PLD/AML Compliance Checklist
for Mexican SOFOMs
Verify your SOFOM meets CNBV regulations for Money Laundering Prevention. Based on LFPIORPI and UIF guidelines.
Non-compliance fines range from $40,000 to $13 million MXN. CNBV can revoke your authorization.
0% complete — Low level — high regulatory risk
🏛️PLD Organizational Structure
👤Customer Identification (KYC)
🔍Monitoring & Alerts
📊Regulatory Reporting
⚖️Risk Assessment
Vulnerable activities and reporting thresholds
| Activity | Threshold | Report |
|---|---|---|
| Operaciones en efectivo | >$50,000 MXN | Inmediato |
| Compraventa de inmuebles | >$500,000 MXN | Mensual |
| Compraventa de vehiculos | >$200,000 MXN | Mensual |
| Operaciones con metales preciosos | >$50,000 MXN | Mensual |
| Emision de tarjetas prepagadas | >$50,000 MXN | Mensual |
| Transferencias internacionales | >$10,000 USD | Mensual |
| Constitucion de personas morales | Cualquier monto | Mensual |
| Donaciones | >$100,000 MXN | Mensual |
| Servicios de fe publica (notarios) | Cualquier monto | Mensual |
| Operaciones con activos virtuales | >$50,000 MXN | Inmediato |
Complete PLD compliance guide for SOFOMs
What is PLD/AML compliance?
Money Laundering Prevention (PLD) and Counter-Terrorism Financing (FT) are legal obligations for all financial institutions in Mexico, including Multi-Purpose Financial Companies (SOFOMs). The main legal framework is the Federal Law for Prevention and Identification of Operations with Illicit Proceeds (LFPIORPI), complemented by CNBV General Provisions.
The 5 main obligations of a SOFOM
1. Customer identification (KYC): Collect and verify each customer's identity, maintain updated files, and check blocked persons lists.
2. Transaction monitoring: Implement systems detecting unusual operations by amount, frequency, or characteristics. Cash operations over $50,000 MXN require immediate reporting.
3. UIF reports: Submit relevant operation reports (monthly), unusual operation reports (ROI) within 24 hours, and internal concerning operation reports (ROIP) within 24 hours.
4. Training: All staff must receive annual PLD/FT training. The compliance officer must have current certification.
5. Risk assessment: Document and execute at least annual risk assessment, with matrices by product, channel, geography, and customer type.
How AI can help with PLD compliance
A specialized PLD/AML AI assistant can answer regulatory queries instantly, assist in operation classification, generate automatic alerts, and help prepare reports. This significantly reduces the compliance officer's workload and minimizes human errors that can result in sanctions.
Frequently asked questions
What vulnerable activities apply to my SOFOM?
Can I use AI for PLD compliance?
Is this checklist free?
Automate your SOFOM's PLD compliance
An AI assistant that answers PLD compliance questions instantly. Vulnerable activities, reporting thresholds, KYC files — all based on current regulations.