sujetos Obligados; prescribe que la UNIDAD DE INFORMACION FINANCIERA determinará el procedimiento y la oportunidad a partir de la cual los mismos cumplirán ante ella el deber de informar establecido por el artículo 21 de la mencionada ley y dispone que los Sujetos Obligados constituidos como Personas Jurídicas deberán designar un Oficial de Cumplimiento. Que en el inciso a. del artículo 21 precitado, se establecen las obligaciones a las que quedarán sometidos los Sujetos Obligados disponiéndose asimismo que la UNIDAD DE INFORMACION FINANCIERA fijará el término y la forma en que corresponderá archivar toda la información. Que el inciso b. del artículo 21 define el concepto de operación sospechosa y dispone que la UNIDAD DE INFORMACION FINANCIERA deberá establecer, a través de pautas objetivas, las modalidades, oportunidades y límites del cumplimiento de la obligación de informarlas, para cada categoría de obligado y tipo de actividad. Que, a su turno, el inciso c. del mencionado artículo dispone que los Sujetos Obligados deberán abstenerse de revelar al cliente o a terceros las actuaciones que se estén realizando en cumplimiento de la ley. Que el artículo 21 bis de la Ley Nº 25.246 y sus modificatorias, define el concepto de “cliente”; y establece que los Sujetos Obligados deberán requerir a sus clientes cierta información mínima, a los efectos de su identificación; adoptar medidas adicionales razonables a fin de obtener información sobre la verdadera identidad de la persona por cuenta de la cual actúan los clientes; prestar especial atención a las transacciones realizadas por las Personas Expuestas Políticamente; contar con un manual de procedimiento de prevención del Lavado de Activos y de la Financiación del Terrorismo; designar un Oficial de Cumplimiento; conservar la información y reportar los “hechos” u “operaciones sospechosas” de Lavado de Activos y de Financiación del Terrorismo observando los plazos establecidos, todo ello, conforme la reglamentación emitida por esta UNIDAD DE INFORMACION FINANCIERA. Que, en virtud de lo establecido en el artículo 14 de la Ley Nº 25.246 y sus modificatorias, esta UNIDAD DE INFORMACION FINANCIERA se encuentra facultada para: – Solicitar informes, documentos, y todo otro elemento que estime útil, a cualquier organismo público y a personas físicas o jurídicas —públicas o privadas— y que, en el marco del análisis de un reporte de operación sospechosa, los Sujetos Obligados no podrán oponer a esta UNIDAD DE INFORMACION FINANCIERA los secretos bancario, fiscal, bursátil o profesional, ni los compromisos legales o contractuales de confidencialidad (inciso 1.). – Actuar en cualquier lugar de la República en cumplimiento de las funciones legalmente establecidas (inciso 4.). – Disponer la implementación de sistemas de contralor interno para los Sujetos Obligados y establecer los procedimientos de Supervisión, Fiscalización e Inspección In Situ para el control del cumplimiento de las obligaciones establecidas en el artículo 21 de la Ley Nº 25.246 y sus modificatorias y de las resoluciones dictadas por esta UNIDAD DE INFORMACION FINANCIERA (inciso 7.). – Aplicar las sanciones previstas en el capítulo IV de la Ley Nº 25.246 y sus modificatorias (inciso 8.). – Emitir directivas e instrucciones que deberán cumplir e implementar los Sujetos Obligados, previa consulta con los Organismos específicos de Control; estableciéndose que estos últimos podrán dictar normas de procedimiento complementarias sin ampliar ni modificar los alcances definidos por dichas directivas e instrucciones (inciso 10.). Que a los efectos de emitir la presente resolución esta UNIDAD DE INFORMACION FINANCIERA ha tenido especialmente en cuenta las 40 Recomendaciones del GRUPO DE ACCION FINANCIERA INTERNACIONAL (FATF/GAFI) —aprobadas en el año 2003—, las 9 Recomendaciones Especiales del GAFI sobre Financiamiento del Terrorismo, como así también, otros antecedentes internacionales en materia de Lavado de Activos y de Financiación del Terrorismo. Que también se tuvo en consideración lo establecido en las Resoluciones UIF Nº 125/09 (Prevención de Financiación del Terrorismo); Nº 11/11 (Personas Expuestas Políticamente); Nº 50/11 (Registración de los Sujetos Obligados y, en su caso, de los Oficiales de Cumplimiento); Nº 51/11 (Sistema de Reporte de Operaciones Sospechosas “on line”); Nº 70/11 (Reporte Sistemático de Operaciones) y Nº 165/11 y Nº 220/11 (Procedimientos de Supervisión, Fiscalización e Inspección in Situ). Que, asimismo, se han mantenido diversas reuniones y recibido presentaciones del INSTITUTO NACIONAL DE ASOCIATIVISMO Y ECONOMIA SOCIAL, que fueron consideradas para el dictado de la presente resolución. Que en función de lo dispuesto en el mencionado inciso 10. del artículo 14 de la Ley Nº 25.246 y sus modificatorias, esta UNIDAD DE INFORMACION FINANCIERA ha efectuado la correspondiente consulta al Organismo específico de Control. Que la Dirección de Asuntos Jurídicos de esta UNIDAD DE INFORMACION FINANCIERA ha tomado la intervención que le compete. Que la presente se dicta en ejercicio de las facultades conferidas por los artículos 14 incisos 7. y 10., 20 bis, 21 y 21 bis de la Ley Nº 25.246 y sus modificatorias, previa consulta al Consejo Asesor de esta UNIDAD DE INFORMACION FINANCIERA. Por ello,
EL PRESIDENTE DE LA UNIDAD DE INFORMACION FINANCIERA RESUELVE:
Artículo 1º — Establécense las medidas y procedimientos que los Sujetos Obligados a los que se dirige la presente deberán observar para prevenir, detectar y reportar los hechos, actos, operaciones u omisiones que pudieran constituir delitos de Lavado de Activos y Financiación del Terrorismo.
