{"id":24053,"date":"2026-10-07T09:05:00","date_gmt":"2026-10-07T16:05:00","guid":{"rendered":"https:\/\/blog.lecosy.com.mx\/?p=24053"},"modified":"2026-10-07T09:09:43","modified_gmt":"2026-10-07T16:09:43","slug":"perfil-transaccional-del-cliente-o-usuario","status":"publish","type":"post","link":"https:\/\/blog.lecosy.com.mx\/index.php\/2026\/10\/07\/perfil-transaccional-del-cliente-o-usuario\/","title":{"rendered":"Perfil transaccional del cliente o usuario"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\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=\"1024\" height=\"470\" class=\"wp-block-cover__image-background wp-image-24085 size-large\" alt=\"\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-63-1024x470.jpg\" data-object-fit=\"cover\" 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class=\"gutenverse-nav-logo\"><\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<button class=\"gutenverse-close-menu\"><i aria-hidden=\"true\" class=\"fas fa-times\"><\/i><\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><\/div>\n\n\n\n<div style=\"height:320px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<main class=\"wp-block-group 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\">Perfil transaccional del cliente o usuario<\/h2>\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider has-text-align-left stk-block stk-87e9dc3 is-style-bar\" data-block-id=\"87e9dc3\"><style>.stk-87e9dc3 hr.stk-block-divider__hr{background:#5c6c7c !important;border-radius:calc(3px \/ 2) !important;height:3px !important;width:100% !important;}.stk-87e9dc3 {margin-bottom:0px !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:clamp(1.146rem, 1.146rem + ((1vw - 0.2rem) * 1.189), 1.8rem);\"><em><strong><span style=\"color: #4778a5;\" class=\"stk-highlight\">\u00bfC\u00f3mo se determina?&nbsp;<\/span><\/strong><\/em><\/p>\n<\/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=\"2026-10-07T09:05:00-07:00\">7 octubre, 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-5c6d681\" id=\"strong-strong-strong-span-style-color-162-c-44-class-stk-highlight-strong-sintesis-strong-span-strong-strong-strong\" data-block-id=\"5c6d681\"><style>.stk-5c6d681 .stk-block-heading__bottom-line{height:3px !important;background-color:#162c44 !important;}.stk-5c6d681 {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !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:831px !important;min-width:auto !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><strong><strong><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong>S\u00edntesis<\/strong><\/span><\/strong><\/strong><\/strong><\/h4><div class=\"stk-block-heading__bottom-line\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8b190a9 stk-block-background\" data-block-id=\"8b190a9\"><style>.stk-8b190a9 {column-count:1 !important;background-color:#F6F6F6 !important;border-top-left-radius:31px !important;border-top-right-radius:31px !important;border-bottom-right-radius:31px !important;border-bottom-left-radius:31px !important;overflow:hidden !important;align-items:center !important;max-width:1500px !important;min-width:auto !important;margin-bottom:150px !important;display:flex !important;}.stk-8b190a9:before{background-color:#F6F6F6 !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">El presente art\u00edculo analiza el concepto de perfil transaccional, sus principales elementos y su importancia dentro del monitoreo de operaciones y del Enfoque Basado en Riesgo, destacando la necesidad de que este sea din\u00e1mico, documentado y congruente con la informaci\u00f3n obtenida durante el conocimiento del cliente. &nbsp;<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-4aec98f is-style-bar\" id=\"span-style-color-162-c-44-class-stk-highlight-strong-span-style-color-162-c-44-class-stk-highlight-strong-existe-una-nueva-forma-de-llevar-el-compliance-strong-span-strong-span\" data-block-id=\"4aec98f\"><style>.stk-4aec98f hr.stk-block-divider__hr{background:#5c6d7d52 !important;border-radius:calc(5px \/ 2) !important;height:5px !important;width:45% !important;}.stk-4aec98f {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !important;margin-top:48px !important;margin-bottom:50px !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-44ae8d1\" data-block-id=\"44ae8d1\"><p class=\"stk-block-text__text has-text-align-justify\">En materia de Prevenci\u00f3n de Lavado de Dinero, conocer al cliente no significa \u00fanicamente identificarlo, integrar su expediente y conocer su actividad econ\u00f3mica. Tambi\u00e9n implica comprender, dentro de lo razonablemente posible, <strong>c\u00f3mo opera y qu\u00e9 comportamiento puede esperarse de \u00e9l<\/strong> a lo largo del desarrollo de la actividad vulnerable.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-da5e2d1\" data-block-id=\"da5e2d1\"><style>.stk-da5e2d1 {margin-bottom:6px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-da5e2d1-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-17f6bb3\" data-v=\"4\" data-block-id=\"17f6bb3\"><style>@media screen and (min-width: 768px){.stk-17f6bb3 {flex:var(--stk-flex-grow, 1) 1 calc(69% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-17f6bb3-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-17f6bb3-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9a79a14\" data-block-id=\"9a79a14\"><style>.stk-9a79a14 {margin-bottom:10px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">En este contexto surge el concepto de <strong>perfil transaccional<\/strong>, como un marco de referencia que permite establecer un indicio sobre el comportamiento habitual o esperado de un cliente, considerando las caracter\u00edsticas de su actividad, capacidad econ\u00f3mica, operaciones y dem\u00e1s informaci\u00f3n relevante.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-21956ff\" data-block-id=\"21956ff\"><style>.stk-21956ff {margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">La utilidad del perfil transaccional se hace evidente cuando las operaciones reales de un cliente son comparadas con dicho comportamiento esperado. Una operaci\u00f3n no necesariamente representa un riesgo por su monto o naturaleza de manera aislada; su relevancia puede encontrarse en la falta de congruencia con las circunstancias conocidas del cliente y con el patr\u00f3n de operaciones y\/o comportamiento previamente identificado.<\/p><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-32bff8c\" data-v=\"4\" data-block-id=\"32bff8c\"><style>@media screen and (min-width: 768px){.stk-32bff8c {flex:var(--stk-flex-grow, 1) 1 calc(31% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-32bff8c-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-32bff8c-inner-blocks\">\n<figure class=\"wp-block-image 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\/09\/Banner-70.jpg\" alt=\"\" class=\"wp-image-24094\" style=\"border-radius:22px;aspect-ratio:3\/4;object-fit:cover;object-position:94% 42%;width:250px;height:auto\" srcset=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-70.jpg 1610w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-70-300x194.jpg 300w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-70-1024x661.jpg 1024w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-70-768x496.jpg 768w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-70-1536x992.jpg 1536w\" sizes=\"auto, (max-width: 1610px) 100vw, 1610px\" \/><\/figure>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-409a506\" data-block-id=\"409a506\"><style>.stk-409a506 {margin-bottom:0px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Por ello, comprender qu\u00e9 es un perfil transaccional, c\u00f3mo se construye y cu\u00e1l es su funci\u00f3n dentro del sistema de PLD resulta indispensable para implementar mecanismos de monitoreo y alertamiento que permitan detectar oportunamente desviaciones al realizar un an\u00e1lisis de riesgos.