{"id":12110,"date":"2018-09-10T16:11:38","date_gmt":"2018-09-10T16:11:38","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=12110\/"},"modified":"2018-09-20T15:24:33","modified_gmt":"2018-09-20T15:24:33","slug":"12110","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/","title":{"rendered":"Notes and guidelines for the market about anti-money laundering"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/12110?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"View PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/12110?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><\/a><\/div><p><span style=\"font-weight: 400;\">As a result of the inspections conducted on a number of regulated financial entities since 2017, Panama&#8217;s Securities Market Authority (SMV) has noted some recurring deficiencies among some of them, relating to their anti-money laundering measures.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To this end, the SMV has published Circular SMV-09\/2018 &#8220;Notes on recurring deficiencies and guidelines for the market on anti-money laundering&#8221;, which contains a series of recommendations that should be taken into account by regulated entities and, where necessary, corrected.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The recommendations are as follows:<\/span><\/p>\n<p><b>Self-assessment template<\/b><\/p>\n<p><span style=\"font-weight: 400;\">An internal control classification process by which each regulated entity measures its performance and defines the possible risks inherent to its processes; it must cover the following areas:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Corporate Governance<\/span>\n<ul>\n<li><span style=\"font-weight: 400;\">Board of Directors and how the committees work<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Information received and handled by the Board of Directors and Committees from different operating areas<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Resolutions adopted<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Frequency of meetings by the Board of Directors and Board Committees<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Composition of the committees and how operating areas are represented<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The autonomy of the Board of Directors, of its independent members, of the Compliance Officer and Board Committees.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Continuous training of coworkers in areas such as due diligence, compliance, risk and such fields as may be required to perform their roles correctly.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Internal control<\/span>\n<ul>\n<li><span style=\"font-weight: 400;\">Systems: adoption and implementation of risk mitigation manuals; \u00a0system implementation and automation of processes; triggering of alerts and frequency with which these are reviewed; \u00a0exceptions.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Internal Communication: information flow and procedures in the event of suspicious transactions; reporting between departments and Committees; processing of information received from the Board of Directors through the Committees; scoring of process execution (eg. time taken to conduct processes and deal with alerts).<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Due Diligence<\/span>\n<ul>\n<li><span style=\"font-weight: 400;\">Onboarding and segmentation of clients: \u00a0controls carried out to identify clients, beneficial owners, source of funds; \u00a0identification of client by risk profile; use of systems for the custody and analysis of static and dynamic client information; \u00a0procedures for reinforced identification.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Internal Due Diligence: for employees, suppliers and bank agents.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Internal Audit<\/span>\n<ul>\n<li><span style=\"font-weight: 400;\">Internal Audit Plan during the year and scope of the review of the same<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Communication of results of audits to the Board of Directors and relevant departments and committees<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Implementation time of measures recommended for compliance<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><b>Sub-accounts<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The Circular recommends that measures necessary to prevent this type of account from being used as a vehicle for money laundering crimes should be adopted. One of the measures recommended is that a limit be put on the use that the client can give to each account, adapting it to their transactional profile.<\/span><\/p>\n<p><b>Payment to third parties<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The Circular reminds readers that this activity is restricted to banks.<\/span><\/p>\n<p><b>Substantiating the source of funds<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Due Diligence must go beyond merely asking the client to provide their financial statements; the source of their wealth and of the funds in their accounts must be justified. To that end, regulated entities are required to solicit such information as may be necessary to corroborate the legitimate provenance of these funds, such as the proof of ownership or the holding of shares in a company or a copy of the purchase deeds of a piece of real estate.<\/span><\/p>\n<p><b>Classification of Trust Funds<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Private-interest trust funds should be classified as high-risk institutions, under FATF recommendations, as embodied in the National Risk Assessment and under article 28 of Act 23\/2015*.