CAPITULO I. DEFINICIONES
Art. 2º — A los efectos de la presente resolución se entenderá por: a) Sujetos Obligados: i) las entidades cooperativas que realicen operaciones de crédito, sujetas al régimen de la Ley Nº 20.337 y modificatorias, y Resoluciones de la Autoridad de Aplicación; ii) las asociaciones mutuales que prestan el servicio de ayuda económica mutual, y que se encuentran sujetas al régimen de la Ley Nº 20.321 y modificatorias, y a la Resolución INAES Nº 1418/03 (modificada por Resolución INAES Nº 2772/08 – T.O. según Resolución INAES Nº 2773/08) y iii) las entidades que prestan el servicio de gestión de préstamos regulado por la Resolución INAES Nº 1481/09. b) Cliente: todas aquellas personas físicas o jurídicas con las que se establece, de manera ocasional o permanente, una relación contractual de carácter financiero, económico o comercial. En ese sentido es cliente el que desarrolla una vez, ocasionalmente o de manera habitual, operaciones con los Sujetos Obligados, conforme lo establecido en la Ley Nº 25.246 y sus modificatorias. Asimismo quedan comprendidas en este concepto las simples asociaciones del artículo 46 del Código Civil y otros entes a los cuales las leyes especiales les acuerden el tratamiento de sujetos de derecho. Serán considerados también clientes quienes efectúen operaciones de aporte de capital, ya sea mediante la suscripción de cuotas sociales por parte asociados ya incorporados, o por los que vayan a incorporarse a la entidad; o por el mecanismo denominado de Integración y Suscripción de Capital Complementario a través de Títulos Cooperativos de Capitalización regulados por la Resolución INAES 593/99; o por cualquier otra operación o mecanismo que tenga por objeto incorporar sumas de dinero al capital social de la entidad. c) Personas Expuestas Políticamente: se entiende por personas expuestas políticamente a las comprendidas en la Resolución UIF vigente en la materia. d) Reportes Sistemáticos: son aquellas informaciones que obligatoriamente deberán remitir los Sujetos Obligados, a la UNIDAD DE INFORMACION FINANCIERA en forma mensual mediante sistema “on line”, conforme con las obligaciones establecidas en los artículos 14, inciso 1, y 21, inciso a., de la Ley Nº 25.246 y sus modificatorias. e) Operaciones Inusuales: son aquellas operaciones tentadas o realizadas en forma aislada o reiterada, sin justificación económica y/o jurídica, ya sea porque no guardan relación con el perfil económico, financiero, patrimonial o tributario del cliente, o porque se desvían de los usos y costumbres en las prácticas de mercado, por su frecuencia, habitualidad, monto, complejidad, naturaleza y/o características particulares. f) Operaciones Sospechosas: son aquellas operaciones tentadas o realizadas, que habiéndose identificado previamente como inusuales, luego del análisis y evaluación realizados por el Sujeto Obligado, las mismas no guardan relación con las actividades lícitas declaradas por el cliente, o cuando se verifiquen dudas respecto de la autenticidad, veracidad o coherencia de la documentación presentada por el cliente, ocasionando sospecha de Lavado de Activos; o aun cuando tratándose de operaciones relacionadas con actividades lícitas, exista sospecha de que estén vinculadas o que vayan a ser utilizadas para la Financiación del Terrorismo. g) Propietario/Beneficiario: se refiere a las personas físicas que tengan como mínimo el VEINTE (20) por ciento del capital o de los derechos de voto de una persona jurídica o que por otros medios ejerzan el control final, directo o indirecto sobre una persona jurídica, u otros entes asimilables de conformidad con lo dispuesto en la presente resolución.
CAPITULO II. POLITICAS PARA PREVENIR E IMPEDIR EL LAVADO DE ACTIVOS Y LA FINANCIACION DEL TERRORISMO. INFORMACION DE LOS ARTICULOS 20 BIS, 21 Y 21 BIS DE LA LEY Nº 25.246 Y SUS MODIFICATORIAS.
Art. 3º — Política de prevención. A los fines del correcto cumplimiento de las obligaciones establecidas en los artículos 20 bis; 21, incisos a. y b., y 21 bis de la Ley Nº 25.246 y sus modificatorias, los Sujetos Obligados deberán adoptar una política de prevención en materia de Lavado de Activos y Financiación del Terrorismo, de conformidad a la presente resolución. La misma deberá contemplar, por lo menos, los siguientes aspectos: a) La elaboración de un manual que contendrá los mecanismos y procedimientos para la prevención del Lavado de Activos y la Financiación del Terrorismo, que deberá observar las particularidades de su actividad. b) La designación de un Oficial de Cumplimiento conforme lo establece el artículo 20 bis de la Ley Nº 25.246 y sus modificatorias y el artículo 20 del Decreto Nº 290/07 y modificatorio. c) La implementación de auditorías periódicas. d) La capacitación del propio Sujeto Obligado o del personal si se encuentra constituido como persona jurídica. e) La elaboración de registros de análisis y gestión de riesgo de las operaciones inusuales detectadas y aquellas que por haber sido consideradas sospechosas hayan sido reportadas. f) La implementación de herramientas tecnológicas acordes con el desarrollo operacional del Sujeto Obligado, que permitan establecer de manera eficaz los sistemas de control y prevención del Lavado de Activos y la Financiación del Terrorismo. g) La implementación de medidas que le permita al Sujeto Obligado consolidar electrónicamente las operaciones que realiza con sus clientes, así como herramientas tecnológicas, tales como software, que posibiliten analizar o monitorear distintas variables para identificar ciertos comportamientos y visualizar posibles operaciones sospechosas.
