{"id":114,"date":"2016-03-22T11:59:31","date_gmt":"2016-03-22T14:59:31","guid":{"rendered":"https:\/\/stand.com.br\/blog\/?p=114"},"modified":"2016-03-31T13:02:34","modified_gmt":"2016-03-31T16:02:34","slug":"resolucao-21-coaf-e-as-factorings-parte-1","status":"publish","type":"post","link":"https:\/\/www.stand.com.br\/blog\/resolucao-21-coaf-e-as-factorings-parte-1\/","title":{"rendered":"Resolu\u00e7\u00e3o 21 do COAF e as Factorings"},"content":{"rendered":"

Tempo de leitura: 7 minutos<\/small><\/p>

Resolu\u00e7\u00e3o COAF 21 – Sistema Factoring – Parte 1<\/h2>\n

Fa\u00e7a o download do roteiro em PDF<\/a><\/p>\n

O que \u00e9:<\/b><\/span><\/p>\n

A resolu\u00e7\u00e3o tem como principal objetivo estabelecer normas gerais para a preven\u00e7\u00e3o \u00e0 lavagem de dinheiro e ao financiamento do terrorismo atrav\u00e9s de pol\u00edticas de preven\u00e7\u00e3o, classifica\u00e7\u00e3o de risco dos clientes e opera\u00e7\u00f5es, cadastro de clientes e registro das opera\u00e7\u00f5es.<\/span><\/p>\n

A quem se destina:<\/b><\/span><\/p>\n

Empresa de fomento comercial, na forma do primeiro par\u00e1grafo do artigo 14 da lei 9.613 de 03\/03\/1998.<\/span><\/p>\n

Este documento n\u00e3o supre a necessidade de leitura criteriosa da resolu\u00e7\u00e3o original e completa. Aqui iremos apenas resumir os principais pontos ligando-os a rotinas e ferramentas do Facwin para auxiliar nossos usu\u00e1rios no cumprimento das regras.<\/b><\/i><\/span><\/p>\n

Link para a resolu\u00e7\u00e3o completa:<\/i><\/span><\/p>\n

https:\/\/www.coaf.fazenda.gov.br\/conteudo\/legislacaoe-normas\/normas-coaf\/resolucoes\/coaf-resolucao-no-021-de-20-de-dezembro-de-2012\/<\/span><\/span><\/a><\/u><\/span><\/span><\/span><\/span><\/p>\n

Da Pol\u00edtica de Preven\u00e7\u00e3o:<\/b><\/span><\/p>\n

Empresa deve cadastrar Diretor e funcion\u00e1rios respons\u00e1veis pelo registro das informa\u00e7\u00f5es no COAF.<\/span><\/span><\/p>\n

Criar e implementar um Plano Formal de Preven\u00e7\u00e3o a lavagem de dinheiro e financiamento ao terrorismo, aprovado pelos seus representantes legais (Diretoria\/ S\u00f3cio-Diretor, etc.), nos termos do seu contrato social. <\/span><\/span><\/p>\n

CADASTRO<\/b><\/span><\/span><\/span><\/p>\n

Informa\u00e7\u00f5es cadastrais dever\u00e3o ser registradas em <\/span>Cr\u00e9dito \/ An\u00e1lise de Cr\u00e9dito do Proponente<\/i><\/span>.<\/span><\/span><\/span><\/p>\n

SELECIONAR = Nova An\u00e1lise (Eventual) – para cedentes j\u00e1 cadastrados <\/span><\/span><\/p>\n

Pesquisar cedente atrav\u00e9s da op\u00e7\u00e3o proponente.<\/b><\/span><\/span><\/p>\n

\"\" <\/span><\/p>\n

Bot\u00e3o CHECK LIST <\/b><\/span><\/span><\/p>\n

Controle de documenta\u00e7\u00e3o entregue pelo cliente. A documenta\u00e7\u00e3o solicitada dever\u00e1 atender a exig\u00eancia do grupo de risco no qual se enquadra o cliente nos termos do Plano de Preven\u00e7\u00e3o da empresa. <\/span>(Se\u00e7\u00e3o IV, art. 7\u00ba da resolu\u00e7\u00e3o 21 do COAF). <\/i><\/span><\/span><\/span><\/p>\n

