Desde multas hasta penas en prisión para las empresas que no cumplan con la regulación al validar la identidad de sus clientes.
En 2016 se reveló un escándalo con la información proporcionada por el Consorcio Internacional de Periodistas de Investigación en el caso conocido como Panama Papers. Empresarios provenientes de todo el mundo contrataron a la firma Mossack Fonseca, dedicada a fundar compañías en paraísos fiscales donde el pago de impuestos es bajo o nulo y ocultaba la identidad de sus clientes.
Uno de los temas que más se discutieron tras ese incidente fue la necesidad de fortalecer las políticas de KYC en el mundo para evitar actividades ilícitas e imponer sanciones legales más severas a las empresas que no cumplieran con las mismas. En ese sentido, México ha hecho una regulación cada vez más rígida; los bancos, casas de cambio, casas de bolsa, vendedores de bienes costosos como joyas, autos, piezas de arte y muchas otras empresas más, están obligadas a validar la identidad de sus clientes.
¿Por qué las leyes mexicanas te obligan a validar la identidad de tus clientes?
El lavado de dinero, la evasión fiscal y el fraude se han convertido en problemas graves para nuestra economía. En el pasado, algunas personas se aprovechaban de que los bancos no estaban obligados a revelar la información de sus clientes a las autoridades, para llevar a cabo estos ilícitos, en ocasiones relacionados con otros mucho más graves como el financiamiento a actividades criminales o el narcotráfico. Actualmente, hay legislación al respecto, por ejemplo, la conocida como Ley antilavado, obliga a los bancos a reportar cualquier actividad sospechosa de los usuarios.
Otro de los problemas tiene que ver con el acelerado crecimiento de los servicios digitales, que ha traído como consecuencia un aumento alarmante en delitos relacionados con el robo de identidad. Según la CONDUSEF, en el 2011 los fraudes cibernéticos representaban el 8% del total y para el 2018 crecieron al 59%. Para frenar este problema, la regulación mexicana obliga a las entidades financieras y otras empresas a validar la identidad de sus clientes.
¿Qué leyes contemplan la validación de identidad en México?
Nuestro país posee una regulación sólida en la materia; en 2012 se promulgó la Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita (LPIORPI); donde se obliga no sólo a los bancos a validar la identidad de sus clientes, sino también a agencias automotrices, joyerías, notarios públicos, vendedores de arte, agentes inmobiliarios, entre otras empresas.
Atendiendo al acelerado proceso de transformación digital, se promulgó en 2018 la Ley Fintech (Ley para Regular las Instituciones de Tecnología Financiera) que regula a las empresas que desarrollan nuevos modelos de negocio a través de medios digitales para prestar servicios financieros. Por ejemplo, cuando decides usar los servicios de un banco 100% digital que no tiene sucursales físicas, este debe llevar a cabo un proceso de validación de identidad forzosamente.
Otra disposición es la realizada por la Comisión Nacional Bancaria y de Valores, quién emitió las Disposiciones de Carácter General Aplicables a las Instituciones de Crédito, donde se contemplan las obligaciones para instituciones como Banobras, Banjercito, bancos comerciales, sociedades de ahorro, entre otras, que les obligan a establecer políticas de validación de identidad con sus clientes, por ejemplo, los bancos comerciales deben establecer parámetros de identificación con biométricos para la apertura de cuentas y así prevenir el robo de identidad.
¿Qué sanciones se aplican si no se cumple con la validación de identidad?
Las empresas obligadas por la LPIORPI que no cumplan con el deber de validar la identidad de sus clientes, deberán pagar una multa que oscila entre los 200 y los 2000 UMA (de 16,898.00 a 168,980.00 pesos en 2020).
En el caso de las empresas que prestan servicios financieros a través de medios digitales, es decir, las reguladas por la Ley Fintech, que no cumplan con sus obligaciones de validación de identidad deberán pagar una multa que puede ir de los diez a cien mil veces el valor de la UMA (entre 868.00 y 8,688, 000.00 pesos en 2020)
Cuando las empresas no implementan adecuadamente las políticas de KYC, alguno de sus empleados o directivos puede resultar asociados a delitos graves como por ejemplo el de operaciones con recursos de procedencia ilícita, el cual tiene una pena de 5 a 15 años de prisión o el de financiamiento al terrorismo, cuya pena va de los 15 a los 40 años de prisión.
Evita cualquier tipo de sanción
Las sanciones previstas por la regulación mexicana en cuanto a validación de identidad son severas; sabemos que cumplir con los requerimientos legales puede resultar abrumador, sin embargo Tu identidad te ayuda a que puedas llevarlo a cabo fácilmente, y te acompaña en el proceso de principio a fin, poniendo a tu servicio distintos módulos:
- Identificación oficial
- Prueba de vida e identificación facial
- Biometría dactilar
- Comprobante de domicilio con geolocalización
- Firma digital
- Consulta de antecedentes en listas negras
Validar la identidad de tus clientes no sólo te permitirá cumplir con la regulación y evitar sanciones, sino que te ayudará a mitigar fraudes y a desarrollar nuevas oportunidades de negocio para seguir creciendo en el mundo digital.
Si quieres conocer más sobre nuestros servicios, no dudes en contactarnos y agendar una demo.
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