Art. 4º — Manual de Procedimientos. El manual de procedimientos para la prevención del Lavado de Activos y la Financiación del Terrorismo deberá contemplar, por lo menos, los siguientes aspectos: a) Políticas de prevención del Lavado de Activos y Financiación del Terrorismo adoptadas por la máxima autoridad. b) Políticas coordinadas para el control y monitoreo. c) Funciones de la auditoría y los procedimientos de control interno que se establezcan tendientes a evitar el Lavado de Activos y la Financiación del Terrorismo. d) Funciones asignadas al Oficial de Cumplimiento. e) Plazos y términos en los cuales cada funcionario debe cumplir, según las responsabilidades propias del cargo, con cada uno de los mecanismos de control de prevención. f) Programa de capacitación. g) Políticas y procedimientos de conservación de documentos. h) Procedimiento a seguir para atender a los requerimientos de información efectuados por la UNIDAD DE INFORMACION FINANCIERA y por el Oficial de Cumplimiento. i) Metodologías y criterios para analizar y evaluar la información que permitan detectar operaciones inusuales y sospechosas, así como también el procedimiento para el reporte de las mismas. j) Parámetros aplicados a los sistemas implementados de prevención de Lavado de Activos y la Financiación del Terrorismo. k) Desarrollo y descripción de otros mecanismos que el Sujeto Obligado considere conducentes para prevenir y detectar operaciones de Lavado de Activos y la Financiación del Terrorismo. l) Procedimientos de segmentación del mercado de acuerdo con la naturaleza específica de las operaciones, el perfil de los clientes, las características del mercado, las clases del producto o servicio, como así también cualquier otro criterio que a juicio del Sujeto Obligado resulte adecuado para generar señales de alerta cuando las operaciones de los clientes se aparten de los parámetros establecidos como normales. m) El régimen sancionatorio para el personal de las entidades, en caso de incumplimiento de los procedimientos específicos contra el Lavado de Activos y Financiación del Terrorismo, en los términos previstos por la legislación laboral vigente.
Art. 5º — Disponibilidad del manual de procedimientos. El manual de procedimientos deberá estar siempre actualizado y disponible en todas las dependencias de los Sujetos Obligados, para todos los funcionarios y personal, considerando la naturaleza de las tareas que desarrollan, debiendo establecerse mecanismos que permitan constatar la recepción y lectura por parte de estos últimos. Asimismo deberán permanecer siempre a disposición de la UNIDAD DE INFORMACION FINANCIERA.
Art. 6º — Designación del Oficial de Cumplimiento. Los Sujetos Obligados deberán designar un Oficial de Cumplimiento, conforme lo dispuesto en el artículo 20 bis de la Ley Nº 25.246 y sus modificatorias y en el Decreto Nº 290/07 y su modificatorio. El Oficial de Cumplimiento será responsable de velar por la observancia e implementación de los procedimientos y obligaciones establecidos en virtud de esta resolución y de formalizar las presentaciones ante la UNIDAD DE INFORMACION FINANCIERA. Deberá comunicarse a la UNIDAD DE INFORMACION FINANCIERA el nombre y apellido, tipo y número de documento de identidad, cargo en el órgano de administración, fecha de designación y número de CUIT (clave única de identificación tributaria) o CUIL (código único de identificación laboral), los números de teléfono, fax, dirección de correo electrónico y lugar de trabajo de dicho Oficial de Cumplimiento. Esta comunicación debe efectuarse de acuerdo con lo dispuesto por la Resolución UIF Nº 50/11 (o la que en el futuro la complemente, modifique o sustituya) y además, por escrito en la sede de la UNIDAD DE INFORMACION FINANCIERA acompañándose toda la documentación de respaldo. El Oficial de Cumplimiento deberá constituir domicilio, donde serán válidas todas las notificaciones efectuadas. Una vez que haya cesado en el cargo deberá denunciar el domicilio real, el que deberá mantenerse actualizado durante el plazo de CINCO (5) años contados desde el cese. Cualquier sustitución que se realice del mismo deberá comunicarse fehacientemente a la UNIDAD DE INFORMACION FINANCIERA dentro de los QUINCE (15) días de realizada, señalando las causas que dieron lugar al hecho, continuando la responsabilidad del Oficial de Cumplimiento hasta la notificación de su sucesor a esta UNIDAD DE INFORMACION FINANCIERA. El Oficial de Cumplimiento debe gozar de absoluta independencia y autonomía en el ejercicio de las responsabilidades y funciones que se le asignan, debiendo garantizársele acceso irrestricto a toda la información que requiera en cumplimiento de las mismas. Los Sujetos Obligados podrán designar asimismo un Oficial de Cumplimiento suplente, quien desempeñará las funciones del titular en caso de ausencia, impedimento o licencia de este último. A estos fines deberán cumplirse los mismos requisitos y formalidades que para la designación del titular. Los Sujetos Obligados deberán comunicar a esta UNIDAD DE INFORMACION FINANCIERA, dentro de los CINCO (5) días de acaecidos los hechos mencionados en el párrafo precedente, la entrada en funciones del Oficial de Cumplimiento suplente, los motivos que la justifican y el plazo durante el cual se encontrará en funciones.
