Es vital conocer la evolución, la historia y si en esa exploración podemos tener claridad de los aspectos normativos, tenemos una buena información para entender el cómo se han podido adaptar o transformar dichas actividades. Cuando nos referimos al Lavado de Activos y la Financiación del Terrorismo encontramos una sinopsis realizado por Ángela María Hurtado Cardona que nos ayudara en dicha tarea, de la siguiente manera:
De los años 20 hasta la década de los 70
Algunos estudios señalan que el concepto “Lavado de dinero” surgió alrededor de los años veinte en los Estados Unidos a partir de la creación de una red de lavanderías industriales y lavaderos de autos por parte de las mafias norteamericanas. El propósito era esconder la procedencia del dinero recaudado producto del juego clandestino, la prostitución, la extorsión, el tráfico de armas y de alcohol, y presentar como legales las ganancias ilícitas derivadas del negocio de las lavanderías. Finalizando la década del 50, ante la preocupación por la magnitud y la tendencia creciente de la producción, la demanda y el tráfico ilícito de estupefacientes y sustancias psicotrópicas, la Organización de las Naciones Unidas (ONU) convocó una conferencia de plenipotenciarios con el objetivo de firmar un tratado internacional contra la manufactura y el tráfico de narcóticos que constituyera el fundamento del régimen global de control de drogas.
De esta manera se aprueba en 1961 la Convención Única sobre Estupefacientes, enmendada posteriormente por el Protocolo de 1972. Pese a que la problemática de las drogas se reconoce en la mencionada Convención como un peligro social y económico para los Estados, el enfoque primordial fue la salud física y moral de la humanidad y la disponibilidad de los estupefacientes para propósitos médicos y científicos; asimismo, el establecimiento de una cooperación y fiscalización internacionales orientadas por principios idénticos y objetivos comunes.
En el país, la Convención Única sobre Estupefacientes y su protocolo de modificación se aprobó mediante la Ley 13 de 1974. Entre las décadas de los 60 y 70 la demanda mundial de las drogas fue en ascenso y con ella el surgimiento de estructuras de crimen organizado que obtenían cuantiosas sumas de dinero comercializando los narcóticos. Así, a mediados de los años setenta, el lavado de activos fue advertido como manifestación jurídica en los países desarrollados, con la atención puesta en el tráfico ilícito de drogas por los altos ingresos que este delito generaba. Tales dineros fueron depositados en los bancos sin ningún tipo de control, y una vez en el sistema financiero estos se pudieron mover fácilmente en el circuito económico formal.
Con el fin de enfrentar dicho flagelo –y especialmente mitigar el riesgo reputacional en la banca– la comunidad internacional empezó a generar diferentes iniciativas para contrarrestarlo. De esta manera, el Grupo de los Diez (G-10) estableció en 1974 el Comité de Supervisión Bancaria de Basilea, en el que se formularon estándares, lineamientos de supervisión y declaraciones de mejores prácticas con el objetivo de fortalecer la solidez de los sistemas financieros.
Década de los 80 hasta mediados de los años 90
La Declaración de Principios en el año 1988 fue una de las formulaciones que realizó el Comité de Basilea para la reglamentación bancaria y las prácticas de vigilancia. Su propósito: “… impedir que los bancos y otras instituciones financieras sean utilizados para transferencias o depósitos de fondos de procedencia ilícita” . En este sentido, tanto en el ámbito internacional como local, el primer sector económico en tomar medidas contra el lavado de activos fue el financiero, en especial el subsector bancario, debido al temor del impacto reputacional en el negocio. Dado que a finales de la década de los ochenta el problema de las drogas tomó connotaciones universales y derivó en el surgimiento de un modelo internacional para hacer contención a la transnacionalización del fenómeno, varios organismos multilaterales promovieron iniciativas y mecanismos para luchar contra el lavado de activos, aunque con una intención enfocada casi exclusivamente en enfrentar el narcotráfico.