<\/span><\/p>\n<p><b>Identification of beneficial owners<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The identification of \u00a0beneficial owners must be enhanced in line with the provisions of articles 7, 8 and 9 of Agreement 6-2015**. Where the client is a legal person, the file entry of their ownership of nominative shares onto the Share Register must be verified. Where the client is a natural person, it is important to check that the owner of the account is not acting on behalf of a third party and that the identity provided is not false. The Circular reiterates that the documents proving a client&#8217;s affiliation must include a declaration from the beneficial owner.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Panama&#8217;s Securities Market Authority (SMV) strongly encourages regulated entities to implement these recommendations in their institutions, to improve the country&#8217;s financial system, strengthening its mechanisms to combat money laundering and the financing of terrorism.<\/span><\/p>\n<div class=\"note\">\n<p><span style=\"font-weight: 400;\">*Basic due diligence measures on \u00a0clients that are legal persons. Law adopting measures to combat money laundering, financing of terrorism and financing the proliferation of weapons of mass destruction.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">** This issues the stipulations applicable to Financial Entities regulated by the SMV relative to the prevention of crimes of money laundering, financing of terrorism and financing the proliferation of weapons of mass destruction.<\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As a result of the inspections conducted on a number of regulated financial entities since 2017, Panama&#8217;s Securities Market Authority (SMV) has noted some recurring deficiencies among some of them, relating to their anti-money laundering measures. To this end, the SMV has published Circular SMV-09\/2018 &#8220;Notes on recurring deficiencies and guidelines for the market on [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":12108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[3633,417,774,489,414,2371,878,475,646,3631,3632,1364],"class_list":["post-12110","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-beneficial-owner","tag-board-of-directors","tag-clients","tag-committees","tag-corporate-governance","tag-due-diligence","tag-financing-of-terrorism","tag-money-laundering","tag-panama-en-2","tag-panama-securities-market-authority","tag-self-assessment-template","tag-smv-en-2","numero-16-en","seccion-published-and-draft-legislation-corporate-governance","pais-panama-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Notes and guidelines for the market about anti-money laundering<\/title>\n<meta name=\"description\" content=\"Circular SMV-09-2018 &quot;Notes on recurring deficiencies and guidelines for the market on anti-money laundering&quot;\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Notes and guidelines for the market about anti-money laundering\" \/>\n<meta property=\"og:description\" content=\"Circular SMV-09-2018 &quot;Notes on recurring deficiencies and guidelines for the market on anti-money laundering&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/\" \/>\n<meta property=\"og:site_name\" content=\"Progreso\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva\" \/>\n<meta property=\"article:published_time\" content=\"2018-09-10T16:11:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-09-20T15:24:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2018\/08\/Panama-bl-capitales.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"400\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"karessa Ramos\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FMBBVA\" \/>\n<meta name=\"twitter:site\" content=\"@FMBBVA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"karessa Ramos\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/\"},\"author\":{\"name\":\"karessa Ramos\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\"},\"headline\":\"Notes and guidelines for the market about anti-money laundering\",\"datePublished\":\"2018-09-10T16:11:38+00:00\",\"dateModified\":\"2018-09-20T15:24:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/\"},\"wordCount\":748,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2018\/08\/Panama-bl-capitales.jpg\",\"keywords\":[\"beneficial owner\",\"board of directors\",\"clients\",\"committees\",\"corporate governance\",\"due diligence\",\"financing of terrorism\",\"money laundering\",\"Panam\u00e1\",\"Panama Securities Market Authority\",\"self-assessment template\",\"SMV\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/\",\"name\":\"Notes and guidelines for the market about anti-money laundering\",\"isPartOf\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2018\/08\/Panama-bl-capitales.jpg\",\"datePublished\":\"2018-09-10T16:11:38+00:00\",\"dateModified\":\"2018-09-20T15:24:33+00:00\",\"description\":\"Circular SMV-09-2018 \\\"Notes on recurring deficiencies and guidelines for the market on anti-money laundering\\\"\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#primaryimage\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2018\/08\/Panama-bl-capitales.jpg\",\"contentUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2018\/08\/Panama-bl-capitales.jpg\",\"width\":400,\"height\":300},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Notes and guidelines for the market about anti-money laundering\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website\",\"url\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/\",\"name\":\"Revista Progreso\",\"description\":\"Legal