Art. 7º — Obligaciones del Oficial de Cumplimiento. El Oficial de Cumplimiento tendrá, por lo menos, las siguientes obligaciones: a) Velar por el cumplimiento de las políticas establecidas por la máxima autoridad del Sujeto Obligado para prevenir, detectar y reportar operaciones que puedan estar vinculadas a los delitos de Lavado de Activos y Financiación del Terrorismo. b) Diseñar e implementar los procedimientos y controles necesarios para prevenir, detectar y reportar las operaciones que puedan estar vinculadas a los delitos de Lavado de Activos y Financiación del Terrorismo. c) Diseñar e implementar políticas de capacitación formalizadas a través de procedimientos de entrenamiento y actualización continuos en la materia para los funcionarios y empleados del Sujeto Obligado, considerando la naturaleza de las tareas desarrolladas. d) Analizar las operaciones realizadas para detectar eventuales operaciones sospechosas. e) Formular los reportes sistemáticos y de operaciones sospechosas, de acuerdo con lo establecido en la presente resolución. f) Llevar el registro del análisis y gestión de riesgo de operaciones inusuales detectadas que contenga e identifique aquellas operaciones que por haber sido consideradas sospechosas hayan sido reportadas. g) Dar cumplimiento a los requerimientos efectuados por la UNIDAD DE INFORMACION FINANCIERA en ejercicio de sus facultades legales. h) Controlar la observancia de la normativa vigente en materia de prevención de Lavado de Activos y la Financiación del Terrorismo. i) Asegurar la adecuada conservación y custodia de la documentación. j) Prestar especial atención al riesgo que implican las relaciones comerciales y operaciones relacionadas con países o territorios donde no se aplican, o no se aplican suficientemente, las Recomendaciones del GRUPO DE ACCION FINANCIERA INTERNACIONAL. A estos efectos se deberá considerar como países o territorios declarados no cooperantes a los catalogados por el GRUPO DE ACCION FINANCIERA INTERNACIONAL (www.fatf-gafi.org). En igual sentido deberán tomarse en consideración las relaciones comerciales y operaciones relacionadas con países o territorios calificados como de baja o nula tributación (“paraísos fiscales”) según los términos del Decreto Nº 1037/00 y sus modificatorios, respecto de las cuales deben aplicarse medidas de debida diligencia reforzadas. k) Prestar especial atención a las nuevas tipologías de Lavado de Activos y Financiación del Terrorismo a los efectos de establecer medidas tendientes a prevenir, detectar y reportar toda operación que pueda estar vinculada a las mismas, como asimismo a cualquier amenaza de Lavado de Activos o Financiación del Terrorismo que surja como resultado del desarrollo de nuevas tecnologías que favorezcan el anonimato y de los riesgos asociados a las relaciones comerciales u operaciones que no impliquen la presencia física de las partes.
Art. 8º — Deberá preverse un sistema de auditoría interna anual que tenga por objeto verificar el cumplimiento efectivo de los procedimientos y políticas de prevención de Lavado de Activos y la Financiación del Terrorismo. Los resultados que arrojen los procedimientos de auditoría aplicados deberán ser comunicados anualmente al Oficial de Cumplimiento. En el caso que este último detecte deficiencias en cuanto a la implementación y cumplimiento de las políticas de prevención de Lavado de Activos y Financiación del Terrorismo, deberá adoptar las medidas necesarias para corregirlas.
Art. 9º — Capacitación. Los Sujetos Obligados deberán desarrollar un programa de capacitación dirigido a sus funcionarios y empleados en materia de prevención de Lavado de Activos y Financiación del Terrorismo que debe contemplar: a) La difusión de la presente resolución y de sus modificaciones, así como la información sobre técnicas y métodos para prevenir, detectar y reportar operaciones sospechosas. b) La adopción de un plan de capacitación.
CAPITULO III. POLITICA DE IDENTIFICACION Y CONOCIMIENTO DEL CLIENTE. INFORMACION DE LOS ARTICULOS 20 BIS, 21 Y 21 BIS DE LA LEY Nº 25.246 Y SUS MODIFICATORIAS.
Art. 10. — Política de Identificación. Los Sujetos Obligados deberán elaborar y observar una política de identificación y conocimiento del cliente, cuyos contenidos mínimos deberán ajustarse a lo previsto en los artículos 20 bis, 21, inciso a., y 21 bis de la Ley Nº 25.246 y sus modificatorias, el Decreto Nº 290/2007 y modificatorio y la presente resolución.
Art. 11. — La política de “Conozca a su Cliente” será condición indispensable para iniciar o continuar la relación comercial o contractual con el mismo. Dicha relación deberá basarse en el conocimiento de sus clientes prestando especial atención a su funcionamiento o evolución —según corresponda— con el propósito de evitar el Lavado de Activos y la Financiación del Terrorismo. A esos efectos el Sujeto Obligado observará lo siguiente: a) Antes de iniciar la relación comercial o contractual con el cliente deberá identificarlo, cumplir con lo dispuesto en la Resolución UIF sobre Personas Expuestas Políticamente, verificar que no se encuentre incluido en los listados de terroristas y/u organizaciones terroristas, de acuerdo con lo establecido en la Resolución UIF vigente en la materia y solicitar información sobre los servicios y/o productos requeridos y los motivos de su elección, todo ello conforme con lo establecido en la presente. b) Adicionalmente para el caso de los clientes que realicen operaciones por un monto anual que alcance o supere la suma de PESOS SESENTA MIL ($ 60.000), se deberá definir el perfil del cliente conforme lo previsto en el artículo 19 de la presente. En todos los casos, cuando el cliente realice aportes de capital por un monto que sea igual a superior a los PESOS SESENTA MIL ($ 60.000) anuales, dichas operaciones deberán ser efectuadas mediante transferencia bancaria, cheque de cuenta propia o por cualquier otro medio que indique que los fondos utilizados provienen de una cuenta bancaria propia.