Fue así como la ONU recalcó su preocupación reconociendo, entre otros, los vínculos existentes entre el tráfico ilícito de drogas y otras actividades delictivas organizadas, las grandes cantidades de dinero y las altas rentabilidades derivadas de este delito, lo que quedó plasmado en la Convención de la Naciones Unidas contra el tráfico ilícito de estupefacientes y sustancias psicotrópicas (1988), que insta por primera vez a los países a tipificar penalmente como delito el lavado de activos. Seguidamente, en el año 1989, se conforma el Grupo de Acción Financiera Internacional (GAFI) por la Cumbre del G- 7 con el propósito de establecer estándares y promover la implementación efectiva de medidas legales, reglamentarias y operativas para combatir el lavado de activos y otros desafíos relacionados con la integridad del sistema financiero internacional. En esta línea, el GAFI publicó en 1990 las 40 Recomendaciones que son reconocidas hoy en día como el estándar que deben cumplir los países cooperantes para encarar formalmente el lavado de activos (LA), la financiación del terrorismo (FT), y la financiación a la proliferación de armas de destrucción masiva (FPADM).
Producto de estos estándares internacionales, específicamente las 40 Recomendaciones, surgen de forma independiente las Unidades de Inteligencia Financiera (UIF) dada la necesidad de contar con organismos capaces de centralizar, procesar, analizar y divulgar a las autoridades de investigación y judicialización, la información financiera requerida para combatir el delito de LA. Al día de hoy existen 159 UIFS alrededor del mundo, la instancia que las reúne es el Grupo Egmont creado en 1995 con el fin de fomentar y facilitar la cooperación internacional, particularmente, al proporcionar una plataforma para el intercambio seguro de información.
Desde un comienzo, Colombia fue receptivo de los estándares internacionales mencionados contando con la voluntad política y el apoyo de los gremios del sector financiero para acoplar las medidas trazadas por la comunidad internacional. El país inicia entonces un largo recorrido en la implementación de instrumentos, mecanismos y estándares de lucha contra el LA. En este sentido, y con el fin de cumplir con los principios de Basilea, se interviene la actividad de las instituciones vigiladas por las Superintendencias Bancaria y de Valores (hoy Superintendencia Financiera de Colombia) con el Decreto 1872 de 1992.
Asimismo, a través del Decreto 663 de 1993, el Gobierno Nacional instaura las primeras medidas administrativas tendientes a que el sector financiero previniera el lavado y colaborara con las autoridades competentes; tal antecedente daría origen a lo que fue denominado como Sistema Integral de Prevención de Lavado de Activos (SIPLA), el cual evolucionó tiempo después a un Sistema de Administración de Riesgo de Lavado de Activos y Financiación del Terrorismo (SARLAFT). Durante este mismo año fue ratificada la Convención de las Naciones Unidas contra el tráfico ilícito de estupefacientes y sustancias psicotrópicas mediante la Ley 67/93.
Mediados de los años 90 hasta mediados de los 2000
Bajo este andamiaje normativo, el país emprende un proceso de creación de instituciones, organismos, tipos penales, controles administrativos de cumplimiento y supervisión, normas de extinción de dominio, entre otros, los cuales hasta el día de hoy continúan evolucionando para adaptarse a las nuevas dinámicas de la criminalidad. En línea con lo antedicho, la Ley 190 de 1995 estableció que las obligaciones de los artículos 102 al 107 del Estatuto Orgánico del Sistema Financiero (EOSF) también debían ser cumplidas por las comisionistas de bolsa, determinó que las Superintendencias Bancaria y de Valores asignaran a una de sus dependencias la función de control de operaciones de LA y también impuso a dichas superintendencias entregar un informe anual a la Fiscalía General de la Nación (FGN) en el que dieran cuenta de la labor de detección realizada.
