En el presente Informe Jurídico, a propósito de la Resolución N°0364-2023/SPCINDECOPI, se determinarán cuáles son las medidas de seguridad que una
entidad bancaria debería adoptar ante operaciones no reconocidas entre
cuentas propias realizadas por canal digital, para verificar que sí cumplió con su
deber de idoneidad.
Al respecto, se concluirá que no corresponde que el sistema de monitoreo
genere alerta ante transferencias entre cuentas propias, incluso si no pertenecen
al patrón de consumo del cliente o si se efectúan entre cuentas de diferente
moneda, ya que tal tipo de operaciones no son potencialmente fraudulentas al
no dar indicios de que es un tercero quien podría está disponiendo de los fondos
del titular de las cuentas, en tanto dichos fondos se mantienen dentro de la esfera
de dominio del cliente.
Siendo ello así, ante un caso de transferencias no reconocidas entre cuentas
propias por canal digital, para determinar que el Banco cumplió con su deber de
idoneidad adoptando las medidas de seguridad aplicables, solo corresponde
verificar que la entidad bancaria autorizó válidamente dichas operaciones
conforme a la garantía legal respectiva, la cual dispone que las transferencias
entre cuentas propias están exentas de la autenticación reforzada.
Tal exoneración se justifica en la naturaleza de las operaciones entre cuentas
propias: no representan un posible fraude. De lo contrario, se les aplicaría la
regla general que exige que las operaciones por canal digital estén sujetas a la
autenticación reforzada. / In this Legal Report, regarding Resolution N°0364-2023/SPC-INDECOPI, we will
determine which are the security measures that a banking entity should adopt in
the event of unrecognized transactions between its own accounts carried out
through digital channels, in order to verify that the entity has complied with its
duty of adequacy.
In this sense, it will be concluded that it is not appropriate for the monitoring
system to generate an alert in the event of transfers between proprietary
accounts, even if they do not belong to the customer's consumption pattern or if
they are made between accounts of different currencies, since such transactions
are not potentially fraudulent, since they do not give any indication that a third
party could be disposing of the account holder's funds, since such funds remain
within the customer's sphere of control.
This being so, in a case of unrecognized transfers between proprietary accounts
by digital channel, in order to determine that the Bank complied with its duty of
adequacy by adopting the applicable security measures, it is only necessary to
verify that the banking entity validly authorized such operations in accordance
with the respective legal guarantee, which provides that transfers between
proprietary accounts are exempt from the reinforced authentication.
Such exemption is justified by the nature of the transactions between proprietary
accounts: they do not represent a potential fraud. Otherwise, would apply to them
the general rule requiring that digital channel transactions be subject to enhanced
authentication.
| Identifer | oai:union.ndltd.org:PUCP/oai:tesis.pucp.edu.pe:20.500.12404/28563 |
| Date | 09 August 2024 |
| Creators | Durán Salcedo, Kiara Miluska |
| Contributors | Prieto Hormaza, Armando Rafael |
| Publisher | Pontificia Universidad Católica del Perú, PE |
| Source Sets | Pontificia Universidad Católica del Perú |
| Language | Spanish |
| Detected Language | English |
| Type | info:eu-repo/semantics/bachelorThesis |
| Format | application/pdf, application/pdf, application/pdf |
| Rights | info:eu-repo/semantics/openAccess, http://creativecommons.org/licenses/by-nc-nd/2.5/pe/ |
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