{"id":40083,"date":"2025-10-17T10:00:16","date_gmt":"2025-10-17T15:00:16","guid":{"rendered":"https:\/\/acl.com.ec\/?p=40083"},"modified":"2025-10-17T10:13:51","modified_gmt":"2025-10-17T15:13:51","slug":"mas-sectores-seran-sujetos-obligados-ante-la-uafe","status":"publish","type":"post","link":"https:\/\/acl.com.ec\/en\/mas-sectores-seran-sujetos-obligados-ante-la-uafe\/","title":{"rendered":"M\u00e1s sectores ser\u00e1n sujetos obligados ante la UAFE"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"40083\" class=\"elementor elementor-40083\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-89ed7bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"89ed7bc\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9dba146\" data-id=\"9dba146\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64957c1 elementor-widget elementor-widget-heading\" data-id=\"64957c1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">M\u00e1s sectores ser\u00e1n sujetos obligados ante la UAFE<\/h2>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e21775e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e21775e\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-09d6cf5\" data-id=\"09d6cf5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f45c883 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"f45c883\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Prep\u00e1rate para reportar seg\u00fan la nueva normativa contra el lavado de activos<b><\/b><\/p><p class=\"p3\"><a href=\"https:\/\/acl.com.ec\/en\/actualiza-tu-ruc-si-aplicas-como-sujeto-obligado-informar\/\">La Unidad de An\u00e1lisis Financiero y Econ\u00f3mico (UAFE)<\/a> ha anunciado la pr\u00f3xima incorporaci\u00f3n de nuevos sectores econ\u00f3micos como <i>Sujetos Obligados a Reportar<\/i>, en el marco de la Ley Org\u00e1nica de Prevenci\u00f3n, Detecci\u00f3n y Combate del Delito de Lavado de Activos y de la Financiaci\u00f3n de Otros Delitos, publicada en el Registro Oficial N.\u00ba 610, del 29 de julio de 2024.<\/p><p class=\"p3\">Esta medida busca reforzar los controles sobre actividades econ\u00f3micas sensibles, ampliando el espectro de vigilancia financiera para prevenir el uso del sistema econ\u00f3mico con fines il\u00edcitos.<\/p><h5><b>\u00bfQui\u00e9nes ser\u00e1n los nuevos sujetos obligados?<\/b><\/h5><p class=\"p3\">Seg\u00fan el comunicado oficial de la UAFE, los siguientes sectores ser\u00e1n pr\u00f3ximamente incorporados:<\/p><ul><li class=\"p1\">Cajas Centrales<\/li><li class=\"p1\">Cajas y Bancos Comunales, y Cajas de Ahorro<\/li><li class=\"p1\">Intermediarios de Reaseguros<\/li><li class=\"p1\">Asesores Productores de Seguros<\/li><li class=\"p1\">Partidos y Movimientos Pol\u00edticos Provinciales<\/li><li class=\"p1\">Fundaciones (de car\u00e1cter nacional)<\/li><\/ul><p class=\"p3\">Esta inclusi\u00f3n responde a la necesidad de cerrar brechas normativas y prevenir que estas figuras jur\u00eddicas sean utilizadas como canales para el lavado de activos, financiamiento del terrorismo o movimientos financieros irregulares.<\/p><h5><strong>\u00bfQu\u00e9 implica ser sujeto obligado?<\/strong><\/h5><p class=\"p3\">Convertirse en sujeto obligado ante la UAFE significa que estas entidades estar\u00e1n legalmente obligadas a:<\/p><ul><li><p class=\"p1\">Designar un <i>Oficial de Cumplimiento<\/i> capacitado.<\/p><\/li><li><p class=\"p1\">Obtener un <i>c\u00f3digo de registro<\/i> en el sistema de la UAFE.<\/p><\/li><li><p class=\"p1\">Implementar un sistema de prevenci\u00f3n de lavado de activos (manuales, pol\u00edticas, procedimientos).<\/p><\/li><li><p class=\"p1\">Reportar regularmente a la UAFE:<\/p><ul><li><p class=\"p1\"><span class=\"s1\"><b>ROS<\/b><\/span>: Reportes de Operaciones Sospechosas.