Paralelamente, se crea la Comisión de Coordinación Interinstitucional para el Control del Lavado de Activos (CCICLA) por el Decreto 950 de 1995, “… como organismo consultivo del Gobierno Nacional y ente coordinador de las acciones que desarrolla el Estado Colombiano para combatir el lavado de activos”. Al año siguiente la Organización de los Estados Americanos (OEA) se pronuncia respecto a la corrupción y reconoce expresamente su trascendencia internacional y la necesidad de contar con un instrumento que promueva y facilite la cooperación entre los países para enfrentarlo. Por tal razón, en marzo de 1996 los Estados miembros adoptan la Convención Interamericana contra la Corrupción, la cual se convierte en el primer instrumento jurídico en su tipo para hacerle frente a dicho fenómeno. En Colombia esta Convención se aprueba a través de la Ley 412 de 1997.
Adicionalmente, en el orden nacional se promulga la primera ley de extinción del derecho de dominio sobre los bienes adquiridos en forma ilícita -Ley 333 de 1996- siendo Colombia pionero en el mundo en su regulación y que en la actualidad se encuentra establecida en el Código de Extinción de Dominio. En el año 1997 mediante la Ley 365 se tipifica penalmente el LA en el país a partir de la división conveniente del delito de receptación, con el propósito de buscar una mayor pena al nuevo delito que admitiría de manera expresa el concurso con un delito subyacente (como extorsión, enriquecimiento ilícito, narcotráfico, secuestro extorsivo etc.). Sumado a la anterior y con el fin de detectar, prevenir y en general luchar contra el LA en todas las actividades económicas, se crea la Unidad Administrativa Especial de Información y Análisis Financiero por medio de la Ley 526 de 1999, como la Unidad de Inteligencia Financiera del país.
Para cumplir con su objetivo, la UIAF centraliza, sistematiza y analiza la información recaudada en desarrollo de lo enunciado en los artículos 102 a 107 del EOSF. Asimismo, la UIAF ejerce el rol de Secretaría Técnica de la CCICLA. A finales de esta década de los 90 y principios de los 2000, la ONU aprueba varios instrumentos internacionales para combatir el terrorismo y otras actividades delictivas, tales como: Convenio Internacional para la represión de los atentados terroristas cometidos con bombas (1997), Convenio Internacional para la represión de la Financiación del Terrorismo (1999), Convención contra la Delincuencia Organizada Transnacional (2000) –la cual exhibió un mayor entendimiento del fenómeno criminal al considerar los crecientes vínculos entre la delincuencia organizada transnacional y los delitos de terrorismo–, y por último la Convención contra la Corrupción (2003).
En Colombia estos instrumentos fueron ratificados, en su orden, por medio de las Leyes 804 / 808 / 800 de 2003 y la Ley 970 de 2005. Finalizando el año 2000 se crea formalmente el Grupo de Acción Financiera de Sudamérica (GAFISUD), actualmente GAFILAT, mediante el Memorando de Entendimiento constitutivo del grupo suscrito por los gobiernos de nueve países: Argentina, Bolivia, Brasil, Chile, Colombia, Ecuador, Paraguay, Perú y Uruguay. Esta organización intergubernamental regional busca prevenir y combatir el LA/FT/FPADM, a través del compromiso de mejora continua de las políticas nacionales en dichos temas, así como la profundización en los distintos mecanismos de cooperación entre sus miembros. Este Memorando de Entendimiento fue ratificado en el país mediante la Ley 1186 de 2008. A raíz de los atentados terroristas del 11 de septiembre de 2001 en Estados Unidos, el GAFI publicó nueve (9) Recomendaciones Especiales contra el FT (actualmente unificadas con las 40 Recomendaciones).
