octubre 2020 – Página 96

Harris Teeter celebrates Carthage, N.C. Fuel Center opening with $0.20 per gallon fuel discount

MATTHEWS, N.C., Oct. 15, 2020 /PRNewswire-PRWeb/ — Harris Teeter is proud to welcome customers to its Mill Creek Fuel Center as the company celebrates its grand opening Oct. 28 – Nov. 3, 2020 with a $0.20 off per gallon fuel promotion.

The Fuel Center will offer customers $0.03 off per gallon every day with the use of a VIC card. Shoppers are…

The Fuel Center will offer customers $0.03 off per gallon every day with the use of a VIC card. Shoppers are encouraged to fill up during the grand opening when the Center will feature a special $0.20 off per gallon discount Oct. 28 – Nov. 3.

At each of its Fuel Centers, Harris Teeter strives to provide customers an excellent experience through high-quality products and great customer service.

Normal fuel center operating hours will be 6 a.m. – 10 p.m. and 24 hours at the pump. Shoppers can redeem Harris Teeter fuel points for cents off the gallon at the fuel pump of any Harris Teeter Fuel Center or BP station. For details on earning and redeeming Fuel Points, please visit harristeeter.com/fuelpoints.

The company operates more than 50 fuel centers throughout Delaware, Maryland, North Carolina, South Carolina and Virginia.

Fast Facts
Address:
Mill Creek Fuel Center
305 Mill Creek Rd.
Carthage, NC 28327
Grand Opening
Promotion Date: Oct. 28 – Nov. 3, 2020
Store Hours: Staffed daily from 6 a.m. – 10 p.m.; fuel available for purchase by debit/credit card 24 hours
Square Footage: 240
Fuel Dispensers: 7

http://www.harristeeter.com

Harris Teeter, with headquarters in Matthews, N.C., is a wholly-owned subsidiary of The Kroger Co. (NYSE: KR). The regional grocery chain employs approximately 30,000 associates and operates stores in North Carolina, South Carolina, Virginia, Georgia, Maryland, Delaware, Florida and the District of Columbia.

SOURCE Harris Teeter

Travel Leaders Network Debuts «Insider» Trips

ALEXANDRIA, Va., Oct. 15, 2020 /PRNewswire/ — Travel Leaders Network is offerings its advisors several opportunities to travel the globe, via exclusive «Insider» trips the company arranged to give its members a first look at traveling during the changing travel environment.

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Travel Leaders Network advisors can speak with authority about the measures taken to address health and safety concerns.

In the first phase of the project, 150 travel advisors will travel on a series of 18 familiarization trips to seven destinations across Mexico and the Caribbean over the next 60 days.

Travel Leaders launched the program after operating three highly successful fam trips to Dubai, Mexico and Disney World. The first set of «Insider» fams are being sponsored by Palace Resorts, Iberostar Resorts and Sandals & Beaches Resorts.

«We’ve learned from other recent fam trips that enabling our advisors to travel and get firsthand experience is one of the best tools we have to build confidence among our agents and their customers about booking a particular destination,» said Roger E. Block, President of Travel Leaders Network. «Upon completing their trips, our advisors can speak with authority about the measures airlines, resorts and destinations have taken to address health and safety concerns and what it’s really like on the ground.»

These destination visits go beyond the traditional fam trips, as they are designed to educate advisors not only in the property and destination, but to give them a deep dive into the precautions they are taking in the pandemic. All destinations are those that are currently accepting visits from American passport holders.

«Travel advisors are the original consumer influencers in the travel world,» said Block. «We know from experience that their clients pay careful attention to the advice and guidance their advisors share.»

For that reason, travel advisors chosen to attend will be encouraged to share their experiences on social media and with their network colleagues. «Insider» participants will take part in:

Pre-travel training webinar outlining expectations and requirements around social media exposure and content gathering
On-trip social media posts and live updates monitored by Travel Leaders Network’s social media team
Post-travel trip recap reports, photos and videos to be shared on Agent Universe, the extranet for Travel Leaders Network member agencies

«Beyond providing valuable information for travel advisors, the ‘Insider’ trips are designed to show that these destinations are open and ready to safely welcome visitors,» said Stephen McGillivray, Chief Marketing Officer, Travel Leaders Group. «By sharing these journeys, we hope to convey to travelers the seriousness with which Mexico and the Caribbean are taking precautions to prevent the spread of COVID-19. Travel advisors will lead the way in tourism’s comeback, and our ‘Insider’ trips are a great first step.»

