Gabriela MalufEssas regulamentações têm como finalidade detectar e impedir a entrada de ativos e recursos oriundos de atividades ilícitas na economia nacional, caracterizando, assim, o crime de lavagem de dinheiro.
Nesse artigo abordaremos o tema da Lei de Prevenção à Lavagem de Dinheiro (Lei nº 9.613 de 1998) e responderemos as principais dúvidas relacionadas ao tema. Siga com a leitura e saiba mais!
Qual o significado de PLD?
No contexto de Compliance e prevenção à lavagem de dinheiro, como mencionado anteriormente, PLD refere-se à “Prevenção à Lavagem de Dinheiro”. Essa sigla representa um conjunto de medidas e práticas adotadas por instituições financeiras e outras organizações para detectar e prevenir a lavagem de dinheiro.
O que faz a área de PLD?
A área de PLD (Prevenção à Lavagem de Dinheiro) é responsável por implementar e manter medidas destinadas a detectar, prevenir e relatar atividades suspeitas de lavagem de dinheiro e financiamento do terrorismo. As principais funções e atividades dessa área são:
- Due Diligence: Realizar verificações detalhadas sobre clientes, parceiros de negócios e transações para garantir que não haja envolvimento em atividades ilícitas, inclusive a identificação de beneficiários finais, fontes de fundos e propósitos comerciais;
- Monitoramento de transações: Implementar sistemas de monitoramento que identificam padrões incomuns ou transações suspeitas, bem como a análise de grandes volumes de dados para identificar atividades fora do padrão;
- Políticas internas específicas: Desenvolver e implementar políticas, e controles internos específicos para garantir a conformidade com as leis e regulamentos relacionados à prevenção à lavagem de dinheiro;
- Conscientização: Promover treinamentos regulares aos funcionários sobre as práticas adequadas de PLD, para deixá-los cientes das políticas e procedimentos da organização;
- Relatórios às autoridades competentes: Em caso de identificação de atividades suspeitas, a área de PLD é responsável por relatar essas informações às autoridades competentes de acordo com as regulamentações locais;
- Avaliação de riscos: Realizar avaliações regulares de riscos para identificar áreas de maior vulnerabilidade e ajustar as estratégias de prevenção de acordo;
- Atualização de políticas: Manter-se atualizado sobre mudanças nas leis e regulamentos relacionados à PLD e ajustar as políticas e procedimentos conforme necessário;
- Colaboração interna e externa: Colaborar com outras áreas da organização, bem como com autoridades reguladoras e agências de aplicação da lei, para fortalecer os esforços de prevenção à lavagem de dinheiro.
Por fim, vale ressaltar que a eficácia da área de PLD deve ser voltada para a promoção da integridade do sistema financeiro, evitando que organizações se envolvam involuntariamente em atividades ilícitas.
O que é PLD Compliance?
A sigla PLD em Compliance está relacionada justamente a “Prevenção à Lavagem de Dinheiro” no contexto de conformidade, ou seja, da busca por atender as normas pertinentes a evitar que esse crime ocorra.
A lavagem de dinheiro é um processo pelo qual ativos obtidos por meio de atividades criminosas são introduzidos no sistema financeiro, tornando difícil rastrear a origem desses ativos e o PLD é um conjunto de medidas adotadas por instituições financeiras e outras organizações para detectar e prevenir a lavagem de dinheiro.
O Compliance, por sua vez, refere-se ao conjunto de regras, políticas e práticas que uma empresa adota para garantir que esteja operando de acordo com as leis e regulamentos aplicáveis ao segmento do qual a organização pertence.
Portanto, PLD em Compliance implica a implementação de práticas e controles específicos para garantir a conformidade com as leis e regulamentações relacionadas à prevenção à lavagem de dinheiro.
Isso envolve a realização de Due Diligence em relação a clientes e transações, relatórios de transações suspeitas às autoridades competentes e a implementação de sistemas de monitoramento eficazes para detectar atividades incomuns que possam indicar lavagem de dinheiro, conforme normas do BACEN, Superintendência de Seguros Privados (SUSEP), CVM e outros órgãos nacionais e internacionais.
Conclusão
A Prevenção à Lavagem de Dinheiro é uma das principais atividades de conformidade para muitas organizações, especialmente aquelas que operam no setor financeiro, e visa proteger tanto as instituições quanto o sistema financeiro como um todo contra atividades ilícitas. Se você gostou desse conteúdo, deixe seu comentário e compartilhe com que ele possa ser útil!
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