{"id":17063,"date":"2026-03-06T08:57:25","date_gmt":"2026-03-06T14:57:25","guid":{"rendered":"https:\/\/www.romeropineda.com\/?p=17063"},"modified":"2026-05-19T09:02:29","modified_gmt":"2026-05-19T15:02:29","slug":"monitoreo-de-operaciones","status":"publish","type":"post","link":"https:\/\/www.romeropineda.com\/en\/monitoreo-de-operaciones\/","title":{"rendered":"Monitoreo de Operaciones"},"content":{"rendered":"
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Por; Roberto Morales, gerente de Compliance<\/p>\n\n\n\n

\"\"
An analyst uses a computer and dashboard for data business analysis and Data Management System with KPI and metrics connected to the database for technology finance, operations, sales, marketing<\/figcaption><\/figure>\n\n\n\n

Recordemos que el programa de prevenci\u00f3n de lavado de activos est\u00e1 compuesto de varios procesos, uno de ellos es el Monitoreo de Operaciones, consiste en detectar operaciones que son inusuales y posterior al an\u00e1lisis, se establezca que son sospechosas.<\/p>\n\n\n\n

Para ello se debe establecer los lineamientos y procedimientos para el monitoreo permanente de las operaciones realizadas por los clientes, con el fin de identificar oportunamente transacciones inusuales que pudieran estar relacionadas con el lavado de dinero, activos o el financiamiento del terrorismo, en cumplimiento de la normativa vigente en la Rep\u00fablica de El Salvador.<\/p>\n\n\n\n

Cuando, luego del an\u00e1lisis, no encontremos justificaci\u00f3n razonable o se identifiquen indicios de LA\/FT, la operaci\u00f3n ser\u00e1 calificada como sospechosa por el Oficial de Cumplimiento para la elaboraci\u00f3n y env\u00edo del Reporte de Operaci\u00f3n Sospechosa(ROS) a la UIF, dentro de los plazos establecidos por la ley.<\/p>\n\n\n\n

El alcance aplica a todas las operaciones, productos, servicios, canales y clientes, independientemente del monto de la transacci\u00f3n, medio de pago o frecuencia, incluyendo operaciones presenciales, no presenciales, electr\u00f3nicas y en efectivo, que pueden ser a trav\u00e9s de terceros.<\/p>\n\n\n\n

La entidad deber\u00e1 contar con un perfilde cada cliente, el cual incluir\u00e1, como m\u00ednimo:<\/p>\n\n\n\n

    \n
  • Actividad econ\u00f3mica declarada.<\/li>\n\n\n\n
  • Origen y destino de fondos.<\/li>\n\n\n\n
  • Volumen y frecuencia esperada de operaciones.<\/li>\n\n\n\n
  • Productos y servicios utilizados.<\/li>\n\n\n\n
  • Jurisdicciones relacionadas.<\/li>\n<\/ul>\n\n\n\n

    Dicho perfil servir\u00e1 como base para evaluar la consistencia y razonabilidad de las operaciones realizadas, aunque existe la posibilidad de que la empresa requiera informaci\u00f3n extra de una o varias transacciones realizadas.<\/p>\n\n\n\n

    <\/p>\n\n\n\n

    Modalidades de monitoreo<\/p>\n\n\n\n

    Monitoreo autom\u00e1tico: <\/strong>Cuando la entidad disponga de herramientas tecnol\u00f3gicas, se deber\u00e1n implementar sistemas que permitan:<\/p>\n\n\n\n

      \n
    • Detectar operaciones fuera de los par\u00e1metros normales.<\/li>\n\n\n\n
    • Generar alertas autom\u00e1ticas.<\/li>\n\n\n\n
    • Registrar y almacenar la informaci\u00f3n analizada.<\/li>\n<\/ul>\n\n\n\n

      Monitoreo manual: <\/strong>En ausencia de sistemas automatizados, el monitoreo se realizar\u00e1 de forma manual mediante:<\/p>\n\n\n\n

        \n
      • Revisi\u00f3n peri\u00f3dica de reportes operativos.<\/li>\n\n\n\n
      • An\u00e1lisis de operaciones relevantes.<\/li>\n\n\n\n
      • Verificaci\u00f3n de operaciones en efectivo y no habituales.<\/li>\n\n\n\n
      • Autonom\u00eda para la emisi\u00f3n de reportes.<\/li>\n<\/ul>\n\n\n\n

        Se\u00f1ales de alerta<\/strong><\/p>\n\n\n\n

        El personal deber\u00e1 identificar se\u00f1ales de alerta, entre otras:<\/p>\n\n\n\n

          \n
        • Operaciones que no guardan relaci\u00f3n con el perfil del cliente<\/li>\n\n\n\n
        • Incrementos inusuales en montos o frecuencia<\/li>\n\n\n\n
        • Uso reiterado de efectivo sin justificaci\u00f3n econ\u00f3mica<\/li>\n\n\n\n
        • Fragmentaci\u00f3n de operaciones<\/li>\n\n\n\n
        • Intervenci\u00f3n de terceros sin relaci\u00f3n aparente<\/li>\n\n\n\n
        • Operaciones con jurisdicciones de alto riesgo<\/li>\n<\/ul>\n\n\n\n

          La detecci\u00f3n de una se\u00f1al de alerta no implica autom\u00e1ticamente un reporte de operaci\u00f3n sospechosa, pero s\u00ed la obligaci\u00f3n de realizar un an\u00e1lisis profundo, an\u00e1lisis que debe almacenarse sea reportada o no.<\/p>\n\n\n\n

          Recuerden que la continuidad de esta tarea es de suma importancia, realizada con un enfoque basado en riesgos, teniendo en cuenta siempre la confidencialidad que estos an\u00e1lisis requieren.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

          Por; Roberto Morales, gerente de Compliance Recordemos que el programa de prevenci\u00f3n de lavado de activos est\u00e1 compuesto de varios procesos, uno de ellos es el Monitoreo de Operaciones, consiste en detectar operaciones que son inusuales y posterior al an\u00e1lisis, se establezca que son sospechosas. Para ello se debe establecer los lineamientos y procedimientos para […]<\/p>\n","protected":false},"author":4,"featured_media":17064,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-17063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"\nMonitoreo de Operaciones - Romero Pineda<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.romeropineda.com\/en\/monitoreo-de-operaciones\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Monitoreo de Operaciones - Romero Pineda\" \/>\n<meta property=\"og:description\" content=\"Por; Roberto Morales, gerente de Compliance Recordemos que el programa de prevenci\u00f3n de lavado de activos est\u00e1 compuesto de varios procesos, uno de ellos es el Monitoreo de Operaciones, consiste en detectar operaciones que son inusuales y posterior al an\u00e1lisis, se establezca que son sospechosas. 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