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No la sociedad, esa ficción admirable y útil que firma contratos, abre cuentas y comparece en tribunales, sino la persona natural que al final de la cadena posee, controla o se beneficia, aquella que la doctrina moderna llama el beneficiario final. Toda la arquitectura contemporánea de prevención del lavado de activos descansa sobre la capacidad de responder esa pregunta, y Chile, hay que decirlo con todas sus letras, todavía la responde a medias.",{"type":25,"tag":51,"props":52,"children":54},"h2",{"id":53},"la-deuda-que-dejó-la-evaluación",[55],{"type":38,"value":56},"La deuda que dejó la evaluación",{"type":25,"tag":30,"props":58,"children":59},{},[60],{"type":38,"value":61},"Cuando el GAFILAT evaluó a Chile en su Cuarta Ronda de Evaluaciones Mutuas, cuyo informe fue aprobado en 2021, el país salió razonablemente bien parado y con una lista de tareas para la casa. Entre las recomendaciones más estructurales figura una en particular, la de crear un Registro de Beneficiarios Finales que cumpla con los estándares internacionales y que permita a las autoridades competentes acceder a información actualizada, precisa y oportuna sobre quién controla realmente a las personas y estructuras jurídicas que operan en el país.",{"type":25,"tag":30,"props":63,"children":64},{},[65],{"type":38,"value":66},"No se trata de un capricho de evaluadores extranjeros. Cerca de cuarenta jurisdicciones en el mundo ya operan registros de este tipo, y la razón de su proliferación es de una aritmética sencilla. Sin un registro centralizado, cada sujeto obligado debe reconstruir la cadena de propiedad por su propia cuenta, cliente por cliente, declaración jurada por declaración jurada, de manera que el sistema completo repite el mismo trabajo miles de veces con resultados desiguales. Y quien desea esconderse, como saben los ilusionistas, se esconde a plena vista entre gestos repetidos, allí donde la costumbre adormece la mirada del que revisa.",{"type":25,"tag":51,"props":68,"children":70},{"id":69},"lo-que-propone-el-proyecto",[71],{"type":38,"value":72},"Lo que propone el proyecto",{"type":25,"tag":30,"props":74,"children":75},{},[76],{"type":38,"value":77},"El proyecto de ley que crea el Registro Nacional de Personas Beneficiarias Finales, contenido en el Boletín N°16.475-05, fue ingresado al Senado en diciembre de 2023 y continúa su tramitación legislativa. Sus definiciones centrales merecen leerse con atención porque anticipan el estándar que regirá cuando se convierta en ley.",{"type":25,"tag":30,"props":79,"children":80},{},[81],{"type":38,"value":82},"El proyecto entiende por beneficiario final a la persona natural, chilena o extranjera, con o sin domicilio en Chile, que posea directa o indirectamente una participación igual o mayor al diez por ciento del capital, del aporte, del derecho a utilidades, del voto o del veto de una entidad, así como a quien pueda elegir o remover a la mayoría de sus directores o administradores, o a quien ejerza sobre ella el control efectivo, esa categoría flexible que el derecho reserva para las realidades que los porcentajes no capturan. El umbral alcanza también a los trusts, fideicomisos y fundaciones de interés privado, cuyos constituyentes, administradores y beneficiarios con derecho al diez por ciento o más de los beneficios deberán ser declarados, cerrando así la puerta favorita de quienes usan estructuras fiduciarias como biombos.",{"type":25,"tag":30,"props":84,"children":85},{},[86],{"type":38,"value":87},"El Registro será elaborado y administrado por el Servicio de Impuestos Internos, con finalidades que van desde la transparencia y la protección de la libre competencia hasta la prevención del lavado de activos y del financiamiento del terrorismo. Y el proyecto tipifica como delito tanto la entrega maliciosa de información como la destrucción u ocultación de antecedentes que impidan conocer al beneficiario final, ilícitos que además se consideran delitos económicos de segunda categoría bajo la Ley 21.595, con todo lo que ello implica para la responsabilidad penal de las personas jurídicas y sus modelos de prevención.",{"type":25,"tag":89,"props":90,"children":92},"alert",{"type":91},"info",[93],{"type":25,"tag":30,"props":94,"children":95},{},[96],{"type":38,"value":97},"Un