La regulación global de las criptomonedas ha pasado de la teoría a la aplicación real. El Marco de Reporte de Criptoactivos (CARF) de la OCDE y los estándares reforzados para Proveedores de Servicios de Activos Virtuales...more
8/19/2025
/ AML/CFT ,
Anti-Money Laundering ,
Beneficial Owner ,
Blockchain ,
Cryptoassets ,
Cryptocurrency ,
Digital Assets ,
Due Diligence ,
FATF ,
Financial Institutions ,
OECD ,
Regulatory Oversight ,
Regulatory Requirements ,
Reporting Requirements ,
Risk Management
Global cryptocurrency regulation has shifted from theory to enforcement. The OECD’s Crypto-Asset Reporting Framework (CARF) and strengthened Virtual Asset Service Provider (VASP) standards are redefining oversight...more
8/19/2025
/ AML/CFT ,
Beneficial Owner ,
Cross-Border Transactions ,
Cryptoassets ,
Cryptocurrency ,
Digital Assets ,
Due Diligence ,
Financial Institutions ,
Latin America ,
OECD ,
Regulatory Oversight ,
Reporting Requirements ,
Risk Management
En el entorno actual de cumplimiento de alto riesgo, se espera que las instituciones financieras entreguen más que resultados. Deben demostrar una rendición de cuentas que sea verificable y lista para auditorías. Esto es...more
7/17/2025
/ Anti-Money Laundering ,
Compliance ,
Corporate Governance ,
Due Diligence ,
Financial Institutions ,
Forensic Accounting ,
Fraud ,
Internal Controls ,
Reporting Requirements ,
Risk Management ,
Transparency
In today’s high-stakes compliance environment, financial institutions are expected to deliver more than results. They must demonstrate accountability that is both verifiable and audit-ready. This is especially critical for...more
7/17/2025
/ Anti-Money Laundering ,
Compliance ,
Corporate Governance ,
Due Diligence ,
Financial Institutions ,
Forensic Accounting ,
Fraud ,
Internal Controls ,
Reporting Requirements ,
Risk Management ,
Transparency
icraAs artificial intelligence reshapes financial compliance practices, regulators across Latin America and globally are increasing their scrutiny of AI-based AML tools. This article explores the growing audit gap, and what...more
6/5/2025
/ Anti-Money Laundering ,
Artificial Intelligence ,
Audits ,
Compliance ,
Financial Crimes ,
Financial Institutions ,
FinTech ,
Latin America ,
Nicaragua ,
Regulatory Oversight ,
Regulatory Requirements ,
Risk Management ,
Venezuela
On 1/21/25, the IRS issued Bulletin Issue Number: 2025-02 to remind the FATCA Responsible Officer that Certifications are due 7/1/25 for the Certification period ending December 31, 2024. The Bulletin also provided a...more
On 10/9/24, the Bureau of Industry and Security (BIS) within the Department of Commerce has issued guidance aimed at financial institutions (FIs), outlining best practices for adherence to the Export Administration...more
12/19/2024
/ Best Practices ,
Bureau of Industry and Security (BIS) ,
China ,
Commerce Control List ,
Due Diligence ,
Export Administration Regulations (EAR) ,
Financial Institutions ,
FinCEN ,
Foreign Policy ,
National Security ,
Office of Foreign Assets Control (OFAC) ,
Red Flags Rule ,
Risk Management ,
Russia ,
SDN List ,
U.S. Commerce Department
On 10/10/24, FinCEN assessed a record $1.3 billion penalty against TD Bank for BSA violations. This unprecedented penalty should function as a cautionary message and a warning to all financial institutions. All financial...more
11/5/2024
/ AML/CFT ,
Anti-Money Laundering ,
Bank Secrecy Act ,
BSA/AML ,
Civil Monetary Penalty ,
Compliance ,
Currency Transaction Reports (CTR) ,
Financial Institutions ,
FinCEN ,
Popular ,
Suspicious Activity Reports (SARs) ,
Training