Travel Leaders Network plans to offer additional «Insider» trips as destinations around the world open up to more travelers. While the initial program is open to US advisors, trips will also be offered to Canadian advisors in the future.

For travel agency owners and independent contractors interested in learning more about the award-winning programs and diverse offerings that Travel Leaders Network offers agencies in leisure and luxury travel, business travel, honeymoon and destination weddings, as well as active and adventure travel, visit TravelLeadersNetwork.com.

About Travel Leaders Network
Travel Leaders Network (www.TravelLeaders.com) assists millions of leisure and business travelers annually and is one of the largest sellers of luxury travel, cruises and tours in the travel agency industry, with approximately 5,700 travel agency locations across the United States and Canada.

Contact:	Sheree R. Curry
	763-577-3679
	scurry@travelleaders.com

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SOURCE Travel Leaders Network

OverIT refuerza su presencia en Brasil y da la bienvenida a FLUXO Solucoes a su comunidad de socios para respaldar la fuerte demanda en soluciones de colaboración remota, basadas en Realidad Virtual y Aumentada e impulsadas por Inteligencia Artificial

MIAMI, 15 de octubre de 2020 /PRNewswire/ — FLUXO Integrated Solutions, líder brasileño en las industrias de petróleo y gas y petroquímica, se ha unido a OverIT para proporcionar sofisticadas soluciones de colaboración remota basadas en Realidad Virtual y Aumentada e impulsadas por Inteligencia Artificial.

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La combinación de la experiencia de FLUXO en las industrias brasileñas de petróleo y gas, petroquímica, química, acero, minería, etanol y biodiesel, y las soluciones de colaboración y servicio en campo de OverIT, que se encuentran entre las mejores en su clase, proporcionarán un nivel superior de productividad y especialización a sus clientes.

Al convertirse en un miembro estratégico del Programa de Socios de OverIT, FLUXO podrá ofrecer a sus clientes brasileños las tecnologías de vanguardia que tanto necesitan, como IA y RA y RV, que les permitirán mejorar la calidad, la eficiencia y la precisión de sus operaciones de gestión de servicios de campo.

Según Alejandro Nestares, Vicepresidente Sénior y Gerente General de OverIT Américas, «Brasil no es solo la economía más grande de América Latina, sino también un destino natural para la industria química del mundo debido a su riqueza de petróleo, gas, minerales y tierras raras. Tener el socio adecuado es esencial, y la experiencia en la industria de FLUXO será un activo increíble para nuestra estrategia petroquímica de Brasil».

Respaldada por US Capital, con corporativo en Italia y oficinas principales en los EE. UU., en Chicago y Miami, OverIT es una empresa multinacional con más de 20 años de experiencia internacional y multi-industria en la gestión de servicios de campo. Con más de 500 profesionales, OverIT brinda servicio a más de 300 clientes y más de 150.000 usuarios de servicios de campo. La empresa es reconocida por las principales organizaciones internacionales de consultoría y asesoría como un proveedor líder en el mercado de gestión de la fuerza laboral móvil y gestión de servicios de campo.

Con sede en Salvador/BA, oficinas en San Pablo/SP, Río de Janeiro/RJ, y una fábrica en Santana de Parnaiba/SP, FLUXO es un proveedor líder de soluciones de automatización en la industria de procesos. Con más de 110 profesionales y más de 30 años de experiencia, FLUXO es reconocida en el mercado brasileño como proveedor de productos y servicios innovadores, combinando tecnología de punta de clase mundial con soporte e integración local. Como resultado de una sólida estrategia enfocada en la satisfacción del cliente, FLUXO ha forjado una posición de liderazgo en la industria del petróleo y gas, refinación, petroquímica, minería y energía.