\"\" <\/span><\/p>\n

Fator de Risco PJ – grupo de risco no qual o cliente foi enquadrado. <\/span><\/span><\/span><\/p>\n

(Se\u00e7\u00e3o III, art. 4\u00ba da resolu\u00e7\u00e3o 21 do COAF).<\/i><\/span><\/span><\/p>\n

\"\" <\/span><\/p>\n

Exposi\u00e7\u00e3o ao Risco PF – comprova\u00e7\u00e3o, referente a cada um dos s\u00f3cios, diretores, procuradores e parentes (s\u00e3o considerados parentes, os familiares, na linha direta, at\u00e9 o primeiro grau, o c\u00f4njuge, o companheiro, a companheira, o enteado e a enteada), do seu enquadramento nas condi\u00e7\u00f5es de pessoa politicamente exposta nos termos da <\/span>resolu\u00e7\u00e3o 16 de 28 de mar\u00e7o de 2007.<\/i><\/span><\/span><\/span><\/p>\n

\"\" <\/span><\/p>\n

Credito \/ Relatorio Pendencias Documenta\u00e7\u00e3o Cedente <\/b><\/span>(pendencias documentos check list \/ validade cadastro (PJ\/PF \u2013 check lisyt) \/ procura\u00e7\u00e3o (mandato \u2013 quadro social) \/ mandato (quadro social)<\/span><\/p>\n

Bot\u00e3o INFORMA\u00c7\u00d5ES INTERNAS<\/b><\/span><\/span><\/p>\n

Informa\u00e7\u00f5es referentes ao RATING, CONFIRMA\u00c7\u00c3O DE TITULOS, LIQUIDA\u00c7\u00d4ES e CONFERENCIA DOCUMENTA\u00c7\u00c3O<\/span><\/p>\n

\"\"<\/p>\n

RATING<\/b><\/span><\/span><\/p>\n

Informado pelo usu\u00e1rio<\/span><\/p>\n

Classifica\u00e7\u00e3o interna de risco financeiro criada pela empresa de Factoring.<\/span><\/p>\n

_________________________________________________________________<\/span><\/p>\n

CONFIRMA\u00c7\u00d5ES<\/b><\/span><\/p>\n

Informa\u00e7\u00f5es obtidas da base de dados do sistema (bot\u00e3o CONSULTAR B.DADOS)<\/span><\/p>\n

An\u00e1lise com base em:<\/span><\/p>\n

Opera\u00e7\u00f5es CV-DP \/ FIDC \/ Especiais<\/i><\/span><\/p>\n

T\u00edtulos em aberto<\/span><\/p>\n

P. Operacionais \u2013 Outros Par\u00e2metros \u2013 CODIGOS DE TITULOS CONFIRMADOS (t\u00edtulos confirmados somente com os c\u00f3digos informados neste campo).<\/span><\/p>\n

RISCO<\/b><\/span> – saldo devedor do cedente<\/span><\/p>\n

AMOSTRA <\/b><\/span>– valor total dos t\u00edtulos CONFIRMADOS e N\u00c3O CONFIRMADOS<\/span><\/p>\n

CONFIRMADO <\/b><\/span>– valor total dos t\u00edtulos CONFIRMADOS (t\u00edtulos confirmados somente com os c\u00f3digos informados nos P. Operacionais).<\/span><\/p>\n

CONF\/RISCO<\/b><\/span> – percentual entre os valores CONFIRMADO e RISCO<\/span><\/p>\n

CONF\/AMOSTRA<\/b><\/span> – percentual entre os valores CONFIRMADO e AMOSTRA<\/span><\/p>\n

AMOSTRA\/RISCO<\/b><\/span> – percentual entre os valores AMOSTRA e RISCO<\/span><\/p>\n

