{"id":34714,"date":"2026-04-23T07:13:42","date_gmt":"2026-04-23T11:13:42","guid":{"rendered":"https:\/\/foodmanpa.com\/?p=34714"},"modified":"2026-07-27T07:05:35","modified_gmt":"2026-07-27T11:05:35","slug":"riesgo-reputacional-lenguaje-regulatorio-pep-informacion-negativa","status":"publish","type":"post","link":"https:\/\/foodmanpa.com\/es\/riesgo-reputacional-lenguaje-regulatorio-pep-informacion-negativa\/","title":{"rendered":"Cuando el Riesgo Reputacional Desaparece del Lenguaje Regulatorio: C\u00f3mo Sustentar Decisiones sobre Atenci\u00f3n Medi\u00e1tica Negativa y PEP"},"content":{"rendered":"<p>Actualizaciones recientes a ciertos materiales regulatorios en Estados Unidos, incluidas revisiones al marco de examen en materia de prevenci\u00f3n de lavado de dinero y financiamiento del terrorismo, han reducido o eliminado las referencias al riesgo reputacional.<\/p>\n<p>Para muchas instituciones, este concepto ha desempe\u00f1ado hist\u00f3ricamente un papel central en la forma en que se evaluaban y documentaban los riesgos asociados con informaci\u00f3n negativa y personas pol\u00edticamente expuestas (PEP).<\/p>\n<p>Su eliminaci\u00f3n genera un reto pr\u00e1ctico. Decisiones que antes se respaldaban utilizando una categor\u00eda ampliamente entendida ahora deben explicarse mediante un razonamiento m\u00e1s espec\u00edfico basado en factores de riesgo, especialmente cuando dichas decisiones son revisadas en un proceso de examen o investigaci\u00f3n.<\/p>\n<h2>\u00bfC\u00f3mo deben sustentarse ahora esas decisiones?<\/h2>\n<p>La expectativa de evaluar el riesgo no ha cambiado. Lo que ha aumentado es la necesidad de explicar con claridad ese an\u00e1lisis.<\/p>\n<p>La exposici\u00f3n subyacente no ha cambiado. Lo que s\u00ed ha cambiado es la forma en que las instituciones deben articular y respaldar su razonamiento.<\/p>\n<h2>El cambio: de categor\u00edas amplias a riesgos definidos<\/h2>\n<p>El riesgo reputacional funcionaba, en muchos casos, como una categor\u00eda amplia que agrupaba:<\/p>\n<ul>\n<li>Reportes de informaci\u00f3n negativa<\/li>\n<li>Exposici\u00f3n a PEP<\/li>\n<li>Otros indicadores de posible conducta indebida<\/li>\n<\/ul>\n<p>Sin esa categor\u00eda, las instituciones deben basarse en factores de riesgo espec\u00edficos e identificables.<\/p>\n<p>Esto implica:<\/p>\n<ul>\n<li>Identificar qu\u00e9 indica la informaci\u00f3n medi\u00e1tica negativa<\/li>\n<li>Vincular esa informaci\u00f3n con categor\u00edas de riesgo definidas, como lavado de dinero, sanciones, fraude o corrupci\u00f3n<\/li>\n<li>Explicar por qu\u00e9 esos factores sustentan una decisi\u00f3n determinada<\/li>\n<\/ul>\n<p>El enfoque deja de estar en clasificar el riesgo y pasa a explicar con claridad c\u00f3mo fue evaluado.<\/p>\n<h2>\u00bfD\u00f3nde est\u00e1n teniendo dificultades las instituciones?<\/h2>\n<p>En la pr\u00e1ctica, el desaf\u00edo no est\u00e1 en la decisi\u00f3n en s\u00ed, sino en c\u00f3mo se documenta y se explica.<\/p>\n<p>Los problemas m\u00e1s comunes incluyen:<\/p>\n<h3>Atenci\u00f3n Medi\u00e1tica Negativa sin una vinculaci\u00f3n clara al riesgo<\/h3>\n<p>Se identifica informaci\u00f3n negativa, pero la documentaci\u00f3n no explica con claridad c\u00f3mo se relaciona con una categor\u00eda de riesgo definida o con una obligaci\u00f3n regulatoria.<\/p>\n<h3>Clasificaci\u00f3n de PEP sin justificaci\u00f3n suficiente<\/h3>\n<p>Los clientes son identificados como PEP, pero la documentaci\u00f3n no explica:<\/p>\n<ul>\n<li>La naturaleza de la exposici\u00f3n<\/li>\n<li>El riesgo asociado a la jurisdicci\u00f3n<\/li>\n<li>Por qu\u00e9 se requiere una debida diligencia reforzada<\/li>\n<\/ul>\n<p>En ambos casos, el problema es el mismo: las decisiones quedan registradas, pero el razonamiento detr\u00e1s de ellas no est\u00e1 claramente documentado, lo que dificulta demostrar consistencia durante un examen.<\/p>\n<h2>Qu\u00e9 esperan ver los examinadores<\/h2>\n<p>Los examinadores no se enfocan en la terminolog\u00eda. Se centran en c\u00f3mo se toman y se respaldan las decisiones.