Logotipo: https://mma.prnewswire.com/media/1311971/Fluxo_OverIT_Logo.jpg

Contacto:
Alejandro Nestares
alejandro.nestares@overit.us
Teléfono: +1-305-322-7686

FUENTE OverIT; Fluxo

OverIT refuerza su presencia en Brasil y da la bienvenida a FLUXO Solucoes a su comunidad de socios para respaldar la fuerte demanda en soluciones de colaboración remota, basadas en Realidad Virtual y Aumentada e impulsadas por Inteligencia Artificial

<a href="https://mma.prnewswire.com/media/1311971/Fluxo_OverIT_Logo.html" target="_blank"…

Logotipo: https://mma.prnewswire.com/media/1311971/Fluxo_OverIT_Logo.jpg

Contacto:
Alejandro Nestares
alejandro.nestares@overit.us
Teléfono: +1-305-322-7686

FUENTE OverIT; Fluxo

OverIT refuerza su presencia en Brasil y da la bienvenida a FLUXO Solucoes a su comunidad de socios para respaldar la fuerte demanda en soluciones de colaboración remota, basadas en Realidad Virtual y Aumentada e impulsadas por Inteligencia Artificial

<a href="https://mma.prnewswire.com/media/1311971/Fluxo_OverIT_Logo.html" target="_blank"…

Logotipo: https://mma.prnewswire.com/media/1311971/Fluxo_OverIT_Logo.jpg

Contacto:
Alejandro Nestares
alejandro.nestares@overit.us
Teléfono: +1-305-322-7686

FUENTE OverIT; Fluxo

The 24 Million Electric Vehicles of 2020, Reveals IDTechEx

BOSTON, Oct. 15, 2020 /PRNewswire/ — The electric vehicles market across land, sea and air will be 24 million unit sales this year, which represents a decline of roughly 19% year on year from the impact of COVID-19. Urban vehicles such as electric cars and two-wheelers have the highest unit volume, battery demand and motor demand, and, as consumer-driven markets, bear the brunt of the pandemic’s impact.

…

The volume of the electric two-wheeler market, which is just over 90% of the 24 million sales, may seem surprising. This volume comes from China, where the market is not growing. In fact, the S- curve is already over: the market peaked at roughly 30 million sales in 2016 after twenty years of growth and has stabilized at a slightly lower level (some 26 million were sold in 2019).

Since consumer purchasing power has surged, China’s urban mobility preference and future growth is now with the car. However, due to the sheer volume of Chinese electric two-wheelers, it will take a while for other motorcycle-dominated regions with a will to electrify (like India) to make a dent in the global market (we predict the 30 million mark will be surpassed again in 2029). Despite making up over 90% of unit sales today, Li-ion battery demand from two-wheelers takes only 11% of the market due to small battery sizes per vehicle and the dominance of lead-acid batteries in Asian micro-mobility segments.

In contrast, electric cars have the second-highest sales volume alongside relatively large battery capacities per vehicle, making up 7% of unit sales but over 70% of the battery demand in the new IDTechEx report «Electric Vehicles: Land, Sea and Air 2021-2041«: a share which increases for the next two decades.

The question is, against the backdrop of COVID-19, how have plug-in electric cars (BEV + PHEV) fared in 2020? The logic is that COVID-19 and a global recession increases consumer price sensitivity, which is a setback for more expensive electric cars. However, due to a backlog of orders from popular models, less price sensitivity from today’s electric car demographic and the continued commitment of governments to emissions targets, sales have shown resiliency in Europe and the US and were mostly flat during national lockdowns. IDTechEx expects H2 to show a modest recovery, but uncertainty remains high against the backdrop of a ‘second wave.’ In contrast, China’s growth has been negative, but this was the trend before the pandemic with purchase subsidy reductions of up to 60% from July 2019: COVID-19 amplified but did not set-off this trend.

Moving to the seas, Li-ion battery adoption on ships has flourished in recent years as start-ups have capitalized on falling battery cell prices from automotive battery suppliers. However, while the industry is used to much longer sales cycles and a decline is less immediately visible, the impact is likely to be less fundamental and isolated to specific subsegments. For example, the cruise sector has seen passenger demand evaporate due to the risk of being confined out at sea with thousands of passengers: IDTechEx has learned of some major orders for hybrid cruises being delayed, whilst other projects have stayed on track.

