La dilig\u00e8ncia deguda no \u00e9s un formalisme documental, sin\u00f3 un proc\u00e9s continu d’identificaci\u00f3, verificaci\u00f3 i avaluaci\u00f3 del risc que s’ha de fer sobre tots aquells clients, persones f\u00edsiques o jur\u00eddiques, amb els quals es mantinguin relacions de negoci. La seva finalitat \u00e9s evitar que el sistema financer o professional es converteixi en canal de blanqueig de capitals, finan\u00e7ament del terrorisme o evasi\u00f3 fiscal.<\/p>\n
El proc\u00e9s es basa en tres pilars fonamentals:<\/p>\n
- \n
- Con\u00e8ixer amb qui s’est\u00e0 treballant<\/li>\n
- Verificar que la informaci\u00f3 \u00e9s real i actualitzada<\/li>\n
- Avaluar i gestionar el risc de manera cont\u00ednua<\/li>\n<\/ol>\n
TRES NIVELLS DE DILIG\u00c8NCIA DEGUDA<\/strong><\/h3>\n
1. Mesures normals<\/strong><\/p>\n
S\u00f3n obligat\u00f2ries en tota relaci\u00f3 de negoci. Inclouen:<\/p>\n
- \n
- Identificaci\u00f3 del client<\/li>\n
- Identificaci\u00f3 del titular real<\/li>\n
- Verificaci\u00f3 documental<\/li>\n
- Informaci\u00f3 sobre el prop\u00f2sit de la relaci\u00f3<\/li>\n
- Seguiment peri\u00f2dic de l’activitat<\/li>\n<\/ul>\n
2. Mesures simplificades<\/strong><\/p>\n
Nom\u00e9s s’apliquen quan s’acredita que el risc \u00e9s baix (entitats p\u00fabliques nacionals, productes financers estandarditzats, etc.). Han d’estar justificades i documentades.<\/p>\n
3. Mesures refor\u00e7ades<\/strong><\/p>\n
S’apliquen en situacions de risc elevat (clients no presencials, relacions amb pa\u00efsos d’alt risc, estructures opaques, operacions complexes, etc.). Suposen:<\/p>\n
- \n
- Profunditat m\u00e9s elevada en la verificaci\u00f3<\/li>\n
- Petici\u00f3 d’informaci\u00f3 addicional<\/li>\n
- Supervisi\u00f3 refor\u00e7ada i freq\u00fcent<\/li>\n<\/ul>\n
CLIENTS NO PRESENCIALS I VERIFICACI\u00d3 DIGITAL<\/strong><\/h3>\n
El reglament de la llei permet establir relacions de negoci a dist\u00e0ncia sempre que s’emprin procediments segurs pr\u00e8viament autoritzats pel SEPBLAC. Aix\u00f2 inclou:<\/p>\n
- \n
- Videoconfer\u00e8ncies<\/li>\n
- Plataformes certificades d’onboarding<\/em> digital<\/li>\n
- Procediments amb doble factor d’autenticaci\u00f3<\/li>\n<\/ul>\n
Atenci\u00f3.<\/strong> \u00a0L’\u00fas de selfies<\/em> o captures simples del DNI no s\u00f3n v\u00e0lides per si soles. Tampoc \u00e9s suficient amb un correu electr\u00f2nic o un n\u00famero de tel\u00e8fon.<\/p>\n
EL BANC POT DEMANAR-ME TOT AIX\u00d2?<\/strong><\/h3>\n
S\u00ed, per\u00f2 amb l\u00edmits i proporcionalitat. Les entitats estan obligades a fer un seguiment continu i a actualitzar la informaci\u00f3 amb la qual operen. Aix\u00f2 pot implicar que li sol\u00b7licitin:<\/p>\n
- \n
- C\u00f2pies de models fiscals (200, 390, etc.)<\/li>\n
- Justificaci\u00f3 d’ingressos extraordinaris<\/li>\n
- Verificaci\u00f3 de la vig\u00e8ncia del DNI<\/li>\n
- Dades de beneficiaris reals<\/li>\n<\/ul>\n
Atenci\u00f3.<\/strong> No estan legitimats per a exigir dades personals no necess\u00e0ries (com IRPF de socis o contractes de lloguer aliens a la relaci\u00f3 banc\u00e0ria), excepte justificaci\u00f3 expressa.<\/p>\n
QU\u00c8 POT PASSAR SI NO COMPLEIXO?<\/strong><\/h3>\n
- \n