<\/p>\n<p>Esperan ver:<\/p>\n<ul>\n<li>C\u00f3mo se identific\u00f3 el riesgo<\/li>\n<li>C\u00f3mo se evalu\u00f3<\/li>\n<li>C\u00f3mo la decisi\u00f3n se alinea con las pol\u00edticas internas y las expectativas regulatorias<\/li>\n<\/ul>\n<p>Para los equipos de cumplimiento, esto significa que la documentaci\u00f3n debe explicar no solo qu\u00e9 se identific\u00f3, sino c\u00f3mo se evalu\u00f3 y por qu\u00e9 condujo a un resultado espec\u00edfico.<\/p>\n<h2>Informaci\u00f3n Negativa: c\u00f3mo se ve una buena documentaci\u00f3n<\/h2>\n<p>Una evaluaci\u00f3n bien documentada de informaci\u00f3n negativa debe mostrar claramente:<\/p>\n<ul>\n<li>\n<h3>Cu\u00e1l es el problema<\/h3>\n<p>\u00bfQu\u00e9 conducta o alegaci\u00f3n espec\u00edfica se describe?<\/li>\n<li>\n<h3>Credibilidad de la fuente<\/h3>\n<p>\u00bfLa informaci\u00f3n es confiable, corroborada o no verificada?<\/li>\n<li>\n<h3>Vinculaci\u00f3n con el riesgo<\/h3>\n<p>\u00bfC\u00f3mo se relaciona la informaci\u00f3n con riesgos definidos como lavado de dinero, sanciones o corrupci\u00f3n?<\/li>\n<li>\n<h3>Relaci\u00f3n con el cliente<\/h3>\n<p>\u00bfCu\u00e1l es la conexi\u00f3n entre el cliente y el hecho reportado?<\/li>\n<li>\n<h3>Justificaci\u00f3n de la decisi\u00f3n<\/h3>\n<p>\u00bfPor qu\u00e9 esta informaci\u00f3n respalda una decisi\u00f3n de vinculaci\u00f3n, escalamiento o terminaci\u00f3n de la relaci\u00f3n?<\/li>\n<\/ul>\n<p>El objetivo no es tener m\u00e1s documentaci\u00f3n, sino documentaci\u00f3n clara.<\/p>\n<h2>Evaluaci\u00f3n de PEP: qu\u00e9 debe documentarse<\/h2>\n<p>En el caso de PEP, las expectativas est\u00e1n m\u00e1s claramente definidas en distintos marcos regulatorios.<\/p>\n<p>La documentaci\u00f3n debe reflejar:<\/p>\n<ul>\n<li>\n<h3>Clasificaci\u00f3n de PEP<\/h3>\n<p>Nacional, extranjero o de organismo internacional\n<\/li>\n<li>\n<h3>Posici\u00f3n e influencia<\/h3>\n<p>Cargo, nivel de autoridad y acceso a recursos p\u00fablicos o toma de decisiones\n<\/li>\n<li>\n<h3>Riesgo de la jurisdicci\u00f3n<\/h3>\n<p>Nivel de corrupci\u00f3n y entorno institucional\n<\/li>\n<li>\n<h3>Origen de la riqueza y de los fondos<\/h3>\n<p>C\u00f3mo se gener\u00f3 la riqueza y de d\u00f3nde provienen los fondos\n<\/li>\n<li>\n<h3>Enfoque de monitoreo<\/h3>\n<p>Frecuencia y alcance de la revisi\u00f3n en funci\u00f3n del nivel de riesgo\n<\/li>\n<\/ul>\n<p>Estos elementos siguen siendo relevantes, independientemente de los cambios en la terminolog\u00eda regulatoria.<\/p>\n<h2>Qu\u00e9 significa esto para su equipo<\/h2>\n<p>La expectativa de evaluar el riesgo no ha cambiado. Lo que ha aumentado es la necesidad de explicar esa evaluaci\u00f3n con claridad.<\/p>\n<p>Esto implica:<\/p>\n<ul>\n<li>Depender menos de categor\u00edas amplias<\/li>\n<li>Documentar factores de riesgo espec\u00edficos<\/li>\n<li>Mostrar c\u00f3mo esos factores se vinculan con obligaciones regulatorias<\/li>\n<li>Asegurar que las decisiones puedan entenderse y explicarse posteriormente<\/li>\n<\/ul>\n<p>Esto es especialmente relevante para instituciones que operan en m\u00faltiples jurisdicciones, donde distintos reguladores y examinadores pueden revisar la misma decisi\u00f3n.<\/p>\n<h2>Pr\u00f3ximos pasos<\/h2>\n<p>Las instituciones que se est\u00e1n adaptando de manera efectiva no est\u00e1n reemplazando una categor\u00eda por otra.<\/p>\n<p>Est\u00e1n fortaleciendo la forma en que documentan y explican sus decisiones.<\/p>\n<p>Este es el tipo de preguntas de documentaci\u00f3n que las instituciones est\u00e1n enfrentando actualmente. Las respuestas pr\u00e1cticas dependen de los marcos regulatorios aplicables, las jurisdicciones involucradas y el tipo dedecisiones que est\u00e1n siendo revisadas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Actualizaciones recientes a ciertos materiales regulatorios en Estados Unidos, incluidas revisiones al marco de examen en materia de prevenci\u00f3n de lavado de dinero y financiamiento del terrorismo, han reducido o eliminado las referencias al riesgo reputacional. Para muchas