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-59e3f18 is-style-bar\" id=\"span-style-color-162-c-44-class-stk-highlight-strong-span-style-color-162-c-44-class-stk-highlight-strong-existe-una-nueva-forma-de-llevar-el-compliance-strong-span-strong-span\" data-block-id=\"59e3f18\"><style>.stk-59e3f18 hr.stk-block-divider__hr{background:#5c6d7d52 !important;border-radius:calc(5px \/ 2) !important;height:5px !important;width:45% !important;}.stk-59e3f18 {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !important;margin-top:48px !important;margin-bottom:50px !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d40d75f\" id=\"strong-strong-strong-span-style-color-162-c-44-class-stk-highlight-strong-strong-1-que-es-un-perfil-transaccional-strong-strong-span-strong-strong-strong\" data-block-id=\"d40d75f\"><style>.stk-d40d75f .stk-block-heading__bottom-line{height:3px !important;background-color:#162c44 !important;}.stk-d40d75f {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !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:831px !important;min-width:auto !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><strong><strong><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong><strong>1. \u00bfQu\u00e9 es un perfil transaccional?<\/strong><\/strong><\/span><\/strong><\/strong><\/strong><\/h4><div class=\"stk-block-heading__bottom-line\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0b77916\" data-block-id=\"0b77916\"><p class=\"stk-block-text__text has-text-align-justify\">El <strong>perfil transaccional <\/strong>puede entenderse como la caracterizaci\u00f3n del comportamiento operativo que razonablemente se espera de un cliente, a partir de la informaci\u00f3n obtenida durante su identificaci\u00f3n y conocimiento. <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-af3d05d\" data-block-id=\"af3d05d\"><p class=\"stk-block-text__text has-text-align-justify\">No se trata simplemente de establecer cu\u00e1nto dinero mueve un cliente. El perfil busca integrar diferentes variables que, analizadas conjuntamente, permitan comprender cu\u00e1l es el comportamiento que resulta congruente con sus caracter\u00edsticas particulares.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-icon-list stk-block-icon-list has-text-align-left stk__use-custom-icon-color 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:2 !important;--stk-icon-list-column-gap:0px !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:31px !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;max-width:1500px !important;min-width:auto !important;margin-bottom:20px !important;}.stk-1d3d58f ul, .stk-1d3d58f ol{padding-left:25px !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(4px) !important;}.stk-1d3d58f .stk-block-icon-list__group{margin-inline:0 auto !important;}.stk-1d3d58f:before{background-color:#ffffff !important;}@media screen and (max-width: 767px){.stk-1d3d58f {--stk-icon-list-column-count:1 !important;}}<\/style><svg style=\"display:none\"><defs><g id=\"stk-icon-list__icon-svg-def-1d3d58f\"><svg class=\"ugb-custom-icon\"   viewBox=\"0 0 488 494\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M406.934 246.981L238.051 447.97H21L190.013 246.981L21 46H237.922L406.934 246.981Z\" fill=\"url(#paint0_linear_5422_65-86851)\"\/>\n<path opacity=\"0.3\" d=\"M467.001 246.985L359.175 375.307H220.609L328.513 246.985L220.609 118.672H359.098L467.001 246.985Z\" fill=\"url(#paint1_linear_5422_65-86851)\"\/>\n<path d=\"M420.82 246.974L291.271 401.153H207.469L337.105 246.974L207.469 92.8047H291.175L420.82 246.974Z\" fill=\"url(#paint2_linear_5422_65-86851)\"\/>\n<defs>\n<linearGradient id=\"paint0_linear_5422_65-86851\" x1=\"333.071\" y1=\"246.982\" x2=\"-30.2099\" y2=\"246.982\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<linearGradient id=\"paint1_linear_5422_65-86851\" x1=\"123.07\" y1=\"246.986\" x2=\"411.044\" y2=\"246.986\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<linearGradient id=\"paint2_linear_5422_65-86851\" x1=\"-24.18\" y1=\"246.975\" x2=\"349.054\" y2=\"246.975\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<\/defs>\n<\/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 class=\"ugb-custom-icon\" viewBox=\"0 0 488 494\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" width=\"32\" height=\"32\">\n<path d=\"M406.934 246.981L238.051 447.97H21L190.013 246.981L21 46H237.922L406.934 246.981Z\" fill=\"url(#paint0_linear_5422_65-97951)\"\/>\n<path opacity=\"0.3\" d=\"M467.001 246.985L359.175 375.307H220.609L328.513 246.985L220.609 118.672H359.098L467.001 246.985Z\" fill=\"url(#paint1_linear_5422_65-97951)\"\/>\n<path d=\"M420.82 246.974L291.271 401.153H207.469L337.105 246.974L207.469 92.8047H291.175L420.82 246.974Z\" fill=\"white\"\/>\n<defs>\n<linearGradient id=\"paint0_linear_5422_65-97951\" x1=\"333.071\" y1=\"246.982\" x2=\"-30.2099\" y2=\"246.982\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<linearGradient id=\"paint1_linear_5422_65-97951\" x1=\"123.07\" y1=\"246.986\" x2=\"411.044\" y2=\"246.986\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<\/defs>\n<\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\"><strong>Monto de las operaciones;<\/strong><\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-ee4bd54\" data-block-id=\"ee4bd54\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg class=\"ugb-custom-icon\" viewBox=\"0 0 488 494\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" width=\"32\" height=\"32\">\n<path d=\"M406.934 246.981L238.051 447.97H21L190.013 246.981L21 46H237.922L406.934 246.981Z\" fill=\"url(#paint0_linear_5422_65-34872)\"\/>\n<path opacity=\"0.3\" d=\"M467.001 246.985L359.175 375.307H220.609L328.513 246.985L220.609 118.672H359.098L467.001 246.985Z\" fill=\"url(#paint1_linear_5422_65-34872)\"\/>\n<path d=\"M420.82 246.974L291.271 401.153H207.469L337.105 246.974L207.469 92.8047H291.175L420.82 246.974Z\" fill=\"white\"\/>\n<defs>\n<linearGradient id=\"paint0_linear_5422_65-34872\" x1=\"333.071\" y1=\"246.982\" x2=\"-30.2099\" y2=\"246.982\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<linearGradient id=\"paint1_linear_5422_65-34872\" x1=\"123.07\" y1=\"246.986\" x2=\"411.044\" y2=\"246.986\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<\/defs>\n<\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\"><strong>Frecuencia;<\/strong><\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-7d55edd\" data-block-id=\"7d55edd\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg class=\"ugb-custom-icon\" viewBox=\"0 0 488 494\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" width=\"32\" height=\"32\">\n<path d=\"M406.934 246.981L238.051 447.97H21L190.013 246.981L21 46H237.922L406.934 246.981Z\" fill=\"url(#paint0_linear_5422_65-82014)\"\/>\n<path opacity=\"0.3\" d=\"M467.001 246.985L359.175 375.307H220.609L328.513 246.985L220.609 118.672H359.098L467.001 246.985Z\" fill=\"url(#paint1_linear_5422_65-82014)\"\/>\n<path d=\"M420.82 246.974L291.271 401.153H207.469L337.105 246.974L207.469 92.8047H291.175L420.82 246.974Z\" fill=\"white\"\/>\n<defs>\n<linearGradient