{"id":22308,"date":"2026-09-04T09:05:00","date_gmt":"2026-09-04T16:05:00","guid":{"rendered":"https:\/\/blog.lecosy.com.mx\/?p=22308"},"modified":"2026-08-28T17:50:45","modified_gmt":"2026-08-29T00:50:45","slug":"reforma-a-las-reglas-de-caracter-general-de-la-lfpiorpi-los-cambios-relevantes-y-sus-implicaciones-para-los-sujetos-obligados","status":"publish","type":"post","link":"https:\/\/blog.lecosy.com.mx\/index.php\/2026\/09\/04\/reforma-a-las-reglas-de-caracter-general-de-la-lfpiorpi-los-cambios-relevantes-y-sus-implicaciones-para-los-sujetos-obligados\/","title":{"rendered":"Reforma a las Reglas de Car\u00e1cter General de la LFPIORPI: los cambios relevantes y sus implicaciones para los sujetos obligados"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull is-light\" style=\"border-radius:0px;padding-top:0;padding-right:0;padding-left:0\"><img loading=\"lazy\" decoding=\"async\" width=\"1960\" height=\"900\" class=\"wp-block-cover__image-background wp-image-22328\" 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alignwide is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:var(--wp--preset--spacing--40);padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-essential-blocks-row alignfull eplus-wrapper is-layout-flow  root-eb-row-db898mm\"><div class=\"eb-parent-wrapper eb-parent-eb-row-db898mm \"><div class=\"eb-row-root-container eb-row-db898mm\" data-id=\"eb-row-db898mm\"><div class=\"eb-row-wrapper\"><div class=\"eb-row-inner\">\n<div class=\"wp-block-essential-blocks-column  root-eb-column-uyly1mc\"><div class=\"eb-parent-wrapper eb-parent-eb-column-uyly1mc \"><div class=\"eb-column-wrapper eb-column-uyly1mc\"><div class=\"eb-column-inner\">\n<div class=\"wp-block-columns alignwide eplus-wrapper is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column eplus-wrapper is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:80%\"><h2 style=\"font-size:clamp(26.465px, 1.654rem + ((1vw - 3.2px) * 2.106), 45px);font-style:normal;font-weight:700\" class=\"has-text-align-left wp-block-post-title has-text-color has-custom-color-1-color\">Reforma a las Reglas de Car\u00e1cter General de la LFPIORPI: los cambios relevantes y sus implicaciones para los sujetos obligados<\/h2><\/div>\n\n\n\n<div class=\"wp-block-column eplus-wrapper is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile eplus-wrapper is-layout-flex wp-container-core-columns-is-layout-2842b8fd wp-block-columns-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center eplus-wrapper is-layout-flow wp-container-core-column-is-layout-7bf3d3b5 wp-block-column-is-layout-flow\" style=\"border-style:none;border-width:0px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;flex-basis:90%\"><div style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.227), 16px);line-height:1\" class=\"has-text-align-right has-link-color wp-elements-a01ba652d07dbbab15a7b7c37fc0574f wp-block-post-author has-text-color has-custom-color-1-color has-dm-sans-font-family\"><div class=\"wp-block-post-author__content\"><p class=\"wp-block-post-author__name\"><a href=\"https:\/\/blog.lecosy.com.mx\/index.php\/author\/fernanda-sesma\/\" target=\"_self\">Fernanda Sesma<\/a><\/p><\/div><\/div>\n\n<div style=\"color:#162c44;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.227), 16px);line-height:1\" class=\"has-text-align-right wp-block-post-date has-text-color\"><time datetime=\"2026-09-04T09:05:00-07:00\">4 septiembre, 2026<\/time><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center eplus-wrapper is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;flex-basis:10%\"><div class=\"aligncenter wp-block-avatar\"><a href=\"https:\/\/blog.lecosy.com.mx\/index.php\/author\/fernanda-sesma\/\" target=\"_self\"  class=\"wp-block-avatar__link\"><img alt='Avatar de Fernanda Sesma' src='https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2023\/07\/Imagen-destacada-para-blog-canal-de-denuncias-03.jpg' srcset='https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2023\/07\/Imagen-destacada-para-blog-canal-de-denuncias-03.jpg 2x' class='avatar avatar-60 photo wp-block-avatar__image' height='60' width='60'  style=\"border-radius:20px;\"\/><\/a><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>\n<\/main>\n\n\n\n<div class=\"wp-block-essential-blocks-row alignfull eplus-wrapper is-layout-flow  root-eb-row-6z8xkuu\"><div class=\"eb-parent-wrapper eb-parent-eb-row-6z8xkuu \"><div class=\"eb-row-root-container eb-row-6z8xkuu\" data-id=\"eb-row-6z8xkuu\"><div class=\"eb-row-wrapper\"><div class=\"eb-row-inner\">\n<div class=\"wp-block-essential-blocks-column  root-eb-column-gu063k1\"><div class=\"eb-parent-wrapper eb-parent-eb-column-gu063k1 \"><div class=\"eb-column-wrapper eb-column-gu063k1\"><div class=\"eb-column-inner\">\n<div class=\"wp-block-columns alignwide eplus-wrapper is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column eplus-wrapper is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:90%\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-a3dc634 stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-resumen-span-strong\" data-block-id=\"a3dc634\"><style>.stk-a3dc634 {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;}.stk-a3dc634:before{background-color:#ffffff !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\">Resumen<\/span><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ae0dc35 stk-block-background\" data-block-id=\"ae0dc35\"><style>.stk-ae0dc35 {background-color:#F6F6F6 !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;margin-bottom:150px !important;}.stk-ae0dc35:before{background-color:#F6F6F6 !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">La publicaci\u00f3n, el <strong>7 de agosto de 2026<\/strong>, del Acuerdo por el que se modifican las Reglas de Car\u00e1cter General a que se refiere la Ley Federal para la Prevenci\u00f3n e Identificaci\u00f3n de Operaciones con Recursos de Procedencia Il\u00edcita representa un paso importante en la transformaci\u00f3n del r\u00e9gimen de prevenci\u00f3n de lavado de dinero aplicable a quienes realizan <strong>Actividades Vulnerables. <\/strong>Esta reforma debe analizarse conjuntamente con las modificaciones realizadas previamente a la LFPIORPI y a su Reglamento, pues en conjunto configuran un modelo de cumplimiento considerablemente m\u00e1s estructurado, preventivo y orientado a la gesti\u00f3n de riesgos.