Art. 12. — Datos a requerir a Personas Físicas. I- En el caso que el cliente sea una persona física, los Sujetos Obligados deberán recabar de manera fehaciente, por lo menos, la siguiente información: a) Nombre y apellido completos. b) Fecha y lugar de nacimiento. c) Nacionalidad. d) Sexo. e) Tipo y Número de documento de identidad que deberá exhibir en original y al que deberá extraérsele una copia. Se aceptarán como documentos válidos para acreditar la identidad, el Documento Nacional de Identidad, Libreta Cívica, Libreta de Enrolamiento, Cédula de Identidad otorgada por autoridad competente de los respectivos países limítrofes o Pasaporte. f) C.U.I.L. (código único de identificación laboral), C.U.I.T. (clave única de identificación tributaria) o C.D.I. (clave de identificación). Este requisito será exigible a extranjeros en caso de corresponder. g) Domicilio real (calle, número, localidad, provincia y código postal). h) Número de teléfono y dirección de correo electrónico. i) Declaración Jurada indicando estado civil y profesión, oficio, industria o actividad principal que realice y volumen de ingresos/facturación anual. j) Declaración Jurada indicando expresamente si reviste la calidad de Persona Expuesta Políticamente, de acuerdo con la Resolución UIF vigente en la materia. II- En el caso de personas físicas que encuadren dentro del supuesto previsto en el punto b) del artículo 11 de la presente resolución, se deberá requerir la información consignada en el apartado I precedente y la documentación respaldatoria para definir el perfil del cliente, conforme con lo previsto en el artículo 19 de la presente.
Art. 13.— Datos a requerir a Personas Jurídicas. I- En el caso que el cliente sea una persona jurídica, los Sujetos Obligados deberán recabar de manera fehaciente, por lo menos, la siguiente información: a) Denominación o Razón social. b) Fecha y número de inscripción registral. c) C.U.I.T. (clave única de indentificación tributaria) o C.D.I. (clave de identificación). Este requisito será exigible a personas jurídicas extranjeras en caso de corresponder. d) Fecha del contrato o escritura de constitución. e) Copia del estatuto social actualizado, certificada por escribano público o por el propio Sujeto Obligado. f) Domicilio legal (calle, número, localidad, provincia y código postal). g) Número de teléfono de la sede social, dirección de correo electrónico y actividad principal realizada y volumen de ingresos/facturación anual. h) Copia del acta del órgano decisorio designando autoridades, representantes legales, apoderados y/o autorizados con uso de firma social, certificadas por escribano público o por el propio Sujeto Obligado. i) Datos identificatorios de las autoridades, del representante legal, apoderados y/o autorizados con uso de firma, que operen ante el Sujeto Obligado en nombre y representación de la persona jurídica, conforme con lo prescripto en el punto I del artículo 12 de la presente. j) Titularidad del capital social (actualizada). k) Identificación de los Propietarios/Beneficiarios y de las personas físicas que directa o indirectamente ejerzan el control real de la persona jurídica. II- En el caso de personas jurídicas que encuadren dentro del supuesto previsto en el punto b) del artículo 11 de la presente resolución se deberá requerir la información consignada en el apartado I precedente y la documentación respaldatoria para definir el perfil del cliente, conforme con lo previsto en el artículo 19 de la presente.
Art. 14. — Datos a requerir a Organismos Públicos. Los Sujetos Obligados deberán determinar de manera fehaciente, como mínimo, en el caso de Organismos Públicos: a) Copia certificada del acto administrativo de designación del funcionario interviniente. b) Tipo y número de documento de identidad del funcionario que deberá exhibir en original. Se aceptarán como documentos válidos para acreditar la identidad, el Documento Nacional de Identidad, Libreta de Enrolamiento o Libreta Cívica, asimismo deberá informar su número de C.U.I.L. (código único de identificación laboral). c) C.U.I.T. (clave única de identificación tributaria), domicilio legal (calle, número, localidad, provincia y código postal) y teléfono de la dependencia en la que el funcionario se desempeña. d) Domicilio real del funcionario (calle, número, localidad, provincia y código postal).
Art. 15. — Datos a requerir de los Representantes. Al apoderado, tutor, curador o representante legal deberá requerírsele la información prescripta en el punto I del artículo 12 de la presente, el correspondiente poder del cual se desprenda el carácter invocado, en copia debidamente certificada.
Art. 16. — UTES, agrupaciones y otros entes. Los mismos recaudos indicados para las personas jurídicas serán necesarios en los casos de uniones transitorias de empresas, agrupaciones de colaboración empresaria, consorcios de cooperación, asociaciones, fundaciones, fideicomisos y otros entes con o sin personería jurídica.
Art. 17. — Los Sujetos Obligados deberán: a) Cuando existan elementos que lleven a suponer que los clientes no actúan por cuenta propia, obtener información adicional sobre la verdadera identidad de la persona (titular/cliente final o real) por cuenta de la cual actúa y tomar medidas razonables para verificar su identidad. b) Prestar atención para evitar que las personas físicas utilicen personas de existencia ideal como un método para realizar sus operaciones. c) Evitar operar con personas de existencia ideal que simulen desarrollar una actividad comercial o una actividad sin fines de lucro. d) En los casos de Fideicomisos identificar a los fiduciarios, fiduciantes, beneficiarios y fideicomisarios, aplicándose los requisitos de identificación previstos en los artículos que anteceden. Deberá adicionalmente determinarse el origen de los bienes fideicomitidos y de los fondos de los beneficiarios. e) Los Sujetos Obligados sólo podrán realizar transacciones a distancia con personas previamente incorporadas como clientes. f) Prestar especial atención al riesgo que implican las relaciones comerciales y operaciones relacionadas con países o territorios donde no se aplican, o no se aplican suficientemente, las Recomendaciones del GRUPO DE ACCION FINANCIERA INTERNACIONAL. A estos efectos se deberá considerar como países o territorios declarados no cooperantes a los catalogados por el GRUPO DE ACCION FINANCIERA INTERNACIONAL (www.fatf-gafi.org). En igual sentido deberán tomarse en consideración las relaciones comerciales y operaciones relacionadas con países o territorios calificados como de baja o nula tributación (“paraísos fiscales”) según los términos del Decreto Nº 1037/00 y sus modificatorios, respecto de las cuales deben aplicarse medidas de debida diligencia reforzadas. g) Al operar con otros Sujetos Obligados deberán solicitar a los mismos una declaración jurada sobre el cumplimiento de las disposiciones vigentes en materia de prevención del Lavado de Activos y la Financiación del Terrorismo. h) Prestar especial atención al riesgo que implican las operaciones que se efectúen con dinero en efectivo. i) Establecer un seguimiento reforzado sobre los depósitos en efectivo que reciban, evaluando que se ajusten al perfil de riesgo del cliente, en función de la política de “conozca a su cliente” que hayan implementado.