id=\"paint0_linear_5422_65-82014\" x1=\"333.071\" y1=\"246.982\" x2=\"-30.2099\" y2=\"246.982\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<linearGradient id=\"paint1_linear_5422_65-82014\" x1=\"123.07\" y1=\"246.986\" x2=\"411.044\" y2=\"246.986\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<\/defs>\n<\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\"><strong>Zona o \u00e1rea geogr\u00e1fica;<\/strong><\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-ab14812\" data-block-id=\"ab14812\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg class=\"ugb-custom-icon\" viewBox=\"0 0 488 494\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" width=\"32\" height=\"32\">\n<path d=\"M406.934 246.981L238.051 447.97H21L190.013 246.981L21 46H237.922L406.934 246.981Z\" fill=\"url(#paint0_linear_5422_65-68289)\"\/>\n<path opacity=\"0.3\" d=\"M467.001 246.985L359.175 375.307H220.609L328.513 246.985L220.609 118.672H359.098L467.001 246.985Z\" fill=\"url(#paint1_linear_5422_65-68289)\"\/>\n<path d=\"M420.82 246.974L291.271 401.153H207.469L337.105 246.974L207.469 92.8047H291.175L420.82 246.974Z\" fill=\"white\"\/>\n<defs>\n<linearGradient id=\"paint0_linear_5422_65-68289\" x1=\"333.071\" y1=\"246.982\" x2=\"-30.2099\" y2=\"246.982\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<linearGradient id=\"paint1_linear_5422_65-68289\" x1=\"123.07\" y1=\"246.986\" x2=\"411.044\" y2=\"246.986\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<\/defs>\n<\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\"><strong>Origen y destino de recursos;<\/strong><\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-520934f\" data-block-id=\"520934f\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg class=\"ugb-custom-icon\" viewBox=\"0 0 488 494\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" width=\"32\" height=\"32\">\n<path d=\"M406.934 246.981L238.051 447.97H21L190.013 246.981L21 46H237.922L406.934 246.981Z\" fill=\"url(#paint0_linear_5422_65-17788)\"\/>\n<path opacity=\"0.3\" d=\"M467.001 246.985L359.175 375.307H220.609L328.513 246.985L220.609 118.672H359.098L467.001 246.985Z\" fill=\"url(#paint1_linear_5422_65-17788)\"\/>\n<path d=\"M420.82 246.974L291.271 401.153H207.469L337.105 246.974L207.469 92.8047H291.175L420.82 246.974Z\" fill=\"white\"\/>\n<defs>\n<linearGradient id=\"paint0_linear_5422_65-17788\" x1=\"333.071\" y1=\"246.982\" x2=\"-30.2099\" y2=\"246.982\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<linearGradient id=\"paint1_linear_5422_65-17788\" x1=\"123.07\" y1=\"246.986\" x2=\"411.044\" y2=\"246.986\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<\/defs>\n<\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\"><strong>Actividad econ\u00f3mica, y;<\/strong><\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-781f9ed\" data-block-id=\"781f9ed\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg class=\"ugb-custom-icon\" viewBox=\"0 0 488 494\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" width=\"32\" height=\"32\">\n<path d=\"M406.934 246.981L238.051 447.97H21L190.013 246.981L21 46H237.922L406.934 246.981Z\" fill=\"url(#paint0_linear_5422_65-55864)\"\/>\n<path opacity=\"0.3\" d=\"M467.001 246.985L359.175 375.307H220.609L328.513 246.985L220.609 118.672H359.098L467.001 246.985Z\" fill=\"url(#paint1_linear_5422_65-55864)\"\/>\n<path d=\"M420.82 246.974L291.271 401.153H207.469L337.105 246.974L207.469 92.8047H291.175L420.82 246.974Z\" fill=\"white\"\/>\n<defs>\n<linearGradient id=\"paint0_linear_5422_65-55864\" x1=\"333.071\" y1=\"246.982\" x2=\"-30.2099\" y2=\"246.982\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<linearGradient id=\"paint1_linear_5422_65-55864\" x1=\"123.07\" y1=\"246.986\" x2=\"411.044\" y2=\"246.986\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#162C44\"\/>\n<stop offset=\"1\" stop-color=\"#4477AA\"\/>\n<\/linearGradient>\n<\/defs>\n<\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\"><strong>Las dem\u00e1s circunstancias que se consideren relevantes. (Derivado de la actividad vulnerable que realiza el sujeto obligado)<\/strong><\/span><\/div><\/li>\n<\/ul><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-b94fe8b\" data-block-id=\"b94fe8b\"><style>.stk-b94fe8b {margin-bottom:0px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Por tanto, el perfil transaccional debe construirse a partir de <strong>informaci\u00f3n real y verificable<\/strong>, y no mediante estimaciones arbitrarias o par\u00e1metros gen\u00e9ricos que no correspondan con las caracter\u00edsticas particulares del cliente.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-96f2130 is-style-bar\" id=\"span-style-color-162-c-44-class-stk-highlight-strong-span-style-color-162-c-44-class-stk-highlight-strong-existe-una-nueva-forma-de-llevar-el-compliance-strong-span-strong-span\" data-block-id=\"96f2130\"><style>.stk-96f2130 hr.stk-block-divider__hr{background:#5c6d7d52 !important;border-radius:calc(5px \/ 2) !important;height:5px !important;width:45% !important;}.stk-96f2130 {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !important;margin-top:48px !important;margin-bottom:50px !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e13ce31\" id=\"strong-strong-strong-span-style-color-162-c-44-class-stk-highlight-strong-strong-strong-2-para-que-sirve-strong-strong-strong-span-strong-strong-strong\" data-block-id=\"e13ce31\"><style>.stk-e13ce31 .stk-block-heading__bottom-line{height:3px !important;background-color:#162c44 !important;}.stk-e13ce31 {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !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:831px !important;min-width:auto !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><strong><strong><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong><strong><strong>2. \u00bfPara qu\u00e9 sirve?<\/strong><\/strong><\/strong><\/span><\/strong><\/strong><\/strong><\/h4><div class=\"stk-block-heading__bottom-line\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-6303813\" data-block-id=\"6303813\"><p class=\"stk-block-text__text has-text-align-justify\">Una de las principales funciones del perfil transaccional es establecer un <strong>punto de referencia para el monitoreo<\/strong>. Si un sujeto obligado conoce razonablemente c\u00f3mo opera un cliente, puede identificar con mayor facilidad aquellos comportamientos que se aparten de lo previamente observado o esperado.