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e3b32d2\" data-block-id=\"e3b32d2\"><style>.stk-e3b32d2 {margin-bottom:50px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">M\u00e1s que incorporar obligaciones aisladas, las nuevas Reglas modifican la forma en que los sujetos obligados deber\u00e1n administrar, documentar, monitorear y acreditar su cumplimiento. El cambio m\u00e1s relevante consiste en la transici\u00f3n de un modelo predominantemente documental hacia un sistema de cumplimiento din\u00e1mico, en el que la informaci\u00f3n obtenida del Cliente o Usuario debe utilizarse para determinar su riesgo, establecer un Perfil Transaccional, monitorear su comportamiento, detectar desviaciones y, cuando corresponda, implementar medidas reforzadas y mitigantes.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-9cac227 stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-strong-strong-enfoque-basado-en-riesgos-strong-strong-span-strong\" data-block-id=\"9cac227\"><style>.stk-9cac227 {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;}.stk-9cac227:before{background-color:#ffffff !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\"><strong><strong>Enfoque basado en riesgos<\/strong><\/strong><\/span><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e65a804\" data-block-id=\"e65a804\"><style>.stk-e65a804 {margin-bottom:15px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Sin duda, uno de los principales cambios de la reforma es la incorporaci\u00f3n formal y detallada del E<strong>nfoque Basado en Riesgo (EBR)<\/strong>. Las nuevas Reglas exigen que cada sujeto obligado desarrolle una metodolog\u00eda propia, documentada y acorde con las caracter\u00edsticas de su actividad, clientes, operaciones y zonas geogr\u00e1ficas. La metodolog\u00eda deber\u00e1 permitir identificar, evaluar, medir y clasificar los riesgos, as\u00ed como establecer medidas para su mitigaci\u00f3n.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-a55a7b1\" data-block-id=\"a55a7b1\"><style>.stk-a55a7b1 {margin-bottom:15px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-a55a7b1-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-a645280\" data-v=\"4\" data-block-id=\"a645280\"><style>@media screen and (min-width: 768px){.stk-a645280 {flex:var(--stk-flex-grow, 1) 1 calc(62.4% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-a645280-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-a645280-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-cbd53e6\" data-block-id=\"cbd53e6\"><style>.stk-cbd53e6 {margin-bottom:5px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\"><strong>Este cambio tiene una implicaci\u00f3n pr\u00e1ctica importante:<\/strong> ya no resulta suficiente contar con pol\u00edticas generales de PLD o con expedientes correctamente integrados. El sujeto obligado deber\u00e1 demostrar que conoce los riesgos particulares de su operaci\u00f3n y que sus controles responden a ellos.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-dc0b6b3\" data-block-id=\"dc0b6b3\"><style>.stk-dc0b6b3 {margin-bottom:0px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">A partir del <strong>1 de marzo de 2027<\/strong> deber\u00e1 contar, entre otros elementos, con una metodolog\u00eda de evaluaci\u00f3n de riesgos, un modelo para clasificar a sus Clientes o Usuarios en grados de riesgo, un Perfil Transaccional y medidas reforzadas para los casos de mayor exposici\u00f3n.<\/p><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-3404bbd\" data-v=\"4\" data-block-id=\"3404bbd\"><style>@media screen and (min-width: 768px){.stk-3404bbd {flex:var(--stk-flex-grow, 1) 1 calc(37.599999999999994% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-3404bbd-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-3404bbd-inner-blocks\">\n<figure class=\"wp-block-image alignright size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1610\" height=\"1040\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/07\/Banner-61.jpg\" alt=\"\" class=\"wp-image-22331\" style=\"border-radius:22px;width:355px;height:auto\"\/><\/figure>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-dbace7e\" data-block-id=\"dbace7e\"><style>.stk-dbace7e {margin-bottom:24px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Asimismo, la metodolog\u00eda deber\u00e1 actualizarse peri\u00f3dicamente y conservarse la documentaci\u00f3n que permita acreditar su dise\u00f1o, implementaci\u00f3n y evoluci\u00f3n.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ee833c0\" data-block-id=\"ee833c0\"><style>.stk-ee833c0 {margin-bottom:50px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">El EBR, por tanto, no debe entenderse como un documento adicional dentro del expediente de cumplimiento. Su verdadera finalidad es convertirse en el eje que articule la <strong>identificaci\u00f3n<\/strong>, <strong>conocimiento<\/strong>, <strong>monitoreo <\/strong>y <strong>seguimiento<\/strong> de Clientes o Usuarios.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-435f9ce stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-strong-strong-strong-el-expediente-de-identificacion-deja-de-ser-solo-almacenamiento-documental-strong-strong-strong-span-strong\" data-block-id=\"435f9ce\"><style>.stk-435f9ce {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;}.stk-435f9ce:before{background-color:#ffffff !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\"><strong><strong><strong><strong><strong>El expediente de identificaci\u00f3n deja de ser solo almacenamiento documental<\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-7e8a3a9\" data-block-id=\"7e8a3a9\"><p class=\"stk-block-text__text has-text-align-justify\">Otro de los cambios relevantes se encuentra en el r\u00e9gimen de identificaci\u00f3n y conocimiento del Cliente o Usuario. Las nuevas disposiciones fortalecen el concepto de expediente \u00fanico de identificaci\u00f3n y establecen mayores exigencias respecto de su integraci\u00f3n, actualizaci\u00f3n y utilizaci\u00f3n.