Art. 18. — Política de conocimiento del cliente debe incluir criterios, medidas y procedimientos que contemplen al menos: a) La determinación del perfil de cada cliente, conforme a lo establecido en el artículo 11 de la presente. b) El seguimiento de las operaciones realizadas por los clientes. c) La identificación de operaciones que se apartan del perfil de cada cliente.
Art. 19. — Perfil del Cliente. Los Sujetos Obligados deberán definir un perfil del cliente, que estará basado en la información y documentación relativa a la situación económica, patrimonial, financiera y tributaria (manifestación de bienes, certificación de ingresos, declaraciones juradas de impuestos, estados contables auditados por Contador Público y certificados por el Consejo Profesional correspondiente, documentación bancaria, etc., según corresponda) que hubiera proporcionado el mismo y en la que hubiera podido obtener el propio Sujeto Obligado que justifique el origen de los fondos involucrados en las operaciones que realiza. En base a la información y documentación a que se refiere el párrafo precedente, los Sujetos Obligados establecerán un monto anual estimado de operaciones, por año calendario, para cada cliente. A estos efectos los Sujetos Obligados utilizarán para las operaciones pasivas y neutras criterios similares a los establecidos para las operaciones activas. También deberán tenerse en cuenta el monto, tipo, naturaleza y frecuencia de las operaciones que habitualmente realiza el cliente, así como el origen y destino de los recursos involucrados en su operatoria.
Art. 20. — Durante el curso de la relación contractual o comercial el Sujeto Obligado deberá llevar a cabo las siguientes acciones: a) Verificar que los clientes no se encuentren incluidos en los listados de terroristas y/u organizaciones terroristas de conformidad con lo prescripto en la Resolución UIF vigente en la materia. La periodicidad de dicha tarea deberá constar en el manual de procedimientos. b) Verificar si los clientes reúnen la condición de Personas Expuestas Políticamente de conformidad con lo prescripto en la Resolución UIF vigente en la materia. La periodicidad de dicha verificación deberá constar en el manual de procedimientos. c) Adoptar políticas de análisis de riesgo. De acuerdo con las características particulares de los diferentes productos que ofrezcan, cada Sujeto Obligado deberá diseñar y poner en práctica mecanismos de control que le permitan alcanzar un conocimiento integral y adecuado de todos sus clientes en función de las políticas de análisis de riesgo que haya implementado. Dichas políticas de análisis de riesgo deben ser graduales, aplicándose medidas reforzadas para aquellos clientes clasificados como de mayor riesgo, estableciendo una mayor frecuencia para la actualización y análisis de la información respecto de su situación económica, patrimonial, financiera y tributaria, como así también de su estructura societaria y de control. Definir los parámetros para cada tipo de cliente basados en su perfil inicial y evolución posterior y en función de las políticas de análisis de riesgo implementadas por cada Sujeto Obligado. e) Monitoreo de las operaciones. Los datos obtenidos para cumplimentar el conocimiento del cliente deberán actualizarse cuando se detecten operaciones consideradas inusuales de acuerdo con la valoración prudencial de cada Sujeto Obligado cuando se realicen transacciones importantes, cuando se produzcan cambios relativamente importantes en la forma de operar del cliente, cuando existan sospechas de Lavado de Activos y de Financiación del Terrorismo y/o cuando dentro de los parámetros de riesgo adoptados por la entidad se considere necesario efectuar dicha actualización. Tendrá en consideración —entre otros aspectos— que, la cantidad de cuentas en cuya titularidad figure una misma persona, como el movimiento que registren (ya sea por operaciones realizadas por cuenta propia o por cuenta de terceros cuando se trate de la gestión de cobro de cheques), guarde razonable relación con el desarrollo de las actividades declaradas por los clientes. Asimismo, cuando se trate de cuentas recaudadoras, las entidades deberán prever que dichas cuentas no se utilicen para otros fines, tales como gestión de cobro de cheques. Establecer un esquema específico de control y monitoreo de las operaciones realizadas en cuentas de corresponsalía abiertas por los Sujetos Obligados. Con el fin de lograr un adecuado control de las operaciones que realizan los clientes, se deberán adoptar parámetros de segmentación o cualquier otro instrumento de similar eficacia, por niveles de riesgo, por clase de producto o por cualquier otro criterio, que permita identificar las operaciones inusuales, para lo cual deberán implementarse niveles de desarrollo tecnológico adecuados al tipo y volumen de operaciones de cada Sujeto Obligado que aseguren la mayor cobertura y alcance de sus mecanismos de control. f) En caso de detectarse operaciones inusuales se deberá profundizar el análisis de las mismas con el fin de obtener información adicional que corrobore o revierta la/s inusualidad/es, dejando constancia por escrito de las conclusiones obtenidas y de la documentación respaldatoria verificada, conservando copia de la misma. g) Cuando a juicio del Sujeto Obligado se hubieran realizado o tentado operaciones sospechosas, deberá dar cumplimiento a lo establecido en el Capítulo VI de la presente resolución.