- Risc de tancament de comptes o suspensi\u00f3 d’operacions<\/li>\n
- Possible den\u00fancia davant SEPBLAC<\/li>\n
- Multes per infracci\u00f3 greu si vost\u00e8 \u00e9s subjecte obligat (fins a 150.000\u202f\u20ac)<\/li>\n
- Inhabilitaci\u00f3 per a prestar determinats serveis<\/li>\n<\/ul>\n
Per als subjectes obligats (immobili\u00e0ries, entitats financeres, etc.), l’abs\u00e8ncia d’un sistema s\u00f2lid de dilig\u00e8ncia deguda pot derivar en responsabilitats administratives o fins i tot penals.<\/p>\n
QU\u00c8 HA DE FER UNA EMPRESA OBLIGADA?<\/strong><\/h3>\n
- \n
- Revisar els protocols interns d’onboarding<\/em> i relaci\u00f3 amb clients.<\/li>\n
- Implantar eines segures d’identificaci\u00f3 no presencial.<\/li>\n
- Con\u00e8ixer els titulars reals i verificar les seves dades.<\/li>\n
- Establir un sistema de classificaci\u00f3 de riscos segons el tipus de client, operaci\u00f3 i sector.<\/li>\n
- Formar peri\u00f2dicament a l’equip en mat\u00e8ria de prevenci\u00f3 i detecci\u00f3 d’indicis sospitosos.<\/li>\n
- Documentar tot el proc\u00e9s: des de l’inici de la relaci\u00f3 fins a la cancel\u00b7laci\u00f3, amb registres actualitzats.<\/li>\n<\/ol>\n
![\"\"](\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2025\/03\/pexels-photo-5717949-1740557380_1740560672image-300x167.jpeg\")
<\/p>\nEs poden posar en contacte amb aquest despatx professional per qualsevol dubte o aclariment que puguin tenir sobre aquesta q\u00fcesti\u00f3, trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.<\/em><\/span><\/h3>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
En els \u00faltims mesos, cada vegada m\u00e9s empreses reben sol\u00b7licituds de documentaci\u00f3 i informaci\u00f3 per part de bancs, immobili\u00e0ria, asseguradora o plataformes digitals. La ra\u00f3? El compliment de la normativa de dilig\u00e8ncia deguda. Cada vegada \u00e9s m\u00e9s habitual que bancs, asseguradores, o immobili\u00e0ries sol\u00b7licitin als seus clients informaci\u00f3 detallada i peri\u00f2dica sobre la seva identitat, […]<\/p>\n","protected":false},"author":18,"featured_media":13875,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[21,17],"tags":[3096,3098,3097],"class_list":["post-13878","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-juridica","tag-diligencia-deguda","tag-documentacio-demanen-bancs","tag-nivells-diligencia"],"acf":[],"yoast_head":"\n
Dilig\u00e8ncia deguda: com evitar sancions protegint el seu negoci | RM Assessors<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rm-assessors.cat\/en\/diligencia-deguda-com-evitar-sancions-protegint-el-seu-negoci\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dilig\u00e8ncia deguda: com evitar sancions protegint el seu negoci | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"En els \u00faltims mesos, cada vegada m\u00e9s empreses reben sol\u00b7licituds de documentaci\u00f3 i informaci\u00f3 per part de bancs, immobili\u00e0ria, asseguradora o plataformes digitals. La ra\u00f3? El compliment de la normativa de dilig\u00e8ncia deguda. 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- Revisar els protocols interns d’onboarding<\/em> i relaci\u00f3 amb clients.<\/li>\n
- Procediments amb doble factor d’autenticaci\u00f3<\/li>\n<\/ul>\n