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-53e5fe6\" data-block-id=\"53e5fe6\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-53e5fe6-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-817e952\" data-v=\"4\" data-block-id=\"817e952\"><style>@media screen and (min-width: 768px){.stk-817e952 {flex:var(--stk-flex-grow, 1) 1 calc(28.2% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-817e952-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-817e952-inner-blocks\">\n<figure class=\"wp-block-image alignleft size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"907\" height=\"1370\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/08\/Banner-9.jpg\" alt=\"\" class=\"wp-image-23357\" style=\"border-radius:22px;aspect-ratio:0.75;object-fit:cover;width:255px;height:auto\"\/><\/figure>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-7f77ac7\" data-v=\"4\" data-block-id=\"7f77ac7\"><style>@media screen and (min-width: 768px){.stk-7f77ac7 {flex:var(--stk-flex-grow, 1) 1 calc(71.8% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-7f77ac7-container stk--no-background stk--no-padding\"><div class=\"has-text-align-left stk-block-content stk-inner-blocks stk-7f77ac7-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-93e012f\" data-block-id=\"93e012f\"><style>.stk-93e012f {margin-right:-12px !important;margin-bottom:16px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Particularmente, el expediente deber\u00e1 funcionar como una fuente permanente de informaci\u00f3n para el sistema de cumplimiento. A partir de la implementaci\u00f3n del nuevo modelo, la informaci\u00f3n del Cliente deber\u00e1 relacionarse con su grado de riesgo y Perfil Transaccional, permitiendo <strong>identificar modificaciones<\/strong> en su comportamiento y determinar si estas requieren una nueva evaluaci\u00f3n.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c142f5e\" data-block-id=\"c142f5e\"><style>.stk-c142f5e {margin-right:-12px !important;margin-bottom:15px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Esta evoluci\u00f3n implica pasar de un expediente que simplemente acredita que determinados documentos fueron recabados, a un expediente que permita demostrar c\u00f3mo el sujeto obligado conoce, eval\u00faa y monitorea a la persona con la que mantiene una relaci\u00f3n de negocios.<\/p><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-bbcd159\" data-block-id=\"bbcd159\"><style>.stk-bbcd159 {margin-bottom:50px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">La reforma tambi\u00e9n fortalece la identificaci\u00f3n del<strong> Beneficiario Controlador<\/strong>, incluyendo la documentaci\u00f3n de las acciones realizadas para determinar qui\u00e9n tiene dicha calidad. En consecuencia, el cumplimiento no deber\u00e1 limitarse a obtener una manifestaci\u00f3n del Cliente, sino que deber\u00e1 existir evidencia del proceso seguido para identificar y, en su caso, verificar al Beneficiario Controlador.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-5dff5e6 stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-strong-strong-strong-strong-el-conocimiento-del-cliente-strong-strong-strong-strong-span-strong\" data-block-id=\"5dff5e6\"><style>.stk-5dff5e6 {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;}.stk-5dff5e6:before{background-color:#ffffff !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\"><strong><strong><strong><strong>El conocimiento del Cliente&nbsp;<\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-2c611cc\" data-block-id=\"2c611cc\"><p class=\"stk-block-text__text has-text-align-justify\">La incorporaci\u00f3n del <strong>Perfil Transaccional<\/strong> constituye una de las modificaciones que mejor refleja esta nueva l\u00f3gica. El sujeto obligado deber\u00e1 determinar cu\u00e1l es el comportamiento esperado de cada Cliente o Usuario y posteriormente contrastarlo con las operaciones que efectivamente realice.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-2ab8ca3\" data-block-id=\"2ab8ca3\"><style>.stk-2ab8ca3 {margin-bottom:24px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Monto, frecuencia, actividad econ\u00f3mica, zona geogr\u00e1fica, origen y destino de los recursos y dem\u00e1s elementos relevantes deber\u00e1n utilizarse para determinar dicho perfil. Durante los primeros <strong>seis meses<\/strong> podr\u00e1 construirse con base en informaci\u00f3n estimada proporcionada por el propio Cliente y posteriormente deber\u00e1 actualizarse, como m\u00ednimo, cada seis meses.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e31aaf1\" data-block-id=\"e31aaf1\"><style>.stk-e31aaf1 {margin-bottom:50px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Esto significa que la debida diligencia deja de agotarse en el momento de apertura de la relaci\u00f3n. El conocimiento del Cliente se convierte en un proceso continuo.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-02ed28d stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-strong-strong-strong-strong-el-conocimiento-del-cliente-strong-strong-strong-strong-span-strong\" data-block-id=\"02ed28d\"><style>.stk-02ed28d {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;}.stk-02ed28d:before{background-color:#ffffff !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\"><strong><strong><strong><strong><strong>M\u00e1s obligaciones tecnol\u00f3gicas y mayor trazabilidad<\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d63b309\" data-block-id=\"d63b309\"><p class=\"stk-block-text__text has-text-align-justify\">La reforma tambi\u00e9n incorpora una dimensi\u00f3n tecnol\u00f3gica mucho m\u00e1s evidente. Los <strong>Mecanismos Automatizados<\/strong> deber\u00e1n permitir administrar expedientes, consolidar operaciones, monitorear el comportamiento transaccional, identificar desviaciones respecto del Perfil Transaccional, aplicar modelos de clasificaci\u00f3n de riesgo y generar alertas, entre otras funciones.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-5513393 stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-strong-strong-strong-strong-el-conocimiento-del-cliente-strong-strong-strong-strong-span-strong\" data-block-id=\"5513393\"><style>.stk-5513393 {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;margin-bottom:24px !important;}.stk-5513393:before{background-color:#ffffff !important;}.stk-5513393 .stk-block-heading__text{font-size:20px !important;}@media screen and (max-width: 1023px){.stk-5513393 .stk-block-heading__text{font-size:20px !important;}}<\/style><h4 class=\"stk-block-heading__text\"><strong><strong><strong><strong><strong><strong><strong><span style=\"color: #162c44;\" class=\"stk-highlight\">La fecha l\u00edmite para que estos mecanismos se encuentren implementados y operando es el 1 de junio de 2027.