___________________________________________________________________<\/span><\/p>\n

LIQUIDA\u00c7\u00d5ES<\/b><\/span><\/p>\n

Informa\u00e7\u00f5es obtidas da base de dados do sistema (bot\u00e3o CONSULTAR B.DADOS)<\/span><\/p>\n

An\u00e1lise com base em:<\/span><\/p>\n

Opera\u00e7\u00f5es CV-DP \/ FIDC \/ Especiais <\/i><\/span><\/p>\n

T\u00edtulos LIQUIDADOS (de acordo com prazo estabelecido pela factoring)<\/span><\/p>\n

P. Operacionais \u2013 Outros Par\u00e2metros.<\/span><\/p>\n

RECOMPRA<\/a> C\/ TRANSF. COB SIMPLES. <\/span><\/p>\n

RECOMPRA<\/a> C\/DEVOLU\u00c7AO.<\/span><\/p>\n

LIQUIDACAO TOTAL<\/b><\/span> \u2013 Vr. Total dos t\u00edtulos LIQUIDADOS <\/span><\/p>\n

BAIXA RECOMPRA<\/b><\/span> \u2013 Vr. Total dos t\u00edtulos liquidados, RECOMPRADOS (t\u00edtulos recomprados somente com os c\u00f3digos informados nos P. Operacionais)<\/span><\/p>\n

% REC\/LIQ<\/b><\/span> – percentual entre os valores RECOMPRADOS e LIQUIDADOS<\/span><\/p>\n

Bx. COB. SIMPLES<\/b><\/span> \u2013 Vr. Total dos t\u00edtulos liquidados, RECOMPRADOS E TRANSF CS (t\u00edtulos recomprados e transferidos CS somente com os c\u00f3digos informados nos P. Operacionais)<\/span><\/p>\n

% CS\/LIQ<\/b><\/span> – percentual entre os valores RECOMPRADOS TRANSF CS e LIQUIDADOS<\/span><\/p>\n

_____________________________________________________________________<\/span><\/p>\n

DOCUMENTA\u00c7\u00c3O<\/b><\/span><\/p>\n

Informa\u00e7\u00f5es obtidas da base de dados do sistema (bot\u00e3o CONSULTAR B.DADOS)<\/span><\/p>\n

An\u00e1lise com base em:<\/span><\/p>\n

Opera\u00e7\u00f5es CV-DP \/ CV-CH \/ FIDC \/ Especiais \/ Mat\u00e9ria Prima <\/i><\/span><\/p>\n

Verifica Cadastro \/ Cedentes \u2013 PRAZO REGULARIZAR DOCUMENTA\u00c7AO<\/span><\/p>\n

(T\u00edtulos CONFERIDOS no intervalo entre DATA DO DIA menos PRAZO informado no campo PRAZO REGULARIZAR DOCUMENTA\u00c7AO)<\/span><\/p>\n

T\u00edtulos em ABERTO<\/span><\/p>\n

RISCO<\/b><\/span> – saldo devedor do cedente.<\/span><\/p>\n

AMOSTRA <\/b><\/span>\u2013 Vr. Total dos t\u00edtulos, em aberto. <\/span><\/p>\n

DOCTO OK <\/b><\/span>\u2013 Vr. Total dos t\u00edtulos, em abertos e confirmados.<\/span><\/p>\n

IRREGULARES<\/b><\/span> \u2013 Vr. Total dos t\u00edtulos, em abertos e irregulares.<\/span><\/p>\n

___________________________________________________________________<\/span><\/p>\n

Bot\u00e3o INFORMA\u00c7\u00d5ES CONTAB\u00c9IS<\/b><\/span><\/span><\/p>\n

Demonstrativos \/ \u00cdndices \/ Dados Auxiliares<\/span><\/span><\/p>\n

\"\" <\/span><\/p>\n

Informa\u00e7\u00f5es de saldos de contas do balan\u00e7o patrimonial, demonstrativo de resultado, dados do faturamento, c\u00e1lculo de \u00edndices financeiros, analise vertical e horizontal, etc.<\/span><\/span><\/p>\n

