Análisis y evaluación a la matriz de riesgos de prevención de lavado de activos, financiamiento del terrorismo y otros delitos, orientado al sector asegurador de Ecuador, específicamente a la compañía de Seguros Equinoccial S.A. durante el año 2019.

Abstract

Money Laundering risks, terrorism financing and other felonies are considered as a sum of unjustified economic activities, which are used to conceal the illegal asset origins. This is the defined observation and recommendation by the control entities such as the Values and Assurance Superintendence Financial and Economics Analytic Unit and international organizations such as The Financial Action Task Force FATF; who define weaknesses and exposure into the financial system as well as different ways toward de money laundering process. For investigation purposes a current legislation analysis, procedures checking and a direct relation between the company’s adopted control method and the criteria and risk management factors were made, which allowed identify any potential improvements and updates into the control systems for the Anti -Money Laundering risk matrix. In fact, profile segmentation by client, assurance services suppliers, employees, shareholders, investors and any type of supplier surge, which in accordance with every single Compliment Unit policy, allow detection of unjustified transactions at the same time of ample control diligences as prevention procedures. For the reasons described above, the assurance system must have technical indicators, automated tools and adopted international organism recommendations generating suitable internal control in order to prevent money laundering.