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-1bb7f4a\" data-block-id=\"1bb7f4a\"><style>.stk-1bb7f4a {margin-bottom:10px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-1bb7f4a-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f45e13a\" data-v=\"4\" data-block-id=\"f45e13a\"><style>@media screen and (min-width: 768px){.stk-f45e13a {flex:var(--stk-flex-grow, 1) 1 calc(24.7% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f45e13a-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f45e13a-inner-blocks\">\n<figure class=\"wp-block-image alignleft 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\/09\/Banner-66.jpg\" alt=\"\" class=\"wp-image-24088\" style=\"border-top-left-radius:28px;border-top-right-radius:28px;border-bottom-left-radius:28px;border-bottom-right-radius:28px;aspect-ratio:0.75;object-fit:cover;object-position:68% 63%;width:237px;height:auto\" srcset=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-66.jpg 1610w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-66-300x194.jpg 300w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-66-1024x661.jpg 1024w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-66-768x496.jpg 768w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-66-1536x992.jpg 1536w\" sizes=\"auto, (max-width: 1610px) 100vw, 1610px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-68db4a6\" data-v=\"4\" data-block-id=\"68db4a6\"><style>@media screen and (min-width: 768px){.stk-68db4a6 {flex:var(--stk-flex-grow, 1) 1 calc(75.3% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-68db4a6-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-68db4a6-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-bcae2e7\" data-block-id=\"bcae2e7\"><style>.stk-bcae2e7 {margin-right:-12px !important;margin-bottom:10px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Por ejemplo, imaginemos a una persona cuya actividad, capacidad econ\u00f3mica y comportamiento hist\u00f3rico corresponden a operaciones de determinado monto y frecuencia. Si posteriormente comienza a realizar operaciones considerablemente superiores, utiliza medios de pago distintos a los habituales o realiza operaciones que no guardan una relaci\u00f3n aparente con su actividad conocida, dicha variaci\u00f3n puede justificar un an\u00e1lisis adicional.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e66ab1b\" data-block-id=\"e66ab1b\"><style>.stk-e66ab1b {margin-right:-12px !important;margin-bottom:10px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Lo importante es entender que <strong>una desviaci\u00f3n del perfil no significa autom\u00e1ticamente que exista una operaci\u00f3n il\u00edcita<\/strong>. Significa que existe un elemento que debe ser analizado para determinar si la operaci\u00f3n cuenta con una explicaci\u00f3n razonable y si resulta congruente con la informaci\u00f3n disponible del cliente.<\/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-dae73eb\" data-block-id=\"dae73eb\"><style>.stk-dae73eb {margin-bottom:0px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">De esta manera, el perfil transaccional funciona como una herramienta de <strong>alertamiento y an\u00e1lisis<\/strong>, no como un mecanismo autom\u00e1tico para determinar la existencia de una conducta il\u00edcita.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-7c3f353 is-style-bar\" id=\"span-style-color-162-c-44-class-stk-highlight-strong-span-style-color-162-c-44-class-stk-highlight-strong-existe-una-nueva-forma-de-llevar-el-compliance-strong-span-strong-span\" data-block-id=\"7c3f353\"><style>.stk-7c3f353 hr.stk-block-divider__hr{background:#5c6d7d52 !important;border-radius:calc(5px \/ 2) !important;height:5px !important;width:45% !important;}.stk-7c3f353 {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !important;margin-top:48px !important;margin-bottom:50px !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-3e0123a\" id=\"strong-strong-strong-span-style-color-162-c-44-class-stk-highlight-strong-strong-strong-strong-3-perfil-transaccional-y-conocimiento-del-cliente-strong-strong-strong-strong-span-strong-strong-strong\" data-block-id=\"3e0123a\"><style>.stk-3e0123a .stk-block-heading__bottom-line{height:3px !important;background-color:#162c44 !important;}.stk-3e0123a {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !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:831px !important;min-width:auto !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><strong><strong><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong><strong><strong><strong>3. Perfil transaccional y conocimiento del cliente<\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/strong><\/strong><\/h4><div class=\"stk-block-heading__bottom-line\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0d7af76\" data-block-id=\"0d7af76\"><p class=\"stk-block-text__text has-text-align-justify\">El perfil transaccional se encuentra estrechamente relacionado con el conocimiento del cliente. No es posible establecer razonablemente c\u00f3mo deber\u00eda operar una persona si previamente no se conoce qui\u00e9n es, a qu\u00e9 se dedica y cu\u00e1les son las caracter\u00edsticas de la relaci\u00f3n que mantiene con el sujeto obligado.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-948bd34\" data-block-id=\"948bd34\"><p class=\"stk-block-text__text has-text-align-justify\"><strong>Por ello, existe una relaci\u00f3n l\u00f3gica entre ambos conceptos:<\/strong><\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-e685b6a\" data-block-id=\"e685b6a\"><style>@media screen and (max-width: 767px){.stk-e685b6a .stk-img-wrapper img{object-fit:fill !important;}}<\/style><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-24074\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/353595864_ad698f8d-c7e4-40d5-b18b-929baa005272-1-5.png\" width=\"1450\" height=\"156\" srcset=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/353595864_ad698f8d-c7e4-40d5-b18b-929baa005272-1-5.png 1450w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/353595864_ad698f8d-c7e4-40d5-b18b-929baa005272-1-5-300x32.png 300w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/353595864_ad698f8d-c7e4-40d5-b18b-929baa005272-1-5-1024x110.png 1024w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/353595864_ad698f8d-c7e4-40d5-b18b-929baa005272-1-5-768x83.png 768w\" sizes=\"auto, (max-width: 1450px) 100vw, 1450px\" \/><\/span><\/figure><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-d5b4e55 is-style-bar\" id=\"span-style-color-162-c-44-class-stk-highlight-strong-span-style-color-162-c-44-class-stk-highlight-strong-existe-una-nueva-forma-de-llevar-el-compliance-strong-span-strong-span\" data-block-id=\"d5b4e55\"><style>.stk-d5b4e55 hr.stk-block-divider__hr{background:#5c6d7d52 !important;border-radius:calc(5px \/ 2) !important;height:5px !important;width:45% !important;}.stk-d5b4e55 {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !important;margin-top:48px !important;margin-bottom:50px !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-f81f8af\" id=\"strong-strong-strong-span-style-color-162-c-44-class-stk-highlight-strong-strong-strong-strong-strong-4-un-perfil-que-debe-ser-dinamico-strong-strong-strong-strong-strong-span-strong-strong-strong\" data-block-id=\"f81f8af\"><style>.stk-f81f8af .stk-block-heading__bottom-line{height:3px !important;background-color:#162c44 !important;}.stk-f81f8af {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !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:831px !important;min-width:auto !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><strong><strong><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong><strong><strong><strong><strong>4. Un perfil que debe ser din\u00e1mico<\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/strong><\/strong><\/h4><div class=\"stk-block-heading__bottom-line\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-b016352\" data-block-id=\"b016352\"><style>.stk-b016352 {margin-bottom:6px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-b016352-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-2b728ca\" data-v=\"4\" data-block-id=\"2b728ca\"><style>@media screen and (min-width: 768px){.stk-2b728ca {flex:var(--stk-flex-grow, 1) 1 calc(69% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-2b728ca-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-2b728ca-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-cfc68f3\" data-block-id=\"cfc68f3\"><style>.stk-cfc68f3 {margin-bottom:10px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Uno de los principales errores consiste en considerar que el perfil transaccional se determina una sola vez y permanece sin modificaciones durante toda la relaci\u00f3n con el cliente.