Art. 21. — Indelegabilidad. Las obligaciones emergentes del presente capítulo no podrán ser delegadas en terceras personas ajenas a los Sujetos Obligados.
CAPITULO IV. LEGAJO DE CLIENTE. CONSERVACION DE LA DOCUMENTACION.
Art. 22. — Legajo del Cliente. El legajo del cliente deberá contener las constancias del cumplimiento de los requisitos prescriptos en los artículos 10 a 16 (según corresponda) y 19 de la presente resolución. Asimismo debe incluir todo dato intercambiado entre el cliente y el Oficial de Cuenta del Sujeto Obligado, a través de medios físicos o electrónicos, y cualquier otra información o elemento que contribuya a reflejar el perfil del cliente o que el Sujeto Obligado considere necesario para el debido conocimiento del cliente. Cuando el Legajo de Cliente sea requerido por esta UNIDAD DE INFORMACION FINANCIERA deberán remitirse las constancias que prueben el cumplimiento de lo dispuesto en el apartado f) del artículo 20 de la presente resolución.
Art. 23. — Conservación de la documentación. Conforme con lo establecido por el artículo 20 bis, 21 y 21 bis de la Ley Nº 25.246 y sus modificatorias y su decreto reglamentario, los Sujetos Obligados deberán conservar y mantener a disposición de esta UNIDAD DE INFORMACION FINANCIERA para que sirva como elemento de prueba en toda investigación en materia de Lavado de Activos y Financiación del Terrorismo y permita la reconstrucción de la operatoria, la siguiente documentación: a) Respecto de la identificación y conocimiento del cliente, el legajo y toda la información complementaria que haya requerido, durante un período mínimo de DIEZ (10) años, contados desde la finalización de la relación con el cliente. b) Respecto de las transacciones u operaciones, los documentos originales o copias certificadas por la entidad, durante un período mínimo de DIEZ (10) años, contados desde la realización de las transacciones u operaciones. c) El registro del análisis de las operaciones inusuales previsto en el inciso f) del artículo 20 de la presente resolución, deberá conservarse por un plazo mínimo de DIEZ (10) años, contados desde la finalización de la relación con el cliente. d) Los soportes informáticos relacionados con transacciones u operaciones deberán conservarse por un plazo mínimo de DIEZ (10) años, contados desde la finalización de la relación con el cliente, a los efectos de la reconstrucción de la operatoria, debiendo el Sujeto Obligado garantizar la lectura y procesamiento de la información digital.
CAPITULO V. REPORTE SISTEMATICO DE OPERACIONES.
Art. 24. — Los Sujetos Obligados deberán comunicar a la UNIDAD DE INFORMACION FINANCIERA las informaciones previstas en la Resolución UIF vigente en la materia.
CAPITULO VI. REPORTE DE OPERACIONES SOSPECHOSAS
Art. 25. — Los Sujetos Obligados deberán reportar a la UNIDAD DE INFORMACION FINANCIERA, conforme con lo establecido en los artículos 20 bis, 21, inciso b), y 21 bis de la Ley Nº 25.246 y sus modificatorias, aquellas operaciones inusuales que, de acuerdo con la idoneidad exigible en función de la actividad que realizan y el análisis efectuado, consideren sospechosas de Lavado de Activos o Financiación del Terrorismo. Deberán ser especialmente valoradas, las siguientes circunstancias que se describen a mero título enunciativo: a) Los montos, tipos, frecuencia y naturaleza de las operaciones que realicen los clientes que no guarden relación con los antecedentes y la actividad económica de ellos. b) Los montos inusualmente elevados, la complejidad y las modalidades no habituales de las operaciones que realicen los clientes. c) Cuando transacciones de similar naturaleza, cuantía, modalidad o simultaneidad, hagan presumir que se trata de una operación fraccionada a los efectos de evitar la aplicación de los procedimientos de detección y/o reporte de las operaciones. c) Ganancias o pérdidas continuas en operaciones realizadas repetidamente entre las mismas partes. d) Cuando los clientes se nieguen a proporcionar datos o documentos requeridos por las entidades o bien cuando se detecte que la información suministrada por los mismos se encuentre alterada. e) Cuando el cliente no da cumplimiento a la presente resolución u otras normas de aplicación en la materia. f) Cuando se presenten indicios sobre el origen, manejo o destino ilegal de los fondos utilizados en las operaciones, respecto de los cuales el Sujeto Obligado no cuente con una explicación. g) Cuando el cliente exhibe una inusual despreocupación respecto de los riesgos que asume y/o costos de las transacciones incompatible con el perfil económico del mismo. h) Cuando las operaciones involucren países o jurisdicciones considerados “paraísos fiscales” o identificados como no cooperativos por el GRUPO DE ACCION FINANCIERA INTERNACIONAL. i) Cuando existiera el mismo domicilio en cabeza de distintas personas jurídicas o cuando las mismas personas físicas revistieren el carácter de autorizadas y/o apoderadas en diferentes personas de existencia ideal, y no existiere razón económica o legal para ello, teniendo especial consideración cuando alguna de las compañías u organizaciones estén ubicadas en paraísos fiscales y su actividad principal sea la operatoria “off shore”. j) Integraciones de capital social por montos significativos sin contar con documentación respaldatoria sobre el origen de los fondos. k) Depósitos y saldos mensuales obrantes en las cuentas de titularidad de los asociados, en moneda nacional o extranjera, por importes significativos que resultan inconsistentes con la documentación de respaldo. l) Recepción de cheques para ser empleados en operaciones de gestión de cobranzas cuando ésta sea la actividad principal del Sujeto Obligado. m) Representantes y/o empleados del Sujeto Obligado que presenten un crecimiento repentino y/o inusual de sus operatorias de depósitos o