Para dar cumplimiento a la Recomendación Especial II, hoy recogida como estándar 5, se tipificó el delito de FT en el país por medio de la Ley 1121 de 2006. El tipo penal descrito en esta Ley no sólo incluye aquellas conductas detalladas en el Convenio Internacional de las Naciones Unidas para la Represión de la Financiación del Terrorismo (1999) sino que abarca, además, todas las posibles actividades terroristas y de los grupos terroristas o de los grupos armados al margen de la ley. Asimismo, con la aprobación de la Ley 1121, se le asignaron a la UIAF competencias en prevención y detección del delito de FT. Los atentados también dieron origen a que se adoptara en el marco de la OEA la Convención Interamericana contra el Terrorismo (2002), con lo cual la Comunidad Interamericana dio un paso importante en su estrategia colectiva para combatir este flagelo. En Colombia dicha Convención fue aprobada mediante la Ley 1108 de 2006.
Finales de la década del 2000 hasta el año 2016 En el año 2008 surge la primera aproximación legal al Hábeas Data con la expedición de la Ley 1266, con la cual se dictaron disposiciones generales en la materia y se reguló el manejo de bases de datos personales relacionadas específicamente con información de naturaleza financiera, crediticia, comercial, de servicios y la proveniente de terceros países. En este mismo año, las empresas de factoring son obligadas a informar a la UIAF sobre cualquier operación sospechosa de lavado de activos o actividad delictiva (Ley 1231/2008). Más adelante, la obligatoriedad de reportar recae sobre los clubes deportivos a través de la Ley 1445 de 2011. De igual manera, la Ley 1508 de 2012 –que establece el régimen jurídico de las Asociaciones Público-Privadas (APP)– exigió a las fiduciarias reportar a la UIAF el nombre del fideicomitente, del beneficiario, el valor de los recursos administrados a través del patrimonio autónomo constituido por el contratista y la demás información sobre proyectos APP que la UIAF requiera.
Otro hecho importante del año 2011 fue la estructuración de un cuerpo normativo por parte del Gobierno Nacional que desarrolló una estrategia para combatir los principales focos de corrupción del país. Esta normatividad quedó plasmada en el nuevo Estatuto Anticorrupción con la expedición de la Ley 1474 de 2011, las normas que siguen vigentes del primer estatuto (Ley 190/95) y las Convenciones Internacionales adoptadas por Colombia sobre la materia. Cabe mencionar que el nuevo Estatuto Anticorrupción retoma la figura de la Comisión Nacional de Moralización como una instancia integrada por los superiores de las ramas del poder público y los organismos de control. A la vez, se crea la Secretaría de Transparencia por el Decreto 4637 de 2011. En el año 2012 el Congreso expidió la Ley Estatutaria 1581 estableciendo el régimen general aplicable en materia de protección de datos personales en el país –Ley de Hábeas Data–, cuyo objeto fue desarrollar el derecho constitucional de todas las personas a conocer, actualizar y rectificar las informaciones que se hayan recogido sobre ellas en bases de datos o archivos.
En este sentido, la facultad por ley concedida a la UIAF para levantar la reserva bancaria, tributaria, cambiaria y bursátil entre otras, sin vulnerar el derecho constitucional al Hábeas Data, se justifica por el perjuicio que los delitos de LA/FT causan a la economía y seguridad pública, lo cual amerita la estricta reserva que la Unidad debe mantener sobre su información. Durante el periodo 2013 – 2016 también se registraron hechos destacados para el desarrollo del Sistema ALA/CFT en el ámbito nacional: i) expedición de la Ley Estatutaria 1621, que define a la UIAF expresamente como un organismo de inteligencia del Estado colombiano con asiento en la Junta de Inteligencia Conjunta, por lo que su misionalidad se enmarca en los requerimientos anuales formulados por el Presidente de la República en el Plan Nacional de Inteligencia; ii) publicación de la Política Nacional ALA/CFT consignada en el documento del Consejo Superior de Política Económica y Social, Conpes Económico 3793, la cual avanzó en paralelo con el Enfoque Basado en Riesgo que termina con la difusión de la primera Evaluación Nacional de Riesgo de LA/FT del país; iii) presentación de la Estrategia Nacional de la Política Pública Integral Anticorrupción con el propósito de fortalecer las herramientas y mecanismos para la prevención, investigación y sanción de la corrupción (documento Conpes Social 167); iv) expedición del Código de Extinción de Dominio por medio de la Ley 1708 de 2014; v) creación de la Ley de Transparencia y del Derecho de Acceso a la Información Pública Nacional (Ley 1712/2014); vi) emisión en 2015 de los decretos únicos reglamentarios del Sector Hacienda y Crédito Público (Decreto 1068) y del Sector Defensa (Decreto 1070); vii) incorporación de instrumentos para prevenir, controlar y sancionar el contrabando, actividad delictiva que pasa a ser delito fuente de LA (Ley Anti-contrabando 1762 de 2015); viii) publicación de la Ley Anti-soborno donde se destaca, entre varios temas, la lucha contra la corrupción transnacional al establecer responsabilidad sobre personas jurídicas (Ley 1778 de 2016); ix) adopción de una reforma tributaria estructural (Ley 1819 de 2016) que fortaleció los mecanismos para la lucha contra la evasión y la elusión fiscal, además de incluir la omisión de activos o inclusión de pasivos inexistentes como delito fuente de LA.