<\/span><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-countdown  root-eb-countdown-z33ak\"><div class=\"eb-parent-wrapper eb-parent-eb-countdown-z33ak \"><div class=\"eb-countdown-z33ak eb-cd-wrapper default\"><div class=\"eb-cd-inner\" blockid=\"eb-countdown-z33ak\" data-deadline-time=\"1811919540000\" data-is-evergreen-time=\"false\" data-evergreen-time-hours=\"11\" data-evergreen-time-minutes=\"59\" data-evergreen-recurring=\"false\" data-evergreen-restart-time=\"0\" data-evergreen-deadline-time=\"1788456527351\"><div class=\"box cd-box-day\"><span class=\"eb-cd-digit\">00<\/span><span class=\"eb-cd-label\">D\u00edas<\/span><\/div><div class=\"box cd-box-hour\"><span class=\"eb-cd-digit\">00<\/span><span class=\"eb-cd-label\">Horas<\/span><\/div><div class=\"box cd-box-minute\"><span class=\"eb-cd-digit\">00<\/span><span class=\"eb-cd-label\">Minutos<\/span><\/div><div class=\"box cd-box-second\"><span class=\"eb-cd-digit\">00<\/span><span class=\"eb-cd-label\">Segundos<\/span><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-24903f9\" data-block-id=\"24903f9\"><style>.stk-24903f9 {margin-top:24px !important;margin-bottom:24px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Lo anterior representa un reto importante para los sujetos obligados que actualmente administran sus controles mediante herramientas fragmentadas, hojas de c\u00e1lculo o procedimientos predominantemente manuales. La nueva regulaci\u00f3n exige que la informaci\u00f3n pueda relacionarse, consolidarse y generar trazabilidad suficiente para demostrar c\u00f3mo se toman las decisiones de prevenci\u00f3n.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ad9f5b9\" data-block-id=\"ad9f5b9\"><style>.stk-ad9f5b9 {margin-bottom:50px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Por ello, la implementaci\u00f3n tecnol\u00f3gica no debe comenzar cuando se aproxime la fecha l\u00edmite. La definici\u00f3n de requerimientos, selecci\u00f3n o adecuaci\u00f3n de herramientas, migraci\u00f3n de informaci\u00f3n y dise\u00f1o de controles deber\u00e1 formar parte de la estrategia de transici\u00f3n.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d729a51 stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-strong-strong-strong-strong-nuevos-escenarios-de-monitoreo-y-reporte-strong-strong-strong-strong-span-strong\" data-block-id=\"d729a51\"><style>.stk-d729a51 {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;}.stk-d729a51:before{background-color:#ffffff !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\"><strong><strong><strong><strong>Nuevos escenarios de monitoreo y reporte<\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-954643d\" data-block-id=\"954643d\"><style>.stk-954643d {margin-bottom:15px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-954643d-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-7d902e5\" data-v=\"4\" data-block-id=\"7d902e5\"><style>@media screen and (min-width: 768px){.stk-7d902e5 {flex:var(--stk-flex-grow, 1) 1 calc(63.79999999999998% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-7d902e5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-7d902e5-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-4e5ce7f\" data-block-id=\"4e5ce7f\"><style>.stk-4e5ce7f {margin-bottom:5px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">La reforma tambi\u00e9n modifica la l\u00f3gica de los Avisos y fortalece los mecanismos de reporte. Entre los cambios relevantes se encuentran la precisi\u00f3n de la fecha en que se considera realizado un acto u operaci\u00f3n para efectos de su reporte, las reglas de acumulaci\u00f3n durante periodos de hasta seis meses y la incorporaci\u00f3n de supuestos de Avisos dentro de las 24 horas.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-1fca90d\" data-block-id=\"1fca90d\"><style>.stk-1fca90d {margin-bottom:0px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Particularmente relevante resulta que determinados supuestos puedan generar obligaciones de reporte aun cuando la operaci\u00f3n no llegue a concretarse. Las nuevas disposiciones contemplan, entre otros escenarios, operaciones intentadas, determinados hechos o indicios y coincidencias con listas de personas vinculadas. Esto ampl\u00eda el alcance del monitoreo y obliga a los sujetos obligados a contar con procedimientos capaces de detectar y escalar oportunamente este tipo de eventos.<\/p><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-c67d994\" data-v=\"4\" data-block-id=\"c67d994\"><style>@media screen and (min-width: 768px){.stk-c67d994 {flex:var(--stk-flex-grow, 1) 1 calc(36.20000000000002% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-c67d994-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-c67d994-inner-blocks\">\n<figure class=\"wp-block-image alignright size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"907\" height=\"1370\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/08\/Banner-8.jpg\" alt=\"\" class=\"wp-image-23349\" style=\"border-radius:22px;aspect-ratio:0.6620585536248187;width:254px;height:auto\"\/><\/figure>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d6f4221\" data-block-id=\"d6f4221\"><style>.stk-d6f4221 {margin-bottom:50px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">En consecuencia, el monitoreo ya no puede concentrarse exclusivamente en operaciones concluidas que superen determinados umbrales. El sistema de prevenci\u00f3n deber\u00e1 considerar tambi\u00e9n el comportamiento, las circunstancias de la operaci\u00f3n, las alertas generadas y los elementos de riesgo identificados.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ed39076 stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-strong-strong-strong-strong-strong-personas-politicamente-expuestas-strong-strong-strong-strong-strong-span-strong\" data-block-id=\"ed39076\"><style>.stk-ed39076 {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;}.stk-ed39076:before{background-color:#ffffff !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\"><strong><strong><strong><strong><strong>Personas Pol\u00edticamente Expuestas<\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-2ee5ddb\" data-block-id=\"2ee5ddb\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-2ee5ddb-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-3812d84\" data-v=\"4\" data-block-id=\"3812d84\"><style>@media screen and (min-width: 768px){.stk-3812d84 {flex:var(--stk-flex-grow, 1) 1 calc(28.2% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-3812d84-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-3812d84-inner-blocks\">\n<figure class=\"wp-block-image alignleft size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"907\" height=\"1323\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/07\/Banner-62.jpg\" alt=\"\" class=\"wp-image-22334\" style=\"border-radius:22px;aspect-ratio:0.75;object-fit:cover;width:255px;height:auto\"\/><\/figure>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f0fc8d4\" data-v=\"4\" data-block-id=\"f0fc8d4\"><style>@media screen and (min-width: 768px){.stk-f0fc8d4 {flex:var(--stk-flex-grow, 1) 1 calc(71.8% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f0fc8d4-container stk--no-background stk--no-padding\"><div class=\"has-text-align-left stk-block-content stk-inner-blocks stk-f0fc8d4-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-7b868f8\" data-block-id=\"7b868f8\"><style>.stk-7b868f8 {margin-right:-12px !important;margin-bottom:16px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Otro cambio significativo es el nuevo esquema aplicable a las Personas Pol\u00edticamente Expuestas. La reforma incorpora un sistema que comprende la integraci\u00f3n y actualizaci\u00f3n de un listado nominativo, la consideraci\u00f3n de personas asimiladas a PEP y la creaci\u00f3n de una herramienta oficial de consulta.