préstamos otorgados en condiciones más favorables o ventajosas que el resto de los asociados. n) Aportes de los asociados o depósitos de cheques, en las cuentas bancarias del Sujeto Obligado, cuyos firmantes son explotaciones agropecuarias o provienen de actividades disímiles a su actividad declarada y/u objeto social. ñ) Aportes de capital recibidos en efectivo o mediante transferencias provenientes de cuentas bancarias de países o áreas internacionalmente consideradas por el GRUPO DE ACCION FINANCIERA INTERNACIONAL como paraísos fiscales o no cooperativos. o) Pagos anticipados y/o imprevistos de préstamos, sin que exista una explicación razonable del origen del dinero. p) Apertura de cuentas en las que ingresan fondos provenientes de instituciones financieras, manteniéndolos por un corto período de tiempo y transfiriéndolos posteriormente. q) Cuentas que —estando inactivas por un largo período— comienzan repentinamente a recibir depósitos por grandes importes; o que se utilizan esporádicamente para la recepción de los mismos. r) Cuentas que reciben o transfieren fondos cuando el titular de la misma se encuentra implicado en investigaciones o procesos judiciales, por hechos que guardan relación con la legitimación de ganancias ilícitas. s) Asociados que mantienen un elevado número de cuentas operativas, sin que sus actividades personales o comerciales lo justifiquen, o cuando la totalidad de los fondos depositados en ellas no guarde relación con la actividad declarada por el titular. t) Asociados que mantienen cuentas con saldos importantes y que se mantienen inactivas por un largo período de tiempo. u) Solicitudes de préstamos garantizados por un aval emitido por una entidad financiera extranjera o por cheques de terceros. v) Pagos de préstamos por parte de los asociados utilizando cheques de terceros. w) Cualquier otra operación que por sus características, monto y/o forma de realización puedan configurar indicios de Lavado de Activos o Financiación del Terrorismo. x) Operaciones de estructuración en la salida de fondos de las cuentas corrientes bancarias, de titularidad del Sujeto Obligado. y) Importantes movimientos de fondos depositados en cuentas de terceras personas vinculadas, a fin de transferir, adquirir y/o cancelar productos financieros con el objeto de dificultar la identificación y seguimiento del dinero. z) Liquidación de operaciones de venta de cereales, otros productos agropecuarios u otros bienes en general, por montos elevados a asociados de la entidad, cuyo perfil no se corresponde con los montos liquidados (por ejemplo, por revestir la calidad de adherido al “régimen impositivo simplificado monotributo”).
Art. 26. — Deber de Fundar el Reporte. El reporte de operaciones sospechosas debe ser fundado y contener una descripción de las circunstancias por las cuales se considera que la operación detenta tal carácter.
Art. 27. — El reporte de operaciones sospechosas deberá ajustarse a lo dispuesto en la Resolución UIF Nº 51/2011 (o la que en el futuro la complemente, modifique o sustituya). Los Sujetos Obligados deberán conservar toda la documentación de respaldo, la que permanecerá a disposición de esta UNIDAD DE INFORMACION FINANCIERA y será remitida dentro de las CUARENTA Y OCHO (48) horas de ser solicitada. A tales efectos se reputan válidos los requerimientos efectuados por la UNIDAD DE INFORMACION FINANCIERA en la dirección de correo electrónico declarada por el Sujeto Obligado o por el Oficial de Cumplimiento, según el caso, de acuerdo con la registración prevista en la Resolución UIF Nº 50/2011.
Art. 28. — Independencia de los Reportes. En el supuesto que una operación de reporte sistemático sea considerada por el Sujeto Obligado como una operación sospechosa, éste deberá formular los reportes en forma independiente.
Art. 29. — Confidencialidad del Reporte. Los reportes de operaciones sospechosas no podrán ser exhibidos al cliente, ni ante los organismos de control de la actividad, de conformidad con lo dispuesto en los artículos 21 inciso c. y 22 de la Ley Nº 25.246 y sus modificatorias; excepto para el caso del INSTITUTO NACIONAL DE ASOCIATIVISMO Y ECONOMIA SOCIAL cuando actúe en algún procedimiento de supervisión, fiscalización e inspección in situ, en el marco de la colaboración que ese Organismo de Contralor debe prestar a esta UNIDAD DE INFORMACION FINANCIERA, en los términos del artículo 14, inciso 7., de la Ley Nº 25.246 y sus modificatorias.
Art. 30. — Plazo de reporte de operaciones sospechosas de Lavado de Activos. El plazo máximo para reportar hechos u operaciones sospechosas de Lavado de Activos será de CIENTO CINCUENTA (150) días corridos, a partir de la operación realizada o tentada.
Art. 31. — Plazo de reporte de operaciones sospechosas de Financiación del Terrorismo. El plazo máximo para reportar hechos u operaciones sospechosas de financiación de terrorismo será de CUARENTA Y OCHO (48) horas, a partir de la operación realizada o tentada, habilitándose días y horas inhábiles al efecto. Asimismo deberá estarse a lo dispuesto en la Resolución UIF vigente en la materia.
Art. 32. — Informe sobre la calidad del Reporte. Con la finalidad de mejorar la calidad de los reportes sistemáticos y de operaciones sospechosas, la UNIDAD DE INFORMACION FINANCIERA anualmente emitirá informes sobre la calidad de los mismos.
CAPITULO VII. SANCIONES
Art. 33. — El incumplimiento de cualquiera de las obligaciones y deberes establecidos en la presente resolución serán pasibles de sanción conforme al Capítulo IV de la Ley Nº 25.246 y sus modificatorias.
Art. 34. — La presente resolución comenzará a regir a partir de su publicación en el Boletín Oficial.
Art. 35. — Comuníquese, publíquese, dése a la Dirección Nacional del Registro Oficial y archívese. — José A. Sbatella.

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