For more information, the new IDTechEx report «Electric Vehicles: Land, Sea and Air 2021-2041» puts IDTechEx’s core electric vehicle forecasts in one place: unit sales, battery demand, market sizing and more. Each chapter summarizes the main drivers, trends and forecasts for a vehicle subsegment (two-wheelers, cars, vans / LCV, trucks, buses, leisure boats, commercial short and deep-sea ships, manned aircraft) or enabling technology (Li-ion batteries, electric motors).

By providing a clearer understanding of relative market sizes, battery demand and the fastest-growing electric vehicle markets beyond cars, our aim is to give those in the industry the knowledge to make more informed decisions on their investments and focus into the electric vehicle industry.

For more information on this report, please visit www.IDTechEx.com/EV or for the full portfolio of Electric Vehicle research available from IDTechEx please visit www.IDTechEx.com/research/EV.

IDTechEx guides your strategic business decisions through its Research, Consultancy and Subscription products, helping you profit from emerging technologies. For more information, contact research@IDTechEx.com or visit www.IDTechEx.com.

Media Contact:

Natalie Moreton
Digital Marketing Manager
press@IDTechEx.com
+44(0)1223 812300

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Social Media Links:

Twitter: https://www.twitter.com/IDTechEx
LinkedIn: https://www.linkedin.com/company/idtechex/
Facebook: https://www.facebook.com/IDTechExResearch

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SOURCE IDTechEx

EPM Announces the Addition of Industry Technologist, Suha Zehl

ATLANTA, Oct., 15, 2020 /PRNewswire-HISPANIC PR WIRE/ — Equity Prime Mortgage recently announced that industry influencer and leader, Suha Zehl has joined the EPM team as Chief Analytics Officer. Zehl will be using her vast technology and digital expertise to architect EPM’s business intelligence initiatives that will be a core pillar of EPM’s modern platform.

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«I couldn’t imagine a more exciting time to join the EPM team and lead the BI program to further the success and growth of the organization. EPM is a leader and innovator, providing mortgage brokers best-in-class tools while delighting its customers with the best customer experience,» said Zehl. «EPM is poised for even greater success. What I found most compelling about EPM and what attracted me to the organization is its culture, its undisputed leadership, and its vision to move our industry forward. The addition of the new role of Chief Analytics Officer clearly reinforces the importance of data as a differentiator in EPM’s long term strategy and I am delighted to be leading this program.»

Suha Zehl, MBA, CPM as the Chief Analytics Officer at EPM brings more than eighteen years of experience in the mortgage and real estate industry, and over 34 years of global business and analytics experience. Suha thrives on leveraging innovation, new technologies, and business intelligence to drive digital transformation and create actionable insights to support the business vision and strategy. Her focus is on developing data strategies to make the dream of home ownership a reality for everyone. Suha is a respected speaker and contributor to numerous publications. She is the winner of several prestigious industry awards, including HousingWire’s Tech Trendsetter, Progress in Lending’s Most Powerful Women in FinTech, and Mortgage Women Magazine’s Women with Vision.

«Having an innovative leader, like Suha, join EPM speaks to the focus we have on building a modern platform. Suha is an award-winning business leader who will champion all of our digital growth and I couldn’t be more excited to welcome her to the growing EPM family», said Eddy Perez, President & CEO of EPM.

Beginnings

Founded at the height of the mortgage crisis in 2008, EPM has grown to become one of the leading mortgage lenders in the U.S., operating 18 office locations across the nation. EPM’s new mission, which was launched in the beginning of 2020 states: «We are a resource, and voice, for financial empowerment.» With that said the vision of the organization is clear. EPM strives «to continue to offer top financial service, communication and assistance to the communities we serve.»

Headquartered in Atlanta, GA, EPM is licensed in 49 states and provides an array of lending resources such as Conventional, FHA, VA, 203K, Reverse and USDA loans, as well as a, trusted Fannie Mae, Freddie Mac & Ginnie Mae Seller/Servicer.

With a dedicated staff of highly experienced professionals, EPM provides exceptional pricing for thousands of clients annually, without compromising follow-through and customer service.

For more information about EPM visit us online at Equityprime.com or call us toll-free at (877) 255-3554.