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-b1d5528\" data-block-id=\"b1d5528\"><style>.stk-b1d5528 {margin-right:-12px !important;margin-bottom:15px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">La denominada <strong>\u201cConsulta PEP 2.0\u201d <\/strong>est\u00e1 prevista para habilitarse el 30 de agosto de 2027 y permitir\u00e1 fortalecer los procesos de identificaci\u00f3n y evaluaci\u00f3n de riesgo mediante una fuente oficial de consulta.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8a7c8cb\" data-block-id=\"8a7c8cb\"><style>.stk-8a7c8cb {margin-right:-12px !important;margin-bottom:0px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Este cambio tambi\u00e9n implica una ampliaci\u00f3n del an\u00e1lisis que debe realizarse respecto de determinadas relaciones, pues en los supuestos previstos por las Reglas el tratamiento de <strong>PEP<\/strong> deber\u00e1 extenderse a determinadas personas vinculadas por relaciones familiares o patrimoniales.<\/p><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-29f80b9 stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-strong-strong-strong-strong-strong-strong-el-manual-de-politicas-internas-adquiere-mayor-importancia-strong-strong-strong-strong-strong-strong-span-strong\" data-block-id=\"29f80b9\"><style>.stk-29f80b9 {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;}.stk-29f80b9:before{background-color:#ffffff !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\"><strong><strong><strong><strong><strong><strong>El Manual de Pol\u00edticas Internas adquiere mayor importancia<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-f59bb6a\" data-block-id=\"f59bb6a\"><style>.stk-f59bb6a {margin-bottom:0px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-f59bb6a-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-de6cec8\" data-v=\"4\" data-block-id=\"de6cec8\"><style>@media screen and (min-width: 768px){.stk-de6cec8 {flex:var(--stk-flex-grow, 1) 1 calc(62.4% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-de6cec8-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-de6cec8-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c7bab91\" data-block-id=\"c7bab91\"><style>.stk-c7bab91 {margin-bottom:5px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">En este nuevo modelo, el <strong>Manual de Pol\u00edticas<\/strong> Internas deja de ser un documento meramente formal. Su funci\u00f3n ser\u00e1 traducir las obligaciones regulatorias en pol\u00edticas, criterios, procedimientos y controles aplicables a la operaci\u00f3n concreta del sujeto obligado.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-5b877ca\" data-block-id=\"5b877ca\"><style>.stk-5b877ca {margin-bottom:15px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">El <strong>Manual<\/strong> deber\u00e1 incorporar, entre otros elementos:<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-icon-list stk-block-icon-list stk-block stk-1d3d58f stk-block-background\" data-block-id=\"1d3d58f\"><style>.stk-1d3d58f .stk-block-icon-list-item__content{gap:13px !important;align-items:flex-start !important;}.stk-1d3d58f {--stk-icon-list-column-count:1 !important;--stk-icon-list-column-gap:21px !important;--stk-icon-list-row-gap:12px !important;--stk-icon-list-marker-color:#4778a5 !important;--stk-icon-list-icon-opacity:1 !important;--stk-icon-list-icon-size:22px !important;background-color:#ffffff !important;border-top-left-radius:21px !important;border-top-right-radius:21px !important;border-bottom-right-radius:21px !important;border-bottom-left-radius:21px !important;overflow:hidden !important;box-shadow:0 5px 30px -10px rgba(18, 63, 82, 0.3) !important;border-style:solid !important;border-top-width:0px !important;border-right-width:0px !important;border-bottom-width:0px !important;border-left-width:0px !important;max-width:645px !important;min-width:auto !important;margin-bottom:40px !important;}.stk-1d3d58f ul, .stk-1d3d58f ol{padding-left:13px !important;}.stk-1d3d58f ul .stk-block-icon-list-item__content .stk--inner-svg, .stk-1d3d58f ol .stk-block-icon-list-item__content .stk-block-icon-list-item__marker{transform:translateY(7px) !important;}.stk-1d3d58f:before{background-color:#ffffff !important;}<\/style><svg style=\"display:none\"><defs><g id=\"stk-icon-list__icon-svg-def-1d3d58f\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zM140 300h116v70.9c0 10.7 13 16.1 20.5 8.5l114.3-114.9c4.7-4.7 4.7-12.2 0-16.9l-114.3-115c-7.6-7.6-20.5-2.2-20.5 8.5V212H140c-6.6 0-12 5.4-12 12v64c0 6.6 5.4 12 12 12z\"\/><\/svg><\/g><\/defs><\/svg><ul class=\"stk-block-icon-list__ul stk-block-icon-list--column\">\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-07d40b0\" data-block-id=\"07d40b0\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-1d3d58f\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">&nbsp;las pol\u00edticas de identificaci\u00f3n y conocimiento de Clientes o Usuarios,<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-c9e7f6d\" data-block-id=\"c9e7f6d\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-1d3d58f\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">la determinaci\u00f3n del Grado de Riesgo,<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-ca49e86\" data-block-id=\"ca49e86\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-1d3d58f\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">la metodolog\u00eda de evaluaci\u00f3n de riesgos<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-4655289\" data-block-id=\"4655289\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-1d3d58f\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">y las medidas de mitigaci\u00f3n correspondientes.