detalle que cambia el incentivo. El régimen sancionatorio propuesto contempla multas por cada sujeto no informado adecuadamente y sanciones adicionales por atraso, además de consecuencias severas para los proveedores del Estado que reincidan, incluida la suspensión para contratar con organismos públicos.",{"type":25,"tag":51,"props":99,"children":101},{"id":100},"la-pregunta-de-siempre-y-el-estándar-de-ahora",[102],{"type":38,"value":103},"La pregunta de siempre y el estándar de ahora",{"type":25,"tag":30,"props":105,"children":106},{},[107],{"type":38,"value":108},"Volvamos a la pregunta inicial, la de quién está al otro lado de la mesa, porque tiene una segunda lectura que nos interesa especialmente y que suele pasar inadvertida en la discusión pública.",{"type":25,"tag":30,"props":110,"children":111},{},[112],{"type":38,"value":113},"Para el oficial de cumplimiento chileno el beneficiario final no es una obligación futura sino presente, pues la Circular N°62 de la UAF ya exige identificarlo como parte de la debida diligencia de clientes. Lo que el Registro Nacional agregará no es entonces la obligación, que existe, sino la verificabilidad, es decir una fuente estatal contra la cual contrastar aquello que el cliente declara. Y en esa palabra, verificabilidad, se juega el cambio de época.",{"type":25,"tag":30,"props":115,"children":116},{},[117],{"type":38,"value":118},"Cuando el Registro exista, la declaración jurada del cliente dejará de ser el final del proceso para convertirse en su comienzo. La debida diligencia madura será aquella que cruce la declaración contra el Registro, contra las listas internacionales de sanciones, contra la calidad de persona expuesta políticamente de cada persona natural identificada en la cadena. El sujeto obligado que hoy archiva declaraciones sin contrastarlas con fuente alguna no está cumpliendo, está coleccionando papeles, y la diferencia entre ambas cosas quedará en evidencia el día en que la información sea verificable por cualquiera.",{"type":25,"tag":51,"props":120,"children":122},{"id":121},"prepararse-antes-de-que-sea-ley",[123],{"type":38,"value":124},"Prepararse antes de que sea ley",{"type":25,"tag":30,"props":126,"children":127},{},[128],{"type":38,"value":129},"Cabe preguntarse qué puede hacer una organización hoy, con el proyecto todavía en el Congreso, y la respuesta es que puede hacer bastante sin esperar al legislador. Puede comenzar por mapear las estructuras societarias de sus clientes actuales hasta llegar a la persona natural, tomando el umbral del diez por ciento como referencia, de modo que cuando la ley se apruebe la cartera ya esté dimensionada y el esfuerzo de adecuación sea marginal. Puede además formalizar la actualización periódica de esos registros, porque la información de beneficiario final envejece con cada cambio societario y un dato de hace tres años no es debida diligencia sino arqueología. Y puede finalmente automatizar el cruce, porque identificar al beneficiario final solo tiene valor si esa persona natural se contrasta de manera sistemática contra las listas de sanciones, la calidad PEP y las fuentes de riesgo, tarea que hecha a mano es heroica los primeros meses e imposible después.",{"type":25,"tag":30,"props":131,"children":132},{},[133],{"type":38,"value":134},"El velo societario seguirá existiendo, pues para eso fue inventado y tiene usos perfectamente legítimos que nadie discute. Lo que está cambiando en Chile y en el mundo es que levantar ese velo dejará de ser una hazaña investigativa para convertirse en un trámite verificable. Las organizaciones que se preparen ahora cruzarán ese umbral con paso tranquilo, y las demás llegarán igual al otro lado, pero pagando el peaje que la improvisación les cobra siempre a los que llegan tarde.",{"type":25,"tag":136,"props":137,"children":138},"hr",{},[],{"type":25,"tag":30,"props":140,"children":141},{},[142,144,151,153,159],{"type":38,"value":143},"Saber quién está detrás de cada RUT es, literalmente, nuestro oficio. Neitcom automatiza la identificación de beneficiarios finales y su cruce contra listas PEP, ONU y OFAC desde 2004. 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