Modelo de gestión y lavado de activos en Instituciones Financieras

Abstract

This thesis is the design of a Model Management and Money Laundering in Financial Institutions. The main objective is to study the Risk Management Model, defining the allocation of risk profiles for customer type, depending on the product that it acquires, to develop the policy "Know Your Customer" within the Financial Institution covering in this investigation. Therefore it is born the need to segment customers based on their geographic and demographic characteristics grouping clients into segments of similar records, having high similarity as the essential basis for any strategy to customers, which helps interaction with and it makes them focus on areas that promise the highest profit. Regarding the Prevention of Money Laundering and Financing of Terrorism has evolved, from being a mere compliance issue, an issue of Risk Management. When a criminal and criminal activity generates substantial profits , individuals engaged in this activity , seek ways to control the origin and destination of the funds without attracting the attention of the authorities on this underlying activity , criminals engaged in this process by concealment the sources from which the profits obtained , changing so call less attention. Money laundering is defined as the method by which ; a person or criminal organization , processes and hidden financial gains from illegal and criminal activities, then place them in the financial system , and ensure that they are recognized by the authorities as income from legal and legitimate operations. Financial institutions may only control and reduce their risks if they know of customary and reasonable account activity of their customers and can thus identify transactions that fall outside the regular pattern of activity. We can define this process as a continuous review of the transactional operations and movements in the accounts of customers, to meet the daily status of transactions from a customer, it also includes transactional profiles which issued automatic alerts to those responsible on the basis of parameters such transactions must comply. Also the methodology of a model Risk Management has options that allow profiling customers and based on these profiles and the types of transactions performed, check all transactions to immediately detect deviations from this type of transaction identify it as a suspicious transaction if necessary. In this context, in which the focus of attention focused on the detection, measurement and mitigation of risks, acquired great significance to design a model with modern methods of risk management that promote a culture of internal controls and risk management for proper management of processes. Based on the above , the development of the proposed proposal is made, revealing the methodology of Risk Management Model , to be used for the allocation of risk profiles for each customer , depending on the type of product, based on the customer segmentation in geographic and demographic aspects, contrasting pursuing customer groups based on common characteristics, such as place of residence , sex , age, income level , occupation , number of loads , marital status between other variables and develop the policy " know Your Customer " , given that if more and better known less profitable customers , their buying patterns , behavior and demographics , the relationship with them becomes narrower and productive .