<\/span><\/div><\/li>\n<\/ul><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-204560b\" data-v=\"4\" data-block-id=\"204560b\"><style>@media screen and (min-width: 768px){.stk-204560b {flex:var(--stk-flex-grow, 1) 1 calc(37.599999999999994% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-204560b-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-204560b-inner-blocks\">\n<figure class=\"wp-block-image alignright size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1610\" height=\"1040\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/08\/Banner-10.jpg\" alt=\"\" class=\"wp-image-23360\" style=\"border-radius:22px;aspect-ratio:0.75;object-fit:cover;object-position:73% 60%;width:302px;height:auto\"\/><\/figure>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-2a930d1\" data-block-id=\"2a930d1\"><style>.stk-2a930d1 {margin-bottom:50px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Por ello, una de las primeras acciones que deber\u00eda realizar cualquier sujeto obligado consiste en revisar si su Manual actual realmente refleja la forma en que opera, los riesgos que enfrenta y los controles que efectivamente aplica. Un Manual desactualizado o que no guarde congruencia con la operaci\u00f3n puede convertirse en una debilidad relevante frente a una revisi\u00f3n de la autoridad.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-a07b0b2 stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-strong-strong-strong-strong-strong-strong-strong-mayor-exigencia-sobre-auditoria-y-evidencia-de-cumplimiento-strong-strong-strong-strong-strong-strong-strong-span-strong\" data-block-id=\"a07b0b2\"><style>.stk-a07b0b2 {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;}.stk-a07b0b2:before{background-color:#ffffff !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\"><strong><strong><strong><strong><strong><strong><strong>Mayor exigencia sobre auditor\u00eda y evidencia de cumplimiento<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-9a96337\" data-block-id=\"9a96337\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-9a96337-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-d91d6e6\" data-v=\"4\" data-block-id=\"d91d6e6\"><style>@media screen and (min-width: 768px){.stk-d91d6e6 {flex:var(--stk-flex-grow, 1) 1 calc(28.2% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-d91d6e6-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-d91d6e6-inner-blocks\">\n<figure class=\"wp-block-image alignleft size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"907\" height=\"1500\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/08\/Banner-5.jpg\" alt=\"\" class=\"wp-image-23336\" style=\"border-radius:22px;aspect-ratio:0.75;object-fit:cover;width:255px;height:auto\"\/><\/figure>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-6b6a194\" data-v=\"4\" data-block-id=\"6b6a194\"><style>@media screen and (min-width: 768px){.stk-6b6a194 {flex:var(--stk-flex-grow, 1) 1 calc(71.8% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-6b6a194-container stk--no-background stk--no-padding\"><div class=\"has-text-align-left stk-block-content stk-inner-blocks stk-6b6a194-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-583a777\" data-block-id=\"583a777\"><style>.stk-583a777 {margin-right:-12px !important;margin-bottom:16px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Finalmente, la reforma fortalece el componente de <strong>evaluaci\u00f3n<\/strong> y <strong>auditor\u00eda<\/strong>. La revisi\u00f3n deber\u00e1 efectuarse de manera peri\u00f3dica y documentada, y su alcance deber\u00e1 permitir identificar el nivel de cumplimiento de las obligaciones aplicables, as\u00ed como las deficiencias, acciones correctivas y seguimiento correspondiente.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-88e59e0\" data-block-id=\"88e59e0\"><style>.stk-88e59e0 {margin-right:-12px !important;margin-bottom:15px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">La modalidad de auditor\u00eda depender\u00e1 del nivel de riesgo determinado: para sujetos obligados de riesgo bajo o medio podr\u00e1 realizarse auditor\u00eda interna o externa, mientras que para aquellos clasificados con riesgo alto deber\u00e1 realizarse una auditor\u00eda externa independiente.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-3495eb9\" data-block-id=\"3495eb9\"><style>.stk-3495eb9 {margin-right:-12px !important;margin-bottom:0px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">El primer periodo de auditor\u00eda bajo este nuevo esquema comprender\u00e1 del <strong>1 de enero al 31 de diciembre de 2028<\/strong>, con emisi\u00f3n del dictamen correspondiente a m\u00e1s tardar en marzo de 2029.<\/p><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ea00e76\" data-block-id=\"ea00e76\"><style>.stk-ea00e76 {margin-bottom:50px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\"><strong>Esto confirma una tendencia clara:<\/strong> el cumplimiento deber\u00e1 poder demostrarse. No bastar\u00e1 con afirmar que existen pol\u00edticas o procedimientos; ser\u00e1 necesario conservar evidencia suficiente de su implementaci\u00f3n, operaci\u00f3n, seguimiento y eficacia.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-fae1281 stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-strong-strong-strong-strong-la-verdadera-relevancia-esta-en-la-transicion-strong-strong-strong-strong-span-strong\" data-block-id=\"fae1281\"><style>.stk-fae1281 {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;}.stk-fae1281:before{background-color:#ffffff !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\"><strong><strong><strong><strong>La verdadera relevancia est\u00e1 en la transici\u00f3n<\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0590133\" data-block-id=\"0590133\"><p class=\"stk-block-text__text has-text-align-justify\">Uno de los aspectos que no debe perderse de vista es que la reforma no establece una \u00fanica fecha de cumplimiento. Los art\u00edculos transitorios contemplan una implementaci\u00f3n escalonada, con fechas relevantes que van desde el <strong>30 de noviembre de 2026<\/strong> hasta <strong>2028<\/strong> y <strong>2029<\/strong>.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d5639c1\" data-block-id=\"d5639c1\"><p class=\"stk-block-text__text has-text-align-justify\"><strong>Entre los principales hitos se encuentran el:<\/strong><\/p><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-timeline  root-eb-timeline-utsne\"><div class=\"eb-parent-wrapper eb-parent-eb-timeline-utsne \"><div class=\"eb-timeline-wrapper eb-timeline-utsne left-layout layout-preset-1 eb-timeline-line-style-one \" data-id=\"eb-timeline-utsne\" data-connector-color=\"#DCDCDC\" data-progress-color=\"#323232\" data-connector-width=\"1\"><div class=\"eb-timeline-progress-line\"><div class=\"eb-timeline-progress-fill\"><\/div><\/div><div class=\"eb-timeline-item\" data-index=\"0\"><div class=\"eb-timeline-date-section\"><div class=\"eb-timeline-date\">Marzo 2027<\/div><\/div><div class=\"eb-timeline-dot\"><div class=\"eb-timeline-dot-inner\"><i icon=\"far fa-circle-dot\" class=\"far fa-circle-dot eb-timeline-dot-icon\"><\/i><\/div><\/div><div class=\"eb-timeline-item-content\"><div class=\"eb-timeline-content\"><div class=\"eb-timeline-date-section\"><div class=\"eb-timeline-date\">Marzo 2027<\/div><\/div><h2 class=\"eb-timeline-title\">1 de marzo de 2027<\/h2><div class=\"eb-timeline-excerpt\"><p>para la implementaci\u00f3n del <strong>EBR<\/strong> y diversos elementos asociados al conocimiento del Cliente.