Tiempo reciente
A mediados de 2018 se fortalecen la investigación y judicialización de los Grupos Delictivos Organizados (GDO) y los Grupos Armados Organizados (GAO) mediante la Ley 1908. Al respecto, el Artículo 30-A impuso a los miembros de estos grupos a quienes les fueren otorgadas libertad condicional o cualquier otro mecanismo sustitutivo de la pena privativa de la libertad por la comisión de ciertos delitos especificados en el citado artículo, no realizar operaciones mensuales en efectivo por montos superiores a diez (10) salarios mínimos mensuales legales vigentes y manejar sus recursos a través de una cuenta bancaria única, la cual debe ser informada al Juez de Ejecución de Penas y Medidas de Seguridad, así como el monto de sus bienes y patrimonio. Dicha información debe ser actualizada anualmente por el condenado a través de medios electrónicos, en una base de datos administrada por la UIAF.
Por otro lado, fue creado recientemente el Centro de Coordinación Contra las Finanzas de Organizaciones de Delito Transnacional y Terrorismo por medio de la Ley 1941 de 2018. La nueva instancia tiene como objetivo perseguir y desmantelar las redes de dinero y bienes de origen ilícito o empleados en actividades ilícitas. La Secretaría Técnica del Centro es ejercida por la UIAF a fin de generar sinergia y sincronización tanto estratégica como de ejecución entre la Fuerza Pública, los organismos de inteligencia y contrainteligencia, la FGN y las autoridades judiciales. Expedida también en diciembre de 2018, la Ley de Financiamiento (Ley 1943) estableció un nuevo delito fuente de LA: defraudación o evasión tributaria. Con este delito no solo se pretende prevenir la comisión del mismo, sino sancionar de forma eficaz a los defraudadores de las arcas del Estado, quienes mediante maniobras fraudulentas requieren a la autoridad tributaria para que efectúe reembolsos y devoluciones de dinero de impuestos por concepto de saldos a favor. Finalmente, a modo de conclusión, puede decirse que el Sistema ALA/CFT sigue creciendo y fortaleciéndose año tras año para conseguir enfrentar los desafíos que han traído consigo las dinámicas actuales del crimen organizado y sus repercusiones.
Al respecto, cabe destacar que la UIAF ha gestionado y apoyado la construcción y el desarrollo de buena parte de la estructura normativa mencionada, buscando con ello encarar con efectividad flagelos que no sólo impactan negativamente la reputación del país, sus instituciones y empresas, sino que generan fallas de mercado que imponen barreras a la productividad, competitividad, crecimiento económico, generación de empleo y bienestar de los colombianos.