<\/p><\/li><li><p class=\"p1\"><span class=\"s1\"><b>RESU<\/b><\/span>: Reportes de operaciones superiores a USD 10.000 (individuales o acumuladas en 30 d\u00edas).<\/p><\/li><li><p class=\"p1\"><span class=\"s1\"><b>RIA<\/b><\/span>: Informaci\u00f3n adicional solicitada por la UAFE.<\/p><\/li><\/ul><\/li><\/ul><p class=\"p3\">El incumplimiento de estas obligaciones puede generar sanciones econ\u00f3micas, procesos administrativos e incluso responsabilidad penal, de acuerdo con lo establecido en los art\u00edculos 27, 28 y 31 de la Ley.<\/p><h5><b>\u00bfCu\u00e1ndo comienza esta obligaci\u00f3n?<\/b><\/h5><p class=\"p3\">La obligaci\u00f3n ser\u00e1 exigible <span class=\"s2\"><b>\u00fanicamente<\/b><\/span> despu\u00e9s de que se emita y publique la Resoluci\u00f3n de llamamiento correspondiente para cada sector.<\/p><p class=\"p3\">Hasta entonces, se recomienda a las organizaciones:<\/p><ul><li><p class=\"p1\"><span class=\"s1\"><b>Prepararse internamente<\/b><\/span> designando responsables, documentando procesos y entendiendo sus riesgos.<\/p><\/li><li><p class=\"p1\"><span class=\"s1\"><b>Capacitar a su equipo<\/b><\/span> sobre sus futuras responsabilidades y el marco legal.<\/p><\/li><li><p class=\"p1\"><span class=\"s1\"><b>Mantenerse atentos<\/b><\/span> a los canales oficiales de la UAFE para recibir la notificaci\u00f3n formal.<\/p><\/li><\/ul><p class=\"p3\">La adecuada preparaci\u00f3n normativa no solo evita sanciones, sino que fortalece la confianza institucional y garantiza la continuidad operativa. Contar con asesor\u00eda t\u00e9cnica oportuna puede marcar la diferencia entre cumplir con lo justo o establecer una cultura organizacional orientada al cumplimiento, la \u00e9tica y la prevenci\u00f3n de riesgos.<\/p><p><strong style=\"font-size: 16px;\">Fuente: <a href=\"https:\/\/www.uafe.gob.ec\/category\/noticias\/\" target=\"_blank\" rel=\"noopener\">Unidad de An\u00e1lisis Financiero y Econ\u00f3mico<\/a><\/strong><\/p><div class=\"x9f619 x1n2onr6 x1ja2u2z x78zum5 xdt5ytf x2lah0s x193iq5w x1cy8zhl xyamay9\">\u00a0<\/div>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1120100 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1120100\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container 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elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"93245ab\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-f4056c6\" data-id=\"f4056c6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-023d54c\" data-id=\"023d54c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9bd2a22 elementor-widget elementor-widget-text-editor\" data-id=\"9bd2a22\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Advertencia.<\/strong> El bolet\u00edn de ACL Auditores y Consultores Latam no es ni podr\u00e1 ser utilizado como asesor\u00eda u opini\u00f3n legal, en vista de que se trata de un documento netamente informativo<\/p>\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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-064b73e\" data-id=\"064b73e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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":"<p>M\u00e1s sectores ser\u00e1n sujetos obligados ante la UAFE Prep\u00e1rate para reportar seg\u00fan la nueva normativa contra el lavado de activos La Unidad de An\u00e1lisis Financiero y Econ\u00f3mico (UAFE) ha anunciado la pr\u00f3xima incorporaci\u00f3n de nuevos sectores econ\u00f3micos como Sujetos Obligados a Reportar, en el marco de la Ley Org\u00e1nica de Prevenci\u00f3n, Detecci\u00f3n y Combate del [&hellip;]<\/p>","protected":false},"author":4,"featured_media":40084,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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