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-f2d57e1\" data-block-id=\"f2d57e1\"><style>.stk-f2d57e1 {margin-bottom:10px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">En realidad, el comportamiento de una persona puede cambiar, ampliar sus operaciones geogr\u00e1ficas o comenzar a utilizar nuevos productos o servicios.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-84247d6 stk-block-background stk--has-background-overlay\" data-block-id=\"84247d6\"><style>.stk-84247d6 {background-color:linear-gradient(135deg,rgb(71,120,165) 0%,rgb(22,44,68) 100%) !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;margin-top:10px !important;margin-left:-15px !important;}.stk-84247d6:before{background-image:linear-gradient(135deg,rgb(71,120,165) 0%,rgb(22,44,68) 100%) !important;}<\/style><p class=\"stk-block-text__text has-text-align-center\"><span style=\"color: #fffffe;\" class=\"stk-highlight\">Por esta raz\u00f3n, el perfil debe ser susceptible de <em>actualizaci\u00f3n cuando existan cambios relevantes en las circunstancias del cliente o en su comportamiento transaccional.<\/em><\/span><\/p><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-42ae569\" data-v=\"4\" data-block-id=\"42ae569\"><style>@media screen and (min-width: 768px){.stk-42ae569 {flex:var(--stk-flex-grow, 1) 1 calc(31% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-42ae569-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-42ae569-inner-blocks\">\n<figure class=\"wp-block-image 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\/09\/Banner-68.jpg\" alt=\"\" class=\"wp-image-24090\" style=\"border-radius:22px;aspect-ratio:3\/4;object-fit:cover;object-position:44% 53%;width:250px;height:auto\" srcset=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-68.jpg 907w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-68-199x300.jpg 199w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-68-678x1024.jpg 678w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-68-768x1160.jpg 768w\" sizes=\"auto, (max-width: 907px) 100vw, 907px\" \/><\/figure>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-bab51a3\" data-block-id=\"bab51a3\"><style>.stk-bab51a3 {margin-bottom:0px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\"><strong>Un perfil desactualizado puede generar dos problemas: <\/strong>considerar como inusual una operaci\u00f3n que actualmente resulta congruente con la actividad del cliente o, por el contrario, no detectar una desviaci\u00f3n relevante porque el par\u00e1metro utilizado ya no refleja adecuadamente su realidad.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-d4bd048 is-style-bar\" id=\"span-style-color-162-c-44-class-stk-highlight-strong-span-style-color-162-c-44-class-stk-highlight-strong-existe-una-nueva-forma-de-llevar-el-compliance-strong-span-strong-span\" data-block-id=\"d4bd048\"><style>.stk-d4bd048 hr.stk-block-divider__hr{background:#5c6d7d52 !important;border-radius:calc(5px \/ 2) !important;height:5px !important;width:45% !important;}.stk-d4bd048 {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !important;margin-top:48px !important;margin-bottom:50px !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-2e18366\" id=\"strong-strong-strong-span-style-color-162-c-44-class-stk-highlight-strong-strong-strong-strong-strong-strong-5-el-perfil-transaccional-dentro-del-enfoque-basado-en-riesgo-strong-strong-strong-strong-strong-strong-span-strong-strong-strong\" data-block-id=\"2e18366\"><style>.stk-2e18366 .stk-block-heading__bottom-line{height:3px !important;background-color:#162c44 !important;}.stk-2e18366 {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !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:1393px !important;min-width:auto !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><strong><strong><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong><strong><strong><strong><strong><strong>5. El perfil transaccional dentro del Enfoque Basado en Riesgo<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/strong><\/strong><\/h4><div class=\"stk-block-heading__bottom-line\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3928417\" data-block-id=\"3928417\"><style>.stk-3928417 {margin-bottom:10px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3928417-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-db0d060\" data-v=\"4\" data-block-id=\"db0d060\"><style>@media screen and (min-width: 768px){.stk-db0d060 {flex:var(--stk-flex-grow, 1) 1 calc(24.7% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-db0d060-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-db0d060-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\/09\/Banner-65.jpg\" alt=\"\" class=\"wp-image-24086\" style=\"border-top-left-radius:28px;border-top-right-radius:28px;border-bottom-left-radius:28px;border-bottom-right-radius:28px;aspect-ratio:2\/3;object-fit:cover;width:237px;height:auto\" srcset=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-65.jpg 907w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-65-199x300.jpg 199w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-65-678x1024.jpg 678w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-65-768x1160.jpg 768w\" sizes=\"auto, (max-width: 907px) 100vw, 907px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-bf5c336\" data-v=\"4\" data-block-id=\"bf5c336\"><style>@media screen and (min-width: 768px){.stk-bf5c336 {flex:var(--stk-flex-grow, 1) 1 calc(75.3% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-bf5c336-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-bf5c336-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-404423c\" data-block-id=\"404423c\"><style>.stk-404423c {margin-right:-12px !important;margin-bottom:10px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">El perfil transaccional tambi\u00e9n tiene una funci\u00f3n relevante dentro del <strong>Enfoque Basado en Riesgo (EBR)<\/strong>. El EBR parte de la necesidad de identificar, evaluar y gestionar los riesgos de manera proporcional a las caracter\u00edsticas particulares de cada cliente y de las operaciones que realiza.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-088b795\" data-block-id=\"088b795\"><style>.stk-088b795 {margin-right:-12px !important;margin-bottom:10px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">En este sentido, no todos los clientes presentan el mismo comportamiento ni est\u00e1n expuestos a los mismos factores de riesgo. Por ello, el monitoreo debe considerar las circunstancias espec\u00edficas de cada relaci\u00f3n.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-21c6d86\" data-block-id=\"21c6d86\"><style>.stk-21c6d86 {margin-right:-12px !important;margin-bottom:10px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">El perfil transaccional proporciona informaci\u00f3n que puede utilizarse para determinar si el comportamiento observado es congruente con las caracter\u00edsticas conocidas del cliente y, en su caso, si existen elementos que ameriten una revisi\u00f3n m\u00e1s profunda.<\/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-8907cd8\" data-block-id=\"8907cd8\"><style>.stk-8907cd8 {margin-bottom:0px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">As\u00ed, el perfil transaccional no sustituye una metodolog\u00eda de riesgos, pero s\u00ed puede constituir uno de los elementos relevantes para su aplicaci\u00f3n y para el establecimiento de mecanismos de monitoreo.