<\/p><\/div><\/div><\/div><\/div><div class=\"eb-timeline-item\" data-index=\"1\"><div class=\"eb-timeline-date-section\"><div class=\"eb-timeline-date\">Junio 2027<\/div><\/div><div class=\"eb-timeline-dot\"><div class=\"eb-timeline-dot-inner\"><i icon=\"far fa-circle-dot\" class=\"far fa-circle-dot eb-timeline-dot-icon\"><\/i><\/div><\/div><div class=\"eb-timeline-item-content\"><div class=\"eb-timeline-content\"><div class=\"eb-timeline-date-section\"><div class=\"eb-timeline-date\">Junio 2027<\/div><\/div><h2 class=\"eb-timeline-title\">1 de junio de 2027<\/h2><div class=\"eb-timeline-excerpt\"><p>para los mecanismos automatizados.<\/p><\/div><\/div><\/div><\/div><div class=\"eb-timeline-item\" data-index=\"2\"><div class=\"eb-timeline-date-section\"><div class=\"eb-timeline-date\">Julio 2027<\/div><\/div><div class=\"eb-timeline-dot\"><div class=\"eb-timeline-dot-inner\"><i icon=\"far fa-circle-dot\" class=\"far fa-circle-dot eb-timeline-dot-icon\"><\/i><\/div><\/div><div class=\"eb-timeline-item-content\"><div class=\"eb-timeline-content\"><div class=\"eb-timeline-date-section\"><div class=\"eb-timeline-date\">Julio 2027<\/div><\/div><h2 class=\"eb-timeline-title\"> 30 de julio de 2027<\/h2><div class=\"eb-timeline-excerpt\"><p>para las notificaciones electr\u00f3nicas.<\/p><\/div><\/div><\/div><\/div><div class=\"eb-timeline-item\" data-index=\"3\"><div class=\"eb-timeline-date-section\"><div class=\"eb-timeline-date\">Agosto 2027<\/div><\/div><div class=\"eb-timeline-dot\"><div class=\"eb-timeline-dot-inner\"><i icon=\"far fa-circle-dot\" class=\"far fa-circle-dot eb-timeline-dot-icon\"><\/i><\/div><\/div><div class=\"eb-timeline-item-content\"><div class=\"eb-timeline-content\"><div class=\"eb-timeline-date-section\"><div class=\"eb-timeline-date\">Agosto 2027<\/div><\/div><h2 class=\"eb-timeline-title\">30 de agosto de 2027<\/h2><div class=\"eb-timeline-excerpt\"><p>para la Consulta PEP 2.0.<\/p><\/div><\/div><\/div><\/div><div class=\"eb-timeline-item\" data-index=\"4\"><div class=\"eb-timeline-date-section\"><div class=\"eb-timeline-date\">2028<\/div><\/div><div class=\"eb-timeline-dot\"><div class=\"eb-timeline-dot-inner\"><i icon=\"far fa-circle-dot\" class=\"far fa-circle-dot eb-timeline-dot-icon\"><\/i><\/div><\/div><div class=\"eb-timeline-item-content\"><div class=\"eb-timeline-content\"><div class=\"eb-timeline-date-section\"><div class=\"eb-timeline-date\">2028<\/div><\/div><h2 class=\"eb-timeline-title\">2028<\/h2><div class=\"eb-timeline-excerpt\"><p>como primer ejercicio sujeto al nuevo esquema anual de auditor\u00eda.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0b6b40f\" data-block-id=\"0b6b40f\"><style>.stk-0b6b40f {margin-bottom:50px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Por ello, la estrategia adecuada no consiste en esperar a que cada obligaci\u00f3n sea exigible. La transici\u00f3n debe comenzar desde ahora mediante un diagn\u00f3stico de brechas que permita identificar qu\u00e9 pol\u00edticas, procedimientos, expedientes, sistemas, contratos, herramientas tecnol\u00f3gicas y controles deber\u00e1n modificarse.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-3f19655 stk-block-background\" id=\"strong-span-style-color-4778-a-5-class-stk-highlight-strong-strong-strong-conclusion-strong-strong-strong-span-strong\" data-block-id=\"3f19655\"><style>.stk-3f19655 {background-color:#ffffff !important;border-top-left-radius:28px !important;border-top-right-radius:28px !important;border-bottom-right-radius:28px !important;border-bottom-left-radius:28px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;}.stk-3f19655:before{background-color:#ffffff !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\"><strong><strong><strong>Conclusi\u00f3n<\/strong><\/strong><\/strong><\/span><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-5afdbd9\" data-block-id=\"5afdbd9\"><style>.stk-5afdbd9 {margin-bottom:0px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-5afdbd9-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-6530487\" data-v=\"4\" data-block-id=\"6530487\"><style>.stk-6530487 {margin-bottom:0px !important;}@media screen and (min-width: 768px){.stk-6530487 {flex:var(--stk-flex-grow, 1) 1 calc(66.666% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-6530487-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-6530487-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a047700\" data-block-id=\"a047700\"><style>.stk-a047700 {margin-bottom:15px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">El nuevo modelo coloca al riesgo en el centro del sistema. La identificaci\u00f3n del Cliente, el Beneficiario Controlador, el Perfil Transaccional, la clasificaci\u00f3n de riesgo, el monitoreo, los mecanismos automatizados, las alertas, los mitigantes, el Manual de Pol\u00edticas Internas y la auditor\u00eda dejan de funcionar como elementos independientes y pasan a formar parte de un mismo <strong>sistema de prevenci\u00f3n<\/strong>.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-1e7a3c6\" data-block-id=\"1e7a3c6\"><style>.stk-1e7a3c6 {margin-bottom:0px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">En este contexto, uno de los principales retos para los sujetos obligados ser\u00e1 lograr que exista congruencia entre lo que establece su documentaci\u00f3n interna, la informaci\u00f3n que conservan, los procesos que realmente ejecutan y las herramientas mediante las cuales monitorean sus operaciones.<\/p><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-595e0b4\" data-v=\"4\" data-block-id=\"595e0b4\"><style>@media screen and (min-width: 768px){.stk-595e0b4 {flex:var(--stk-flex-grow, 1) 1 calc(33.33400000000002% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-595e0b4-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-595e0b4-inner-blocks\">\n<figure class=\"wp-block-image alignright size-full has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"907\" height=\"1370\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/08\/Banner-11.jpg\" alt=\"\" class=\"wp-image-23363\" style=\"border-radius:22px;aspect-ratio:1;object-fit:cover;object-position:70% 73%\"\/><\/figure>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-2c13715\" data-block-id=\"2c13715\"><p class=\"stk-block-text__text has-text-align-justify\">La autoridad no solo podr\u00e1 revisar si existe un expediente o un manual, sino que el nuevo esquema exige contar con elementos que permitan acreditar c\u00f3mo se identific\u00f3 el riesgo, c\u00f3mo se clasific\u00f3 al Cliente, qu\u00e9 comportamiento se esperaba, qu\u00e9 operaciones se realizaron, qu\u00e9 alertas se generaron y qu\u00e9 medidas se adoptaron frente a los riesgos detectados.