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En Chile el notario reporta y el abogado no, y la Quinta Ronda lo va a preguntar.","UAF",5,"2026-09-22","Equipo Neitcom",[15,16,17,10,18,19],"GAFI","APNFD","Sujetos Obligados","Ley 19.913","Compliance","/images/blog/apnfd-abogados-contadores-perimetro.jpg",{"type":22,"children":23,"toc":159},"root",[24,45,50,55,62,67,72,81,87,92,97,107,113,118,123,128,133,137],{"type":25,"tag":26,"props":27,"children":28},"element","blockquote",{},[29,40],{"type":25,"tag":30,"props":31,"children":32},"p",{},[33],{"type":25,"tag":34,"props":35,"children":36},"em",{},[37],{"type":38,"value":39},"text","\"En casa del herrero, cuchillo de palo.\"",{"type":25,"tag":30,"props":41,"children":42},{},[43],{"type":38,"value":44},"Refrán castellano",{"type":25,"tag":30,"props":46,"children":47},{},[48],{"type":38,"value":49},"Imagine una operación cualquiera de las que ocurren todos los días en Santiago. Una sociedad se constituye, adquiere un inmueble y abre una cuenta. En el trayecto intervienen varias manos profesionales. Un abogado redacta los estatutos y arma la estructura societaria. Un contador organiza la contabilidad y define cómo se registrarán los aportes. Un notario autoriza la escritura. Un corredor de propiedades intermedia la compraventa. Un banco recibe los fondos.",{"type":25,"tag":30,"props":51,"children":52},{},[53],{"type":38,"value":54},"De esas cinco manos, tres tienen hoy la obligación legal de conocer a su cliente, identificar al beneficiario final y reportar a la Unidad de Análisis Financiero lo que les parezca sospechoso. Dos no la tienen. Y las dos que no la tienen son, curiosamente, las que estuvieron más temprano en la operación y las que diseñaron su arquitectura.",{"type":25,"tag":56,"props":57,"children":59},"h2",{"id":58},"una-asimetría-difícil-de-explicar",[60],{"type":38,"value":61},"Una asimetría difícil de explicar",{"type":25,"tag":30,"props":63,"children":64},{},[65],{"type":38,"value":66},"El Grupo de Acción Financiera Internacional agrupa bajo la sigla APNFD a las actividades y profesiones no financieras designadas, una categoría que reúne a los casinos, los comerciantes de piedras y metales preciosos, los agentes inmobiliarios, los notarios, los contadores y los abogados. Su Recomendación 22 establece que las exigencias de debida diligencia y de conservación de registros se aplican a abogados, notarios, otros profesionales jurídicos independientes y contadores cuando se disponen a realizar o realizan transacciones de determinado tipo por cuenta de sus clientes.",{"type":25,"tag":30,"props":68,"children":69},{},[70],{"type":38,"value":71},"La doctrina chilena ha hecho notar la consecuencia de esa definición con una claridad incómoda. El GAFI considera a notarios y abogados, conjuntamente, profesionales legales, y sin embargo en el caso chileno solo los primeros están obligados a adoptar medidas para prevenir el lavado de activos. La distinción no se sostiene en la naturaleza de la actividad, porque ambos participan de las mismas operaciones, sino en una decisión legislativa que dejó a unos dentro del perímetro y a otros fuera.",{"type":25,"tag":30,"props":73,"children":74},{},[75],{"type":25,"tag":76,"props":77,"children":80},"img",{"alt":78,"src":79},"Perímetro de sujetos obligados en Chile frente al estándar GAFI","/images/diagramas/apnfd-perimetro-chile.svg",[],{"type":25,"tag":56,"props":82,"children":84},{"id":83},"no-es-una-opinión-de-neitcom-es-la-agenda-pendiente-del-país",[85],{"type":38,"value":86},"No es una opinión de Neitcom, es la agenda pendiente del país",{"type":25,"tag":30,"props":88,"children":89},{},[90],{"type":38,"value":91},"Podría pensarse que esto es un reclamo del gremio de la prevención. No lo es. 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El director de la UAF la ha mencionado públicamente entre las brechas de efectividad del sistema nacional, junto con la necesidad de contar con un registro de beneficiarios finales que cumpla los estándares internacionales, de manera de poder identificar a las organizaciones y personas naturales que están detrás de estructuras jurídicas complejas. Las dos brechas están emparentadas, y esa relación merece subrayarse. Quien diseña una estructura societaria compleja es precisamente el profesional que hoy no tiene deber alguno de preguntarse para qué sirve la estructura que está diseñando.",{"type":25,"tag":98,"props":99,"children":101},"alert",{"type":100},"warning",[102],{"type":25,"tag":30,"props":103,"children":104},{},[105],{"type":38,"value":106},"Conviene precisar el alcance, porque el debate público suele deformarlo. La Recomendación 22 no propone que todo abogado reporte todo lo que sabe de todos sus clientes. Acota la obligación a situaciones determinadas, entre ellas la compraventa de inmuebles, la administración de dinero o valores del cliente, la gestión de cuentas y la creación u operación de personas jurídicas. El secreto profesional en la defensa penal no es lo que está en discusión.",{"type":25,"tag":56,"props":108,"children":110},{"id":109},"por-qué-esto-se-vuelve-urgente-ahora",[111],{"type":38,"value":112},"Por qué esto se vuelve urgente ahora",{"type":25,"tag":30,"props":114,"children":115},{},[116],{"type":38,"value":117},"La Quinta Ronda de Evaluaciones Mutuas introdujo un cambio metodológico que convierte esta brecha en un problema con nombre propio. 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Cuando una parte de la cadena profesional no tiene deberes de prevención, la debida diligencia que sí le corresponde a usted tiene que cubrir más terreno. La estructura societaria que llega armada desde un estudio jurídico que nunca se preguntó por su beneficiario final llega a su escritorio sin ningún filtro previo, y el filtro, entonces, es usted.",{"type":25,"tag":30,"props":129,"children":130},{},[131],{"type":38,"value":132},"El refrán castellano describe la casa del herrero, donde el cuchillo es de palo, y con eso nombra una paradoja que cualquiera reconoce. El caso chileno tiene una variante propia y bastante más incómoda. No es que a quienes mejor conocen las estructuras societarias les falte la herramienta para examinarlas. Es que nadie les pidió nunca que la usaran.",{"type":25,"tag":134,"props":135,"children":136},"hr",{},[],{"type":25,"tag":30,"props":138,"children":139},{},[140,142,149,151,157],{"type":38,"value":141},"Neitcom automatiza la identificación de beneficiarios finales y el screening contra listas PEP, ONU y OFAC, que es el filtro que hay que aplicar cuando la cadena profesional no lo aplicó antes. 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