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-ad753ac is-style-bar\" id=\"span-style-color-162-c-44-class-stk-highlight-strong-span-style-color-162-c-44-class-stk-highlight-strong-existe-una-nueva-forma-de-llevar-el-compliance-strong-span-strong-span\" data-block-id=\"ad753ac\"><style>.stk-ad753ac hr.stk-block-divider__hr{background:#5c6d7d52 !important;border-radius:calc(5px \/ 2) !important;height:5px !important;width:45% !important;}.stk-ad753ac {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !important;margin-top:48px !important;margin-bottom:50px !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-a7eb308\" id=\"strong-strong-strong-span-style-color-162-c-44-class-stk-highlight-strong-strong-strong-strong-strong-strong-strong-6-que-debe-evitarse-al-construirlo-strong-strong-strong-strong-strong-strong-strong-span-strong-strong-strong\" data-block-id=\"a7eb308\"><style>.stk-a7eb308 .stk-block-heading__bottom-line{height:3px !important;background-color:#162c44 !important;}.stk-a7eb308 {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !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:1393px !important;min-width:auto !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><strong><strong><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong><strong><strong><strong><strong><strong><strong>6. \u00bfQu\u00e9 debe evitarse al construirlo?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/strong><\/strong><\/h4><div class=\"stk-block-heading__bottom-line\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-f64f9ec\" data-block-id=\"f64f9ec\"><p class=\"stk-block-text__text has-text-align-justify\">Un perfil transaccional adecuado debe evitar convertirse en una simple cifra o en una clasificaci\u00f3n gen\u00e9rica. Establecer, por ejemplo, que un cliente <strong>\u201copera hasta $500,000.00 mensuales\u201d<\/strong> sin contar con elementos que expliquen por qu\u00e9 ese monto corresponde a su actividad, proporciona informaci\u00f3n limitada.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-4d75ecd\" data-block-id=\"4d75ecd\"><p class=\"stk-block-text__text has-text-align-justify\">El valor del perfil est\u00e1 en la <strong>congruencia entre sus elementos<\/strong>.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-cbd28f5 stk-block-background stk--has-background-overlay\" data-block-id=\"cbd28f5\"><style>.stk-cbd28f5 {background-color:linear-gradient(135deg,rgb(71,120,165) 0%,rgb(22,44,68) 100%) !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;max-width:1500px !important;min-width:auto !important;margin-top:10px !important;margin-left:0px !important;}.stk-cbd28f5:before{background-image:linear-gradient(135deg,rgb(71,120,165) 0%,rgb(22,44,68) 100%) !important;}<\/style><p class=\"stk-block-text__text has-text-align-left\"><span style=\"color: #fffffe;\" class=\"stk-highlight\">La pregunta no debe ser \u00fanicamente:<br><strong>\u00bfCu\u00e1nto opera el cliente?<\/strong><\/span><br><span style=\"color: #fffffe;\" class=\"stk-highlight\"><br>Sino tambi\u00e9n: <strong><em>\u00bfPor qu\u00e9 opera esa cantidad? \u00bfCon qu\u00e9 frecuencia? \u00bfQu\u00e9 tipo de operaciones realiza? \u00bfDe d\u00f3nde provienen los recursos? \u00bfCu\u00e1l es su actividad econ\u00f3mica? \u00bfQu\u00e9 medios de pago utiliza? \u00bfExiste congruencia entre su capacidad econ\u00f3mica y las operaciones realizadas?<\/em><\/strong><\/span><\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0252ff8\" data-block-id=\"0252ff8\"><style>.stk-0252ff8 {margin-bottom:0px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Entre mayor sea la calidad de la informaci\u00f3n utilizada para construir el perfil, mayor ser\u00e1 su utilidad como herramienta de monitoreo.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-60f029d is-style-bar\" id=\"span-style-color-162-c-44-class-stk-highlight-strong-span-style-color-162-c-44-class-stk-highlight-strong-existe-una-nueva-forma-de-llevar-el-compliance-strong-span-strong-span\" data-block-id=\"60f029d\"><style>.stk-60f029d hr.stk-block-divider__hr{background:#5c6d7d52 !important;border-radius:calc(5px \/ 2) !important;height:5px !important;width:45% !important;}.stk-60f029d {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !important;margin-top:48px !important;margin-bottom:50px !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-3e8045a\" id=\"strong-strong-strong-span-style-color-162-c-44-class-stk-highlight-strong-strong-strong-strong-strong-strong-strong-strong-7-la-desviacion-del-perfil-no-es-una-conclusion-strong-strong-strong-strong-strong-strong-strong-strong-span-strong-strong-strong\" data-block-id=\"3e8045a\"><style>.stk-3e8045a .stk-block-heading__bottom-line{height:3px !important;background-color:#162c44 !important;}.stk-3e8045a {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !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:1393px !important;min-width:auto !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><strong><strong><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong><strong><strong><strong><strong><strong><strong><strong>7. La desviaci\u00f3n del perfil no es una conclusi\u00f3n<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/strong><\/strong><\/h4><div class=\"stk-block-heading__bottom-line\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-82ad017\" data-block-id=\"82ad017\"><style>.stk-82ad017 {margin-bottom:6px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-82ad017-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-d84f954\" data-v=\"4\" data-block-id=\"d84f954\"><style>@media screen and (min-width: 768px){.stk-d84f954 {flex:var(--stk-flex-grow, 1) 1 calc(69% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-d84f954-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-d84f954-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ab390bd\" data-block-id=\"ab390bd\"><style>.stk-ab390bd {margin-bottom:10px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Es importante distinguir entre una <strong>desviaci\u00f3n del perfil transaccional<\/strong> y la determinaci\u00f3n de que existe una operaci\u00f3n irregular. Una desviaci\u00f3n constituye un elemento de an\u00e1lisis. A partir de ella pueden solicitarse aclaraciones, revisar documentaci\u00f3n, analizar el comportamiento hist\u00f3rico o contrastar la operaci\u00f3n con la informaci\u00f3n disponible del cliente.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9b1940c\" data-block-id=\"9b1940c\"><style>.stk-9b1940c {margin-bottom:10px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Por tanto, el proceso debe evitar conclusiones autom\u00e1ticas.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-70631a6\" data-block-id=\"70631a6\"><style>.stk-70631a6 {margin-bottom:10px !important;margin-left:-12px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">El objetivo del monitoreo no es determinar que una persona incurri\u00f3 en una conducta il\u00edcita \u00fanicamente porque realiz\u00f3 una operaci\u00f3n diferente a las habituales, sino <strong>identificar comportamientos que requieran an\u00e1lisis y contar con elementos suficientes para determinar si existe una explicaci\u00f3n razonable<\/strong>.