Contact:
Equity Prime Mortgage – NMLS #21116
nmlsconsumeraccess.org
Eric Skates
contact@epm.net
www.epm.net

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SOURCE Equity Prime Mortgage

Introducing the World’s First ALL-ELECTRIC SUPERTRUCK at Earnhardt Buick GMC… Unveiling the GMC Hummer EV

MESA, Ariz., Oct. 15, 2020 /PRNewswire/ — The SuperDuty truck world is about to change with the introduction of the first all-electric Supertruck. The 2021 GMC Hummer EV lives up to its historic nameplate by claiming the highest power ratings in the class. The Earnhardt Hummer Reservation Center expects to log its first reservations as soon as GMC gives the go-ahead on Oct. 20.

«As the first all-electric pickup truck on the market, the GMC Hummer EV represents…

«As the first all-electric pickup truck on the market, the GMC Hummer EV represents a huge leap in capability as well as a crowning achievement: zero emissions,» said Brad Gunlikson, General Manager of Earnhardt Buick GMC in Mesa.

«The future is here,» Kurt Stewart, General Manager of Earnhardt GMC Las Vegas, added. «There is no longer a question of when or where the first electric pickup truck will appear or when it will be capable of taking over from its gas-powered counterparts. No other pickup truck generates as much power as the new GMC Hummer EV.»

Hummer EV drivers will command 1000 horsepower and 1150 pound-feet of torque. That’s, at least, double the horsepower of its rivals. The remarkable rate of torque is 100 pound-feet higher than the closest diesel-powered Super Duty truck.

Off-roading capability is a hallmark of the GMC Hummer EV as it was for the original Humvees. The ability to harness the high rate of torque at low speeds will help it with slow-speed crawls. Today’s modern technology allows for advanced settings such as adrenaline mode and crab mode.

«Defying gravity, the new GMC Hummer EV will be the only pickup truck that can go from zero to 60 miles per hour in 3 seconds,» said Gunlikson.

«And there are many other reasons that drivers will find it exciting to be behind the wheel,» Stewart said. «This is also the first GMC truck with an Open Air Infinity Roof and the first vehicle ever with Unreal Engine software by Epic Games.»

Four modular roof panels will allow the new Hummer owner to turn the electric pickup truck into an open-air vehicle. The overall style certainly reflects the vehicle’s Humvee roots, but GMC ingenuity has rendered it thoroughly contemporary, inside and out.

All digital interfaces, including the entertainment touch screen, have been built using the flexible software that Epic Games uses for such big hits as Fortnite. The systems will be faster, graphics will be photorealistic, and visual effects will be used more creatively. This human-machine interface initiative was the perfect match-up for the many advances in digital hardware spurred by the Hummer’s electrification.

Hummer enthusiasts from Phoenix, AZ, to Las Vegas, NV, can use the Earnhardt Hummer Reservation Center to stake their claim to this game-changing Supertruck. To learn more, contact Earnhardt Auto Centers at (888) 820-3377.

Media Contact: Mollie Everett Phone: 480.783.4650 Email: mollie.everett@earnhardt.com

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SOURCE Earnhardt Auto Centers

Se lanza Clifford Chance Applied Solutions en PartnerVine

ZURICH, 15 de octubre de 2020 /PRNewswire/ — Clifford Chance Applied Solutions, filial legal digital de Clifford Chance LLP, se ha lanzado hoy por medio de PartnerVine con Cross-Border Publisher: Data Protection, un producto que proporciona información sobre protección de datos en 17 jurisdicciones en Europa.

<img id="prnejpg402aleft" title="PartnerVine_Logo" border="0" alt="PartnerVine_Logo" align="middle" imagelabel="General"…

«Clifford Chance Applied Solutions se complace al lanzar en PartnerVine con Cross-Border Publisher: Data Protection. Proporcionamos una dirección experta sobre una lista completa de temas de protección de datos, preparada por medio de Clifford Chance LLP (y con asesoramiento local) y accesible inmediatamente de forma online. Estamos muy contentos de llevar el producto hasta PartnerVine», afirmó Jeroen Plink, consejero delegado de Clifford Chance Applied Solutions en Nueva York.

