Política contra Lavado de Activos y Financiación del Terrorismo

The document outlines Transforma's framework for preventing money laundering (LA) and terrorist financing (FT), aligning with Colombian law and international standards. It details the criteria for accepting counterparties, the use of restrictive and control lists, and the procedures for identifying and reporting unusual or suspicious operations. The policy mandates due diligence for high-risk entities and establishes a reporting chain leading to the Transparency Officer and the Financial Information and Analysis Unit (UIAF).

• Transforma prohibits establishing business relationships with any natural or legal person appearing on restrictive lists, which specifically include the United Nations lists and the Office of Foreign Assets Control (OFAC) lists.
• For legal entities, the restrictive list check extends beyond the entity itself to include legal representatives, members of the Board of Directors or Governing Council, and any shareholders or partners holding 5% or more of the capital social or participation.
• Counterparties are classified as having a higher risk of LA/FT if they appear on Transforma's internal control lists, have had operations reported as unusual and defined as high risk, engage in activities deemed high risk under Colombian law and international standards, or are located in high-risk geographic areas.
• High-risk counterparties are subject to enhanced due diligence, which includes interviews, site visits to offices or facilities, requests for additional documentation, and a requirement for approval from a higher authority, at minimum a Project Director.
• The policy identifies 31 specific 'alert signals' (señales de alerta) to detect LA/FT, including reluctance to provide identity documents, inconsistent financial data, the use of proxies without valid reason, and the status of a provider as a Politically Exposed Person (PEP).
• The internal reporting process involves the reporting party notifying the Transparency Officer of an 'Unusual Operation' (ROI); the Transparency Officer then determines if it should be escalated as a 'Suspicious Operation' (ROS) to the Financial Information and Analysis Unit (UIAF).

APA

Transforma (n.d.). Política contra Lavado de Activos y Financiación del Terrorismo. https://transforma.global/wp-content/uploads/2025/07/Politica-contra-Lavado-de-Activos-y-Financiacion-del-Terrorismo.pdf

Chicago

Transforma. Política contra Lavado de Activos y Financiación del Terrorismo. n.d. https://transforma.global/wp-content/uploads/2025/07/Politica-contra-Lavado-de-Activos-y-Financiacion-del-Terrorismo.pdf.

Wikipedia

{{cite report |author=Transforma |title=Política contra Lavado de Activos y Financiación del Terrorismo |url=https://transforma.global/wp-content/uploads/2025/07/Politica-contra-Lavado-de-Activos-y-Financiacion-del-Terrorismo.pdf |access-date=23 October 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{transformandpoltica, author = {{Transforma}}, title = {{Política contra Lavado de Activos y Financiación del Terrorismo}}, institution = {Transforma}, url = {https://transforma.global/wp-content/uploads/2025/07/Politica-contra-Lavado-de-Activos-y-Financiacion-del-Terrorismo.pdf}, urldate = {2026-10-23}, note = {Indexed by Climate Insights Directory} }