news update\",\"publisher\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization\"},\"alternateName\":\"Revista Progreso\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization\",\"name\":\"Revista Progreso\",\"alternateName\":\"Revista Progreso\",\"url\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png\",\"contentUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png\",\"width\":6173,\"height\":1001,\"caption\":\"Revista Progreso\"},\"image\":{\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva\",\"https:\/\/x.com\/FMBBVA\",\"https:\/\/www.linkedin.com\/company\/fundacin-microfinanzas-bbva\/\",\"https:\/\/www.instagram.com\/somosfmbbva\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\",\"name\":\"karessa Ramos\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g\",\"caption\":\"karessa Ramos\"},\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/author\/karessa\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Notes and guidelines for the market about anti-money laundering","description":"Circular SMV-09-2018 \"Notes on recurring deficiencies and guidelines for the market on anti-money laundering\"","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/","og_locale":"en_US","og_type":"article","og_title":"Notes and guidelines for the market about anti-money laundering","og_description":"Circular SMV-09-2018 \"Notes on recurring deficiencies and guidelines for the market on anti-money laundering\"","og_url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/","og_site_name":"Progreso","article_publisher":"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva","article_published_time":"2018-09-10T16:11:38+00:00","article_modified_time":"2018-09-20T15:24:33+00:00","og_image":[{"width":400,"height":300,"url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2018\/08\/Panama-bl-capitales.jpg","type":"image\/jpeg"}],"author":"karessa Ramos","twitter_card":"summary_large_image","twitter_creator":"@FMBBVA","twitter_site":"@FMBBVA","twitter_misc":{"Written by":"karessa Ramos","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#article","isPartOf":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/"},"author":{"name":"karessa Ramos","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf"},"headline":"Notes and guidelines for the market about anti-money laundering","datePublished":"2018-09-10T16:11:38+00:00","dateModified":"2018-09-20T15:24:33+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/"},"wordCount":748,"commentCount":0,"publisher":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2018\/08\/Panama-bl-capitales.jpg","keywords":["beneficial owner","board of directors","clients","committees","corporate governance","due diligence","financing of terrorism","money laundering","Panam\u00e1","Panama Securities Market Authority","self-assessment template","SMV"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/","name":"Notes and guidelines for the market about anti-money laundering","isPartOf":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#primaryimage"},"image":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2018\/08\/Panama-bl-capitales.jpg","datePublished":"2018-09-10T16:11:38+00:00","dateModified":"2018-09-20T15:24:33+00:00","description":"Circular SMV-09-2018 \"Notes on recurring deficiencies and guidelines for the market on anti-money laundering\"","breadcrumb":{"@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#primaryimage","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2018\/08\/Panama-bl-capitales.jpg","contentUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2018\/08\/Panama-bl-capitales.jpg","width":400,"height":300},{"@type":"BreadcrumbList","@id":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/12110\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/"},{"@type":"ListItem","position":2,"name":"Notes and guidelines for the market about anti-money laundering"}]},{"@type":"WebSite","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#website","url":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/","name":"Revista Progreso","description":"Legal news update","publisher":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization"},"alternateName":"Revista Progreso","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#organization","name":"Revista Progreso","alternateName":"Revista Progreso","url":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png","contentUrl":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2023\/09\/Logo-FMBBVA-AZUL.png","width":6173,"height":1001,"caption":"Revista Progreso"},"image":{"@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva","https:\/\/x.com\/FMBBVA","https:\/\/www.linkedin.com\/company\/fundacin-microfinanzas-bbva\/","https:\/\/www.instagram.com\/somosfmbbva\/"]},{"@type":"Person","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf","name":"karessa Ramos","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/progresomicrofinanzas.org\/revistaprogreso\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a2388109b4325a6fb9c892c3212e430cdc0835c8fc1c1a41f4cc2a3b175b81c5?s=96&d=mm&r=g","caption":"karessa Ramos"},"url":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/author\/karessa\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/12110","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/comments?post=12110"}],"version-history":[{"count":0,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/12110\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/media\/12108"}],"wp:attachment":[{"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/media?parent=12110"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/tags?post=12110"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}