«Cross-Border Publisher: Data Protection sustituye la necesidad de una revisión de tipo multi-jurisdiccional en relación a las obligaciones de protección de datos. Con este producto, Clifford Chance Applied Solutions lo ha conseguido para usted, a un precio que refleja la capacidad escalar del software. La protección de datos siempre es un obstáculo para las compañías que entran en nuevos mercados. Ese obstáculo acaba de ser derribado», indicó Jordan Urstadt, consejero delegado de PartnerVine.

Cross-Border Publisher: Data Protection da cobertura a 78 cuestiones sobre la protección de datos y respuestas dentro de un formato al que es sencillo acceder y comparar entre las jurisdicciones. Las jurisdicciones actuales en las que da cobertura son: Austria, Bélgica, República Checa, Francia, Alemania, Hungría, Irlanda, Italia, Luxemburgo, Países Bajos, Polonia, Portugal, Rumania, Eslovaquia, España, Suecia y Reino Unido. Se añadirán más jurisdicciones según crezca la demanda de mercado.

Clifford Chance Applied Solutions es una filial de propiedad completa de Clifford Chance LLP, una de las principales firmas de derecho de todo el mundo. Con sede central en Londres y Nueva York, Clifford Chance Applied Solutions crea productos que proporcionan la experiencia de la red internacional de Clifford Chance LLP con software.

Si desea más información visite www.partnervine.com.

Acerca de PartnerVine: PartnerVine es donde las principales firmas de derecho del mundo venden sus productos legales. PartnerVine ayuda a las compañías a acceder a productos legales innovadores construidos por las firmas legales, y las firmas legales venden fuera de su red. La comunidad de PartnerVine se dedica a los servicios legales desplegados con software. PartnerVine cuenta con oficinas sitas en Zurich y Nueva York.

Logo: https://mma.prnewswire.com/media/1311880/PartnerVine_Logo.jpg

Jordan Urstadt
PartnerVine
+41-79-953-4196

FIBA ante la filtración FinCEN Files: si los bancos ven algo, dicen algo

MIAMI, 15 de octubre de 2020 /PRNewswire-HISPANIC PR WIRE/ — Tras la publicación de archivos confidenciales de la Unidad de Inteligencia Financiera del Departamento del Tesoro de los Estados Unidos (FinCEN, por sus siglas en inglés) donde aparece una lista de bancos que informaron sobre actividades sospechosas, la Asociación de Banqueros Internacionales de Florida (FIBA) fue enfática: la función de los bancos es ayudar a detectar actividades sospechosas y…

El 20 de septiembre de 2020, un informe de Buzzfeed News filtró archivos de la FinCEN sobre instituciones financieras que presentaron Reportes de Actividades Sospechosas (SAR, por sus siglas en inglés). En respuesta, FIBA, cuyos miembros incluyen instituciones financieras de Estados Unidos, América Latina, el Caribe y Europa, reunió un grupo de trabajo para analizar los informes y comunicar a la comunidad, y determinó que los bancos están cumpliendo de forma excepcional con los requisitos legales y la presentación de los SAR significa que cuando tienen alguna sospecha, lo reportan.

Sin embargo, por ley, estos reportes son extremadamente confidenciales. Los SAR son documentos que deben protegerse ya que representan una amenaza para la seguridad de las investigaciones legales, la seguridad del personal del banco y pueden causar daños graves a las personas nombradas en el SAR que no hayan participado en actividades ilegales.

«Ningún banco presentaría un SAR si supiera que se divulgará (al público). Bien puede ser tratado como una acusación. Y lo que es peor, si un criminal u organización delictiva obtiene el nombre del empleado del banco que presentó el SAR, él o ella podría estar en peligro», dijo David Schwartz, presidente y director ejecutivo de FIBA.

Los bancos, ya sean grandes, pequeños, comunitarios o sucursales locales de bancos internacionales, participan en asociación y colaboración integral, tanto con las agencias reguladoras como con las fuerzas del orden a través de lo que se conoce en Estado Unidos como la Ley de Secreto Bancario (BSA por sus siglas en inglés).

La BSA requiere que las instituciones financieras reporten y mantengan registros de las compras en efectivo de instrumentos negociables, presenten informes de transacciones en efectivo que excedan los $10,000 (monto total agregado diario) y denuncien actividades sospechosas que puedan significar el lavado de dinero, evasión de impuestos u otras actividades ilegales. BSA es un sistema desarrollado por las fuerzas del orden y los reguladores encargados de hacer cumplir la ley y solo requiere que los bancos informen actividades sospechosas a través de los SAR.