<\/p><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-39e9d05\" data-v=\"4\" data-block-id=\"39e9d05\"><style>@media screen and (min-width: 768px){.stk-39e9d05 {flex:var(--stk-flex-grow, 1) 1 calc(31% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-39e9d05-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-39e9d05-inner-blocks\">\n<figure class=\"wp-block-image 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\/09\/Banner-69.jpg\" alt=\"\" class=\"wp-image-24092\" style=\"border-radius:22px;aspect-ratio:3\/4;object-fit:cover;object-position:65% 58%;width:250px;height:auto\" srcset=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-69.jpg 1610w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-69-300x194.jpg 300w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-69-1024x661.jpg 1024w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-69-768x496.jpg 768w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-69-1536x992.jpg 1536w\" sizes=\"auto, (max-width: 1610px) 100vw, 1610px\" \/><\/figure>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-2d7b5ef\" data-block-id=\"2d7b5ef\"><style>.stk-2d7b5ef {margin-bottom:10px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-2d7b5ef-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-ad3cf76\" data-v=\"4\" data-block-id=\"ad3cf76\"><style>@media screen and (min-width: 768px){.stk-ad3cf76 {flex:var(--stk-flex-grow, 1) 1 calc(24.7% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-ad3cf76-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-ad3cf76-inner-blocks\">\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.lecosy.com.mx\/soluciones\" target=\"_blank\" rel=\" noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"907\" height=\"922\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-2.png\" alt=\"\" class=\"wp-image-24098\" srcset=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-2.png 907w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-2-295x300.png 295w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-2-768x781.png 768w\" sizes=\"auto, (max-width: 907px) 100vw, 907px\" \/><\/a><\/figure>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-791f006\" data-block-id=\"791f006\"><style>.stk-791f006 {max-width:1500px !important;min-width:auto !important;}.stk-791f006 .stk-block-text__text{font-size:15px !important;color:#ff4f5b !important;}@media screen and (max-width: 1023px){.stk-791f006 .stk-block-text__text{font-size:15px !important;}}<\/style><p class=\"stk-block-text__text has-text-color has-text-align-center\"><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.lecosy.com.mx\/soluciones\"><span style=\"color: #ff4f5b;\" class=\"stk-highlight\">Pr\u00f3ximamente M\u00f3dulo PLD<\/span><\/a><\/span><\/strong><\/p><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-225f185\" data-v=\"4\" data-block-id=\"225f185\"><style>@media screen and (min-width: 768px){.stk-225f185 {flex:var(--stk-flex-grow, 1) 1 calc(75.3% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-225f185-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-225f185-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-149e51b stk-block-background stk--has-background-overlay\" data-block-id=\"149e51b\"><style>.stk-149e51b {background-color:linear-gradient(135deg,rgb(71,120,165) 0%,rgb(22,44,68) 100%) !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important;overflow:hidden !important;box-shadow:7px 5px 30px #48497927 !important;margin-top:50px !important;margin-left:0px !important;}.stk-149e51b:before{background-image:linear-gradient(135deg,rgb(71,120,165) 0%,rgb(22,44,68) 100%) !important;}<\/style><p class=\"stk-block-text__text has-text-align-center\"><span style=\"color: #fffffe;\" class=\"stk-highlight\">En este sentido, un adecuado sistema de PLD debe permitir documentar tanto las alertas como el an\u00e1lisis realizado y, en su caso, la justificaci\u00f3n que sustente su conclusi\u00f3n.<\/span><\/p><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-33ed4ea is-style-bar\" id=\"span-style-color-162-c-44-class-stk-highlight-strong-span-style-color-162-c-44-class-stk-highlight-strong-existe-una-nueva-forma-de-llevar-el-compliance-strong-span-strong-span\" data-block-id=\"33ed4ea\"><style>.stk-33ed4ea hr.stk-block-divider__hr{background:#5c6d7d52 !important;border-radius:calc(5px \/ 2) !important;height:5px !important;width:45% !important;}.stk-33ed4ea {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !important;margin-top:48px !important;margin-bottom:50px !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-f8c70e2\" id=\"strong-strong-strong-span-style-color-162-c-44-class-stk-highlight-strong-strong-strong-strong-strong-strong-strong-strong-strong-conclusion-strong-strong-strong-strong-strong-strong-strong-strong-strong-span-strong-strong-strong\" data-block-id=\"f8c70e2\"><style>.stk-f8c70e2 .stk-block-heading__bottom-line{height:3px !important;background-color:#162c44 !important;}.stk-f8c70e2 {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !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:1393px !important;min-width:auto !important;}<\/style><h4 class=\"stk-block-heading__text\"><strong><strong><strong><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong><strong><strong><strong><strong><strong><strong><strong><strong>Conclusi\u00f3n<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/strong><\/strong><\/h4><div class=\"stk-block-heading__bottom-line\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-acd5bb8\" data-block-id=\"acd5bb8\"><style>.stk-acd5bb8 {margin-bottom:15px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">El perfil transaccional constituye una herramienta esencial para comprender y monitorear el comportamiento de los clientes dentro de un sistema de Prevenci\u00f3n de Lavado de Dinero. Su utilidad no radica \u00fanicamente en establecer l\u00edmites o rangos monetarios, sino en construir una <strong>expectativa razonable y documentada sobre la forma en que un cliente deber\u00eda operar<\/strong>, considerando sus caracter\u00edsticas particulares.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-a60459a\" data-block-id=\"a60459a\"><style>.stk-a60459a {margin-bottom:10px !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-a60459a-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4520a57\" data-v=\"4\" data-block-id=\"4520a57\"><style>@media screen and (min-width: 768px){.stk-4520a57 {flex:var(--stk-flex-grow, 1) 1 calc(24.7% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4520a57-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4520a57-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\/09\/Banner-71.jpg\" alt=\"\" class=\"wp-image-24100\" style=\"border-top-left-radius:28px;border-top-right-radius:28px;border-bottom-left-radius:28px;border-bottom-right-radius:28px;aspect-ratio:2\/3;object-fit:cover;width:237px;height:auto\" srcset=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-71.jpg 907w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-71-199x300.jpg 199w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-71-678x1024.jpg 678w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/Banner-71-768x1160.jpg 768w\" sizes=\"auto, (max-width: 907px) 100vw, 907px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-b146295\" data-v=\"4\" data-block-id=\"b146295\"><style>@media screen and (min-width: 768px){.stk-b146295 {flex:var(--stk-flex-grow, 1) 1 calc(75.3% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-b146295-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-b146295-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-75eb39d\" data-block-id=\"75eb39d\"><style>.stk-75eb39d {margin-right:-12px !important;margin-bottom:10px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Un perfil adecuado debe partir de informaci\u00f3n suficiente sobre el cliente y considerar elementos como su actividad econ\u00f3mica, capacidad financiera, origen y destino de los recursos, tipo, monto y frecuencia de sus operaciones, as\u00ed como los productos y medios de pago utilizados.