Análisis del actual sistema de gestión de balboa compañía de Seguros y Reaseguros S.A., respecto a la implementación de la normativa de prevención de lavado de activos, financiamiento del terrorismo y otros delitos hasta el primer trimestre del 2015
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2015
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Universidad de Guayaquil. Facultad de Ciencias Administrativas. Ingeniería en Gestión Empresarial
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La presente tesis analiza las definiciones de prevención de lavado de activos y financiamiento del terrorismo y considera las normativas de los organismos de control de las aseguradoras emitidas por la Superintendencia de Bancos y Seguros, como base para la elaboración de un nuevo manual de gestión de prevención de lavado de activos y financiamiento de delitos a implementarse en BALBOA COMPAÑÍA DE SEGUROS Y REASEGUROS S.A. El desarrollo del manual se basó en las normativas vigentes, por lo que abarca conceptos, procesos, procedimientos, herramientas tecnológicas y metodologías de implementación de los requisitos legales exigidos, orientándose a forjar el menor impacto para evitar que la aseguradora BALBOA o personas naturales y jurídicas que se relacionan con la Compañía sean partícipes en el lavado de activos como también en otros delitos. El principal objetivo de la presente tesis es proveer a la Unidad de Cumplimiento de BALBOA, los medios necesarios para levantar una cultura de prevención interna y externa, que garanticen y protejan el cumplimiento legal de la misma. Los métodos que se utilizaron para conocer la situación actual de la Aseguradora BALBOA, el método bibliográfico el cual sirve de ayuda para conocer las leyes e instituciones mundiales que están en la lucha contra el lavado de activos y financiamiento al terrorismo, de la misma manera se utilizó un modelo de encuestas, para poder realizarlas a los clientes actuales de la Aseguradora, también se realizó una entrevista al gerente general de la aseguradora para conocer si él está al tanto de la situación.
This thesis analyzes the definition of prevention of money laundering and terrorist financing, in the same way the regulations issued by the inspection bodies of insurance issued by the Superintendency of Banks and Insurance, the same that were taken as a basis for development of a new management manual prevention of money laundering and financing of crimes to be implemented in the insurance company BALBOA. The development of this manual was based on the previous regulations in force in the Company, which covers concepts, processes, procedures, technological tools and implementation methodology of the legal requirements, oriented to forge the least impact to prevent the insurer is involved in money laundering and other crimes also in the same way individuals and corporations that relate to the Company. The main objective of this thesis is to provide the Compliance Unit, responsible for the insurance precautionary avoid being involved in the crimes of money laundering and terrorist financing, and means to build a culture of prevention, not only ensures legal compliance but first protect the insurer and all the people who relate to it. The methods used to determine the current situation of the Insurance BALBOA, the literature method which helps to know the laws and institutions worldwide who are in the fight against money laundering and terrorist financing, in the same way used a model surveys, to perform the actual customers of the insurer, an interview was also carried out to the general manager of the insurance company to determine if he is aware of the situation.
This thesis analyzes the definition of prevention of money laundering and terrorist financing, in the same way the regulations issued by the inspection bodies of insurance issued by the Superintendency of Banks and Insurance, the same that were taken as a basis for development of a new management manual prevention of money laundering and financing of crimes to be implemented in the insurance company BALBOA. The development of this manual was based on the previous regulations in force in the Company, which covers concepts, processes, procedures, technological tools and implementation methodology of the legal requirements, oriented to forge the least impact to prevent the insurer is involved in money laundering and other crimes also in the same way individuals and corporations that relate to the Company. The main objective of this thesis is to provide the Compliance Unit, responsible for the insurance precautionary avoid being involved in the crimes of money laundering and terrorist financing, and means to build a culture of prevention, not only ensures legal compliance but first protect the insurer and all the people who relate to it. The methods used to determine the current situation of the Insurance BALBOA, the literature method which helps to know the laws and institutions worldwide who are in the fight against money laundering and terrorist financing, in the same way used a model surveys, to perform the actual customers of the insurer, an interview was also carried out to the general manager of the insurance company to determine if he is aware of the situation.
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ANÁLISIS ECONÓMICO, ADMINISTRACIÓN DE RECURSOS, SEGUROS, NORMALIZACIÓN