Las instituciones financieras deben presentar los SAR ante la FinCEN cuando detectan actividades sospechosas. Consisten en sospechas no probadas basadas en hechos recopilados por los investigadores de cumplimiento de BSA que trabajan para los bancos. Los SAR no son evidencia de un delito, pero están destinados a generar una investigación adicional por parte de las fuerzas del orden, si se justifica. Por ley, los bancos no están obligados a limitar o prevenir estas actividades, su función es ayudar a detectar y notificar a las autoridades correspondientes.

El éxito del sistema se basa en la confidencialidad de los informes. Asimismo, los bancos no tienen acceso a un registro completo de clientes, ni a los SAR presentados por otros bancos y, por lo tanto, solo conocen la actividad dentro de su propio sistema.

«Como entidades no gubernamentales, los bancos ayudan a detectar actividades sospechosas, pero no son agentes de la ley o funcionarios del gobierno para hacer cumplir leyes o investigar a estas personas», aclaró Daniel Gutiérrez, director de FIBA. «Cada banco establece sus factores de riesgo y muchos han implementado sistemas integrales para recopilar la mayor cantidad de información y monitorear las cuentas en busca de lavado de dinero, financiamiento del terrorismo y fraude. Los bancos también tienen comités de cierre de cuentas y de actividades inusuales donde estos asuntos se discuten a niveles gerenciales», explicó.

Todas las grandes instituciones financieras están reguladas y deben seguir protocolos y regulaciones que incluyen acciones como el desarrollo de programas contra el lavado de dinero basado en riesgos, el establecimiento de sistemas efectivos de debida diligencia del cliente, presentación de informes de transacciones en efectivo que excedan los $ 10,000, contrastar datos con la Oficina de Control de Activos Extranjeros (OFAC) y otras listas gubernamentales, e invertir en la educación y capacitación del personal de cumplimiento en certificaciones específicas ALD.

Después de que se presenta un SAR, la institución financiera tiene poca o ninguna retroalimentación o información sobre las acciones que se tomaron. FinCEN, la Unidad de Inteligencia Financiera del Departamento del Tesoro, tiene que investigar todos los informes presentados que reciben y, posteriormente, delegarlos a las autoridades policiales pertinentes como la Oficina Federal de Investigaciones (FBI) o el departamento de policía local. Debido a la naturaleza secreta de estos informes, no hay reporte disponible sobre el resultado de las investigaciones iniciadas por un SAR emitido por un banco.

Lo mejor para todas las instituciones financieras es cooperar y no poner en peligro a sus organizaciones o ellas mismas, ya que existe una creciente aplicación de la responsabilidad personal. Alcides Ávila, socio fundador de ARHMF, abogado especializado en Servicios Corporativos y Financieros y miembro del grupo de trabajo de FIBA para analizar la filtración de archivos de FinCEN señaló: «esta violación no solo compromete la colaboración entre las fuerzas del orden y las instituciones financieras, es ilegal difundir esta información. Además, la lectura incorrecta de estos documentos técnicos podría llevar a difamar a personas u organizaciones inocentes que no hicieron nada malo».

La Asociación de Banqueros Internacionales de Florida respalda a miles de profesionales del mundo con certificaciones que incluyen Asociado Certificado Antilavado de Dinero (AMLCA), Profesional Certificado en Antilavado de Dinero (CPAML), Responsabilidades AML para gerentes, CEOs y directores, Banca Corresponsal AML y Sanciones OFAC, entre otras.

Para ayudar a combatir el lavado de dinero y otras actividades ilícitas, muchos bancos han instituido políticas internas que limitan las interacciones con individuos o corporaciones que tienen más de un cierto número de SARs en sus registros. Sin embargo, es importante reconocer que el papel de las instituciones financieras es detectar e informar, al igual que el famoso «si ves algo, di algo» en la industria de viajes.

Cada año, las instituciones financieras y los reguladores presentan más de 2 millones de SAR ante la FinCEN, y las fuerzas del orden hacen su parte en la lucha para llevar ante la justicia a quienes se dedican a actividades ilícitas.

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