Referencias bibliográficas: COMITÉ DE BASILEA (1988). Declaración de principios. Recuperado de: http://www.cicad.oas.org/lavado_activos/esp/Documentos/basilea.htm CONSEJO NACIONAL DE POLÍTICA ECONÓMICA Y SOCIAL (2013). Estrategia Nacional de la Política Pública Integral Anticorrupción. Documento Conpes 167 aprobado el 9 de diciembre de 2013. CONSEJO NACIONAL DE POLÍTICA ECONÓMICA Y SOCIAL (2013). Política Nacional Antilavado de Activos y contra la Financiación del Terrorismo. Documento Conpes 3793 aprobado el 18 de diciembre de 2013. GRUPO DE ACCIÓN FINANCIERA INTERNACIONAL (1990, 1996, 2001, 2003, 2012). 40 Recomendaciones. Recuperado de: www.fatf- gafi.org/recommendations,SUÁREZ, L. E., y GUTIÉRREZ, J. A. (2014). Actores del sistema y política pública antilavado de activos y contra la financiación del terrorismo: Coordinación y resultados. En: W. A. MARTÍNEZ. (Ed), Síntesis y reflexiones sobre el sistema antilavado de activos y contra la financiación del terrorismo en Colombia (pp. 43-65). Bogotá, Colombia: Editorial Universidad del Rosario. UNIDAD DE INFORMACIÓN Y ANÁLISIS FINANCIERO (2014). Las Unidades de inteligencia financiera y el sistema antilavado de activos y contra la financiación del terrorismo. Recuperado de: https://www.uiaf.gov.co/sala_prensa/publicaciones/documentos_uiaf/las_unidades_inteligencia_27733/27744
Fuente: CARLOS ALFONSO BOSHELL NORMAN
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Emanuelsalay
Доставка алкоголя якутск
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”
נערות ליווי במרכז
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Emanuelsalay
Доставка алкоголя якутск
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”
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נערות ליווי באשדוד
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Williamkeele
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Williamkeele
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נערות ליווי בראשון לציון
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Emerytaw
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נערות ליווי בראשון לציון
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שירותי נערות ליווי בירושלים
Brandonacima
“After I originally commented I appear to have clicked on the -Notify me when new comments are added- checkbox and now whenever a comment is added I get 4 emails with the exact same comment. Perhaps there is a way you are able to remove me from that service? Thank you!”
https://www.israelxclub.co.il/נערות-ליווי-פרטיות/
Williamkeele
“When I initially left a comment I appear to have clicked on the -Notify me when new comments are added- checkbox and from now on whenever a comment is added I get four emails with the exact same comment. Perhaps there is an easy method you can remove me from that service? Cheers!”
https://israelnightclub.com/נערות-ליווי-בחיפה/
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https://israelnightclub.com/נערות-ליווי-בירושלים/
Williamkeele
“When I originally left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and now whenever a comment is added I recieve four emails with the same comment. Perhaps there is a way you are able to remove me from that service? Cheers!”
נערות ליווי בחיפה
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נערות ליווי במרכז
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שירותי ליווי
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נערות ליווי בהרצליה
Brandonacima
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https://www.israelxclub.co.il/נערות-ליווי-פרטיות/
Williamkeele
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נערות ליווי במרכז
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https://israelnightclub.com/נערות-ליווי-במרכז/
Williamkeele
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נערות ליווי
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It’s nice to come to Italy and say “Buongiorno!” passing waiter. And then catch the admiring glances of those with whom you came. Is not it? But it has long been known that learning foreign languages contributes to the development of a good memory. It’s also very interesting! So why not take advantage of this?
These are effective methods for training memory. But there is also something interesting. Memory is inextricably linked to proper and good brain function. This means that stimulating its work allows you to improve memory:
It has been proven that regular sports activities increase brain activity and improve memory;
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Music has a magical effect on our brain. It has been proven that people who practice music have better memory and analytical skills;
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This is just a small part of the effective techniques for developing memory. But simple reading will not work. Apply these techniques. Remember, only 50% of the result depends on the doctor, and the remaining 50% on the patient. Without working on yourself, you will never reach the top.
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The above structure can only serve as a guide. When giving the assignment to write a term paper, the teacher usually shows a sample of drawing up a plan, explains which sections should be contained in it.
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