O balan\u00e7o e \u00edndices financeiros ser\u00e3o tratados a parte, uma vez que, poucas empresas utilizam desta ferramenta para an\u00e1lise e concess\u00e3o de cr\u00e9dito.<\/span><\/span><\/p>\n

Bot\u00e3o INFORMA\u00c7\u00d5ES FINANCEIRAS<\/b><\/span><\/span><\/p>\n

Registrar os principais clientes e fornecedores do cedente al\u00e9m de permitir consulta ao Serasa dos mesmos.<\/span><\/strong><\/p>\n

Ainda nesta rotina ser\u00e3o registrados os principais fornecedores de fundo (Bancos, Factoring, etc.) para o cedente<\/span><\/strong>.<\/span><\/p>\n

\"\"<\/p>\n

Bot\u00e3o QUADRO SOCIAL \/ADMINISTRA\u00c7\u00c3O<\/b><\/span><\/span><\/p>\n

Destinam-se ao cadastramento dos dados dos s\u00f3cios, diretores, representantes, procuradores, etc.<\/span><\/span><\/p>\n

Estes dados poder\u00e3o ser importados do Cadastro Cedentes <\/span><\/span><\/span><\/p>\n

Clicar TRANSFERE CADASTRO CEDENTE<\/span><\/span><\/p>\n

Bot\u00e3o CONSULTA SERASA – permite a consulta de CPF\/ CNPJ cadastrados<\/span><\/p>\n

\u00c9 importante cadastrar dados de vencimento de mandato e\/ou procura\u00e7\u00e3o quando for o caso, para efeito de alerta no check list.<\/span><\/p>\n

\"\"<\/p>\n

Bot\u00e3o VISITA T\u00c9CNICA<\/b><\/span><\/span><\/p>\n

Preencher informa\u00e7\u00f5es referentes \u00e0 visita t\u00e9cnica realizada pela factoring ao cliente. <\/span><\/p>\n

A visita se enquadra em uma das hip\u00f3teses de dilig\u00eancia referenciadas pela <\/span>Resolu\u00e7\u00e3o 21 do COAF.<\/i><\/span><\/p>\n

\"\"<\/p>\n

Bot\u00e3o PARECER CR\u00c9DITO<\/b><\/span><\/span><\/p>\n

Preencher com informa\u00e7\u00f5es sobre o hist\u00f3rico da empresa, seus pontos positivos e negativos.<\/span><\/span><\/span><\/p>\n

HISTORICO – descri\u00e7\u00e3o do hist\u00f3rico da empresa, tais como informa\u00e7\u00f5es sobre o seu processo de funda\u00e7\u00e3o, composi\u00e7\u00e3o acion\u00e1ria\/ societ\u00e1ria, atividades por ela desenvolvidas, coloca\u00e7\u00e3o no mercado, etc.<\/span><\/span><\/span><\/p>\n

PONTOS POSITIVOS – Estrutura organizacional, estrutura de produ\u00e7\u00e3o, participa\u00e7\u00e3o no mercado, aspectos localizacionais e de mercado, etc.<\/span><\/span><\/span><\/p>\n

PONTOS NEGATIVOS – restri\u00e7\u00f5es \u00e0 sua atividade de produ\u00e7\u00e3o, atraso tecnol\u00f3gico, restri\u00e7\u00f5es de cr\u00e9dito em geral, etc.<\/span><\/span><\/span><\/p>\n

\"\" <\/span><\/p>\n

Ap\u00f3s o preenchimento das informa\u00e7\u00f5es \u00e9 poss\u00edvel a impress\u00e3o do relat\u00f3rio. <\/span><\/span><\/span><\/p>\n

Analise dos Cedentes<\/b><\/span><\/span><\/span><\/p>\n

Objetivo<\/b><\/span><\/span><\/p>\n

Rotina que tem como objetivo permitir \u00e0 Factoring analisar cada CEDENTE, de forma individual, com base no Plano Formal de Preven\u00e7\u00e3o, resultando na classifica\u00e7\u00e3o de Risco do Cedente..<\/span><\/span><\/p>\n