instituciones, este concepto ha desempe\u00f1ado hist\u00f3ricamente un papel central en la forma en que se evaluaban y [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":35097,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[55],"tags":[],"media_type":[308],"insight_topic":[258,266,272],"insight_for":[300],"class_list":["post-34714","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-es","media_type-foodman-article","insight_topic-asesoria-en-riesgo-regulatorio","insight_topic-examenes-regulatorios-y-remediacion","insight_topic-gestion-de-peps-y-clientes-de-alto-riesgo","insight_for-asesores-juridicos"],"acf":{"author_name":"Foodman CPAs & Advisors","author_name_source":{"label":"Author Name","type":"text","formatted_value":"Foodman CPAs & Advisors"},"detail_banner_image":{"ID":35074,"id":35074,"title":"Detail Banner Image Reputational risk","filename":"Detail-Banner-Image-Reputational-risk.webp","filesize":34172,"url":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk.webp","link":"https:\/\/foodmanpa.com\/reputational-risk-regulatory-language-adverse-media-pep\/detail-banner-image-reputational-risk-2\/","alt":"Detail Banner Image Reputational risk","author":"2","description":"","caption":"","name":"detail-banner-image-reputational-risk-2","status":"inherit","uploaded_to":34567,"date":"2026-06-12 13:09:38","modified":"2026-06-12 13:52:50","menu_order":0,"mime_type":"image\/webp","type":"image","subtype":"webp","icon":"https:\/\/foodmanpa.com\/wp-includes\/images\/media\/default.png","width":2160,"height":440,"sizes":{"thumbnail":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-150x150.webp","thumbnail-width":150,"thumbnail-height":150,"medium":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-300x61.webp","medium-width":300,"medium-height":61,"medium_large":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-768x156.webp","medium_large-width":768,"medium_large-height":156,"large":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-1024x209.webp","large-width":800,"large-height":163,"1536x1536":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-1536x313.webp","1536x1536-width":1536,"1536x1536-height":313,"2048x2048":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-2048x417.webp","2048x2048-width":2048,"2048x2048-height":417}},"detail_banner_image_source":{"label":"Detail Banner Image","type":"image","formatted_value":{"ID":35074,"id":35074,"title":"Detail Banner Image Reputational risk","filename":"Detail-Banner-Image-Reputational-risk.webp","filesize":34172,"url":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk.webp","link":"https:\/\/foodmanpa.com\/reputational-risk-regulatory-language-adverse-media-pep\/detail-banner-image-reputational-risk-2\/","alt":"Detail Banner Image Reputational risk","author":"2","description":"","caption":"","name":"detail-banner-image-reputational-risk-2","status":"inherit","uploaded_to":34567,"date":"2026-06-12 13:09:38","modified":"2026-06-12 13:52:50","menu_order":0,"mime_type":"image\/webp","type":"image","subtype":"webp","icon":"https:\/\/foodmanpa.com\/wp-includes\/images\/media\/default.png","width":2160,"height":440,"sizes":{"thumbnail":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-150x150.webp","thumbnail-width":150,"thumbnail-height":150,"medium":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-300x61.webp","medium-width":300,"medium-height":61,"medium_large":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-768x156.webp","medium_large-width":768,"medium_large-height":156,"large":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-1024x209.webp","large-width":800,"large-height":163,"1536x1536":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-1536x313.webp","1536x1536-width":1536,"1536x1536-height":313,"2048x2048":"https:\/\/foodmanpa.com\/wp-content\/uploads\/2026\/06\/Detail-Banner-Image-Reputational-risk-2048x417.webp","2048x2048-width":2048,"2048x2048-height":417}}}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - 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