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-9010b52\" data-block-id=\"9010b52\"><style>.stk-9010b52 {margin-bottom:0px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-9010b52-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-25270df\" data-v=\"4\" data-block-id=\"25270df\"><style>@media screen and (min-width: 768px){.stk-25270df {flex:var(--stk-flex-grow, 1) 1 calc(28.2% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-25270df-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-25270df-inner-blocks\">\n<figure class=\"wp-block-image alignleft size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"907\" height=\"1370\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/08\/Banner-12.jpg\" alt=\"\" class=\"wp-image-23366\" style=\"border-radius:22px;aspect-ratio:0.75;object-fit:cover;width:255px;height:auto\"\/><\/figure>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-6fe48a9\" data-v=\"4\" data-block-id=\"6fe48a9\"><style>@media screen and (min-width: 768px){.stk-6fe48a9 {flex:var(--stk-flex-grow, 1) 1 calc(71.8% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-6fe48a9-container stk--no-background stk--no-padding\"><div class=\"has-text-align-left stk-block-content stk-inner-blocks stk-6fe48a9-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-afefd46\" data-block-id=\"afefd46\"><style>.stk-afefd46 {margin-right:-12px !important;margin-bottom:16px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Por ello, la implementaci\u00f3n de la reforma debe abordarse como un proyecto integral de actualizaci\u00f3n del <strong>sistema de cumplimiento<\/strong>, y no como una serie de ajustes aislados. El primer paso debe ser identificar las brechas existentes; posteriormente, establecer prioridades, responsables y fechas de implementaci\u00f3n, considerando el calendario previsto en los art\u00edculos transitorios.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-65d7be7\" data-block-id=\"65d7be7\"><style>.stk-65d7be7 {margin-right:-12px !important;margin-bottom:15px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">En t\u00e9rminos pr\u00e1cticos, esperar hasta que cada obligaci\u00f3n sea exigible puede generar una implementaci\u00f3n apresurada y fragmentada. Por el contrario, utilizar el periodo de transici\u00f3n para revisar la metodolog\u00eda de riesgos, actualizar el Manual de Pol\u00edticas Internas, depurar expedientes, fortalecer los procesos de identificaci\u00f3n y conocimiento, preparar los controles de PEP y Beneficiario Controlador, definir los requerimientos tecnol\u00f3gicos y establecer mecanismos de seguimiento permitir\u00e1 llegar a las fechas de cumplimiento con un sistema ya preparado para operar bajo el nuevo r\u00e9gimen.<\/p><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-12add50\" data-block-id=\"12add50\"><p class=\"stk-block-text__text has-text-align-justify\">La reforma, en consecuencia, no debe entenderse \u00fanicamente como una nueva carga regulatoria. Tambi\u00e9n representa una oportunidad para revisar la madurez del <strong>sistema de cumplimiento<\/strong> de cada sujeto obligado y determinar si este realmente permite prevenir, detectar, gestionar y acreditar los riesgos asociados con sus operaciones.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-9a7d36e\" data-block-id=\"9a7d36e\"><style>.stk-9a7d36e {margin-top:300px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-9a7d36e-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-ae4d610\" data-v=\"4\" data-block-id=\"ae4d610\"><style>@media screen and (min-width: 768px){.stk-ae4d610 {flex:var(--stk-flex-grow, 1) 1 calc(66.667% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-ae4d610-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-ae4d610-inner-blocks\">\n<div class=\"wp-block-stackable-call-to-action stk-block-call-to-action stk-block stk-8e495e7 is-style-default\" data-v=\"2\" data-block-id=\"8e495e7\"><style>.stk-8e495e7 {border-top-left-radius:22px !important;border-top-right-radius:22px !important;border-bottom-right-radius:22px !important;border-bottom-left-radius:22px !important;overflow:hidden !important;box-shadow:0px 10px 60px #0000001a !important;}<\/style><div class=\"stk-block-call-to-action__content stk-content-align stk-8e495e7-column stk-container stk-8e495e7-container stk-hover-parent\"><div class=\"has-text-align-center stk-block-content stk-inner-blocks stk-8e495e7-inner-blocks\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-8ab3a22\" id=\"span-style-color-162-c-44-class-stk-highlight-strong-span-style-color-162-c-44-class-stk-highlight-strong-strong-proximamente-strong-strong-span-strong-span\" data-block-id=\"8ab3a22\"><h3 class=\"stk-block-heading__text\"><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong><strong>Pr\u00f3ximamente<\/strong><\/strong><\/span><\/strong><\/span><\/h3><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-7b435c6\" data-block-id=\"7b435c6\"><p class=\"stk-block-text__text\">M\u00f3dulo de PLD (Prevenci\u00f3n de Lavado de Dinero) <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-1f4e058\" data-block-id=\"1f4e058\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-7d1cdae\" data-block-id=\"7d1cdae\"><style>.stk-7d1cdae {border-top-left-radius:14px !important;border-top-right-radius:14px !important;border-bottom-right-radius:14px !important;border-bottom-left-radius:14px !important;overflow:hidden !important;}.stk-7d1cdae .stk-button{background:#5c6c7c !important;}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/www.lecosy.com.mx\/soluciones\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\">CLICK AQU\u00cd<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-b351f25\" data-v=\"4\" data-block-id=\"b351f25\"><style>@media screen and (min-width: 768px){.stk-b351f25 {flex:var(--stk-flex-grow, 1) 1 calc(33.333% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-b351f25-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-b351f25-inner-blocks\">\n<figure class=\"wp-block-image size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" 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