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-dc36b44\" data-block-id=\"dc36b44\"><style>.stk-dc36b44 {margin-right:-12px !important;margin-bottom:10px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">Asimismo, debe entenderse como un elemento <strong>din\u00e1mico<\/strong>, susceptible de actualizarse cuando cambien las circunstancias del cliente o cuando su comportamiento transaccional presente modificaciones relevantes.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-7dc784f\" data-block-id=\"7dc784f\"><style>.stk-7dc784f {margin-right:-12px !important;margin-bottom:10px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">La verdadera utilidad del perfil transaccional aparece al momento de contrastar la operaci\u00f3n real con el comportamiento esperado. Las desviaciones no deben interpretarse autom\u00e1ticamente como indicios de una conducta il\u00edcita, sino como se\u00f1ales que pueden justificar un an\u00e1lisis adicional y una revisi\u00f3n de la informaci\u00f3n disponible.<\/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-4a12033\" data-block-id=\"4a12033\"><style>.stk-4a12033 {margin-bottom:300px !important;}<\/style><p class=\"stk-block-text__text has-text-align-justify\">En consecuencia, un perfil transaccional correctamente construido permite pasar de un modelo de cumplimiento meramente documental a uno orientado al <strong>conocimiento efectivo del cliente, el monitoreo de su comportamiento y la gesti\u00f3n de riesgos<\/strong>, convirti\u00e9ndose en una herramienta que contribuye a que el cumplimiento en materia de PLD sea m\u00e1s preventivo, proporcional y basado en informaci\u00f3n.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-4667546\" id=\"strong-strong-strong-span-style-color-162-c-44-class-stk-highlight-strong-strong-strong-strong-strong-strong-strong-strong-strong-strong-span-style-text-decoration-underline-a-href-https-www-lecosy-com-mx-soluciones-span-style-color-ff-4-f-5-b-class-stk-highlight-proximamente-modulo-pld-span-a-span-strong-strong-strong-strong-strong-strong-strong-strong-strong-strong-span-strong-strong-strong\" data-block-id=\"4667546\"><style>.stk-4667546 .stk-block-heading__bottom-line{height:3px !important;background-color:#162c44 !important;}.stk-4667546 {border-top-left-radius:0px !important;border-top-right-radius:0px !important;border-bottom-right-radius:0px !important;border-bottom-left-radius:0px !important;overflow:hidden !important;box-shadow:none !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:1393px !important;min-width:auto !important;}<\/style><h4 class=\"stk-block-heading__text has-text-align-center\"><strong><strong><strong><span style=\"color: #162c44;\" class=\"stk-highlight\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.lecosy.com.mx\/soluciones\"><span style=\"color: #ff4f5b;\" class=\"stk-highlight\">Pr\u00f3ximamente M\u00f3dulo PLD<\/span><\/a><\/span><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/strong><\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-call-to-action alignwide stk-block-call-to-action stk-block stk-ae4e7e1 is-style-horizontal\" data-v=\"2\" data-block-id=\"ae4e7e1\"><style>.stk-ae4e7e1 {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:7px 5px 30px #48497927 !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;}.stk-ae4e7e1-container{background-color:linear-gradient(135deg,rgb(71,120,165) 0%,rgb(22,44,68) 100%) !important;}.stk-ae4e7e1-container:before{background-image:linear-gradient(135deg,rgb(71,120,165) 0%,rgb(22,44,68) 100%) !important;}@media screen and (max-width: 767px){.stk-ae4e7e1 .stk-block-call-to-action__content{min-height:0px !important;}}<\/style><div class=\"stk-block-call-to-action__content stk-content-align stk-ae4e7e1-column alignwide stk-container stk-ae4e7e1-container stk--has-background-overlay\"><div class=\"has-text-align-center stk-block-content stk-inner-blocks stk-ae4e7e1-inner-blocks\">\n<div class=\"wp-block-group is-vertical is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-1ccc6433 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"1024\" src=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/3d-metal-icono-lecosy-el-puro-metal-y-sombra-768x1024.png\" alt=\"\" class=\"wp-image-24103\" style=\"aspect-ratio:1.1191572645636656;width:160px;height:auto\" srcset=\"https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/3d-metal-icono-lecosy-el-puro-metal-y-sombra-768x1024.png 768w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/3d-metal-icono-lecosy-el-puro-metal-y-sombra-225x300.png 225w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/3d-metal-icono-lecosy-el-puro-metal-y-sombra-1152x1536.png 1152w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/3d-metal-icono-lecosy-el-puro-metal-y-sombra-1536x2048.png 1536w, https:\/\/blog.lecosy.com.mx\/wp-content\/uploads\/2026\/09\/3d-metal-icono-lecosy-el-puro-metal-y-sombra-scaled.png 1920w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-719c507\" data-block-id=\"719c507\"><style>.stk-719c507 {max-width:533px !important;min-width:auto !important;margin-top:-50px !important;}<\/style><p class=\"stk-block-text__text\"><br><span style=\"color: #fffffe;\" class=\"stk-highlight\">La soluci\u00f3n impulsa una gesti\u00f3n eficiente del cumplimiento en materia de PLD, proporcionando a los sujetos obligados herramientas para integrar expedientes, registrar operaciones, generar avisos y resguardar evidencia documental.<\/span><\/p><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-a7e6850\" data-block-id=\"a7e6850\"><style>.stk-a7e6850 {margin-top:44px !important;}.stk-a7e6850 .stk-inner-blocks{column-gap:18px !important;}@media screen and (max-width: 767px){.stk-a7e6850 .stk-inner-blocks{column-gap:24px !important;}}<\/style><div class=\"stk-row stk-inner-blocks has-text-align-center-mobile stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-509589a\" data-block-id=\"509589a\"><style>.stk-509589a {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;max-width:1500px !important;min-width:auto !important;margin-top:-50px !important;margin-left:0px !important;}.stk-509589a .stk-button{background:#fffffe !important;}.stk-509589a .stk-button__inner-text{color:#4778a5 !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=\"has-text-color stk-button__inner-text\"><strong>Conocer<\/strong> <strong>m\u00e1s<\/strong><\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column eplus-wrapper is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":7,"featured_media":24105,"comment_status":"open","ping_status":"open","sticky":false,"template":"wp-custom-template-plantilla-podcast-1","format":"standard","meta":{"_eb_attr":"","om_disable_all_campaigns":false,"_themeisle_gutenberg_block_has_review":false,"footnotes":"","_ppma_block_editor_authors":"{\"authors\":[48],\"author_categories\":{\"48\":\"1\"},\"fallback_author_user\":\"2\",\"ppma_author_box_select\":\"\",\"selected_authors\":[{\"id\":48,\"display_name\":\"Fernanda 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