Back on February 27, 2023, FinCEN issued (in close collaboration with the United States Postal Inspection Service) an Alert on Nationwide Surge in Mail Theft-Related Check Fraud Schemes Targeting the U.S. Mail....more
“FinCEN alienta a las instituciones financieras a compartir esta guía de referencia con los clientes a los que se les pueda solicitar que reporten información sobre dueños beneficiarios” es el mensaje que FinCEN publicó el 26...more
“FinCEN encourages financial institutions to share this reference guide with customers that may be required to report beneficial ownership information” is the message that FinCEN released on 7/26/24. The FinCEN Notice to...more
El 6/29/24, FinCEN, en consulta con la Junta de Gobernadores del Sistema de la Reserva Federal, la Oficina del Contralor de la Moneda, la Corporación Federal de Seguro de Depósitos y la Administración Nacional de Cooperativas...more
On 6/29/24, FinCEN, in consultation with the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the National Credit Union...more
El 6/6/24, el Tesoro de los Estados Unidos emitió una Solicitud de Información (“RFI – Request for Information”) para los usos, oportunidades y riesgos de la Inteligencia Artificial (IA) en el Sector de Servicios Financieros....more
On 6/6/24, the U.S. Treasury issued a Request for Information (RFI) for the uses, opportunities, and risks of Artificial Intelligence (AI) in the Financial Services Sector. The AI RFI presents nineteen questions that are...more
El 15 de abril de 2024, FinCEN, junto con el Servicio de Seguridad Diplomática (“DSS”) del Departamento de Estado de EE.UU., emitió una advertencia sobre el fraude con tarjetas pasaporte de EE.UU. mediante un Aviso a las...more
On 4/15/24, FinCEN in conjunction with the U.S Department of State’s Diplomatic Security Service (DSS), issued warning regarding U.S. Passport Card Fraud via Notice to financial institutions urging them to be vigilant in...more
Durante la Conferencia Anual contra el Lavado de Dinero de FIBA (“Financial and International Business Association”) celebrada el 18 al 21 de marzo de 2024 en Miami, Florida, la Directora Gacki de FinCEN discutió las...more
During the FIBA’s (Financial and International Business Association’s) annual anti-money laundering conference held from March 18, 2024, to March 21, 2024 in Miami, Florida, Director Gacki from FinCEN discussed regulatory...more
El 2/20/23, FinCEN publicó la Guía de Cumplimiento para Pequeñas Entidades para los requisitos de Acceso y Salvaguardas de la información sobre los Beneficiarios Finales. La Guía de BOI Acceso y Salvaguardas (de seis páginas...more
On 2/20/23, FinCEN published the Small Entity Compliance Guide for Beneficial Ownership Information Access and Safeguards Requirements. The (six-pages and four sections) BOI Access & Safeguards Guide provides an overview...more
El 12/21/23, FinCEN emitió una regla final que implementa las disposiciones de acceso y salvaguardia de la Ley de Transparencia Corporativa (CTA) (la “Regla de Acceso”). La Regla de Acceso tiene como objetivo garantizar que:...more
On 12/21/23, FinCEN issued a final rule implementing the access and safeguard provisions of the Corporate Transparency Act (CTA) (the “Access Rule”). The Access Rule aims to ensure that: (1) only BOI authorized recipients...more
El 6/11/23, la Oficina de Industria y Seguridad (“BIS” o “Bureau of Industry and Security”) del Departamento de Comercio y FinCEN emitieron un Aviso Conjunto sobre la evasión del control de exportaciones destacando un nuevo...more
On 11/6/23, the Department of Commerce’s Bureau of Industry and Security (BIS) and FinCEN issued a joint notice regarding export control evasion highlighting a new Suspicious Activity Report key term (“FIN-2023-GLOBALEXPORT”)...more