Permiss\u00f5es <\/b><\/span><\/span><\/p>\n

Utilit\u00e1rios \/ Gerenciamentos das Permiss\u00f5es dos Usu\u00e1rios<\/b><\/span><\/p>\n

11.39 \u2013 Configura\u00e7\u00e3o Itens An\u00e1lise COAF<\/span><\/p>\n

15.75.01 \u2013 Classifica\u00e7\u00e3o dos Cedentes – COAF<\/span><\/p>\n

Parametriza\u00e7\u00f5es<\/b><\/span><\/p>\n

1 \u2013 Par\u00e2metros \/ Parametros da Empresa \u2013 Outros Intervenientes (10.10.1)<\/b><\/span><\/span><\/p>\n

\"\"<\/p>\n

RESP.COAF \u2013 informar CPF do diretor respons\u00e1vel pelas informa\u00e7\u00f5es ao COAF<\/span><\/span><\/p>\n

2 \u2013 Tabelas \/ Configura\u00e7\u00e3o Itens An\u00e1lise COAF (11.39)<\/b><\/span><\/span><\/p>\n

Tabela CABECALHO_COAF<\/b><\/span><\/p>\n

Cadastrar os ITENS que ser\u00e3o avaliados na an\u00e1lise do Cedente\/Opera\u00e7\u00e3o (oficial), de acordo com o Plano Formal de Preven\u00e7ao<\/span><\/span><\/p>\n

\"\"<\/p>\n

SITUA\u00c7\u00c3O \u2013 se o ITEM cadastrado vai ser analisado (ATIVO) ou n\u00e3o (INATIVO) no Cedente<\/span><\/span><\/p>\n

\"\"<\/p>\n

RESPOSTA \u2013 se o CEDENTE enquadra(SIM) ou n\u00e3o(N\u00c3O) no ITEM analisado. <\/span><\/span><\/p>\n

Ser\u00e1 preenchido na Analise do Cedente<\/span><\/span><\/p>\n

\"\"<\/p>\n

APLICA\u00c7AO \u2013 se o ITEM ser\u00e1 analisado somente para o Cedente (CEDENTE), somente para o Opera\u00e7\u00e3o (BORDERO) ou Cedente \/Opera\u00e7\u00e3o (AMBOS)<\/span><\/span><\/p>\n

\"\"<\/p>\n

COMUNICADO \u2013 se a Factoring dever\u00e1 informar (SIM) ou n\u00e3o (N\u00c3O) ao COAF sobre a OPERA\u00c7AO ou apenas observar (OBSERVAR) em rela\u00e7\u00e3o ao ITEM analisado.<\/span><\/span><\/p>\n

Ser\u00e1 preenchido na Analise da Opera\u00e7\u00e3o<\/span><\/span><\/p>\n

\"\"<\/p>\n

CLASSE RISCO \u2013 n\u00edvel de risco que ser\u00e1 classificado o CEDENTE <\/span><\/p>\n

Ser\u00e1 preenchido na Analise do Cedente<\/span><\/span><\/p>\n

\"\"<\/p>\n

OBS: ap\u00f3s GRAVAR analise do cedente e abrir novamente essa analise, sistema n\u00e3o mostra ITENS inclu\u00eddos ( Tabela Configura\u00e7\u00e3o Itens) ap\u00f3s essa grava\u00e7\u00e3o.<\/span><\/span><\/p>\n

Esta foi a primeira parte de nosso treinamento sobre a classifica\u00e7\u00e3o COAF de acordo com a resolu\u00e7\u00e3o 21 em seu sistema para gest\u00e3o de Fatoring<\/a>!<\/p>\n

Veja as partes 2<\/a> e 3<\/a> e em caso de d\u00favidas fale com a gente atrav\u00e9s do e-mail suporte@stand.com.br ou telefone (31)3235-3100.<\/p>\n

Abra\u00e7o,<\/p>\n

Andr\u00e9 Jayme Proc\u00f3pio<\/p>\n","protected":false},"excerpt":{"rendered":"

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