{"id":1054,"date":"2020-11-13T12:35:40","date_gmt":"2020-11-13T12:35:40","guid":{"rendered":"https:\/\/ricovictor.com\/?p=1054"},"modified":"2020-11-13T12:35:45","modified_gmt":"2020-11-13T12:35:45","slug":"aplicacion-de-la-segmentacion-en-la-prevencion-del-lavado-de-dinero","status":"publish","type":"post","link":"https:\/\/ricovictor.com\/index.php\/2020\/11\/13\/aplicacion-de-la-segmentacion-en-la-prevencion-del-lavado-de-dinero\/","title":{"rendered":"Aplicaci\u00f3n de la segmentaci\u00f3n en la prevenci\u00f3n del lavado de dinero"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1054\" class=\"elementor elementor-1054\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-531e941a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"531e941a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5a33888a\" data-id=\"5a33888a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63ea59b9 elementor-widget elementor-widget-text-editor\" data-id=\"63ea59b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Antes de entrar en detalles acerca de los beneficios que puede aportar la <strong>segmentaci\u00f3n en la prevenci\u00f3n del riesgo de lavado de dinero<\/strong>, es necesario que entendamos que es la segmentaci\u00f3n y como puede ser aplicada. Por tanto seguiremos este \u00edndice :<\/p><ol><li>\u00bfQu\u00e9 es la segmentaci\u00f3n?<\/li><li>\u00bfQu\u00e9 beneficios aporta la segmentaci\u00f3n?<\/li><li>T\u00e9cnicas de segmentaci\u00f3n<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40778eb elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"40778eb\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-eye\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d8b7fab\" data-id=\"d8b7fab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f5898b9 elementor-widget elementor-widget-image\" data-id=\"1f5898b9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"426\" src=\"https:\/\/ricovictor.com\/wp-content\/uploads\/2020\/11\/artificial-intelligence-3382507_640.jpg\" class=\"attachment-large size-large wp-image-1046\" alt=\"\" srcset=\"https:\/\/ricovictor.com\/wp-content\/uploads\/2020\/11\/artificial-intelligence-3382507_640.jpg 640w, https:\/\/ricovictor.com\/wp-content\/uploads\/2020\/11\/artificial-intelligence-3382507_640-300x200.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-697686af elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"697686af\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31348b9c\" data-id=\"31348b9c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ffa2191 elementor-widget elementor-widget-text-editor\" data-id=\"7ffa2191\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>\u00bfQu\u00e9 es segmentaci\u00f3n?<\/strong><\/h3><p>\u00a0<\/p><p><strong>La segmentaci\u00f3n<\/strong>\u00a0a la que se har\u00e1 referencia en este art\u00edculo se origina a partir de la necesidad de dividir un universo de mercados, productos, clientes, ubicaciones, transacciones u otro tipo de objetos de an\u00e1lisis en grupos menores que sean homog\u00e9neos y que entre los grupos formados sean heterog\u00e9neos.<\/p><p>\u00a0<\/p><p>Cuando intentamos aplicar el concepto de segmentaci\u00f3n para la prevenci\u00f3n del riesgo de lavado de dinero, el objetivo es\u00a0<strong>conocer el perfil de cada grupo<\/strong>\u00a0<strong>(segmento) formado<\/strong>. El conocimiento de estos perfiles permite un mejor proceso de identificaci\u00f3n de comportamientos at\u00edpicos que se convierten en se\u00f1ales de alerta para la gesti\u00f3n del riesgo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5418c414 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5418c414\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-hand-point-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3ad3b5c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ad3b5c3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f804036\" data-id=\"5f804036\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ef59e2 elementor-widget elementor-widget-spacer\" data-id=\"5ef59e2\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-601e4a1f elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"601e4a1f\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>\u00bfQu\u00e9 beneficios se obtienen con la segmentaci\u00f3n?<\/strong><\/h3><p>\u00a0<\/p><p>La segmentaci\u00f3n debe ser el primer paso en la gesti\u00f3n del riesgo de lavado de dinero, pasando a ser una herramienta fundamental para el\u00a0<strong>monitoreo de operaciones inusuales y el an\u00e1lisis del comportamiento de los clientes,\u00a0<\/strong>pudiendo complementar estos an\u00e1lisis con el uso de herramientas para an\u00e1lisis de datos.<\/p><p>A trav\u00e9s de la segmentaci\u00f3n, las empresas pueden determinar aquellas caracter\u00edsticas usuales en las transacciones desarrolladas por sus clientes y compararlas con aquellas que realicen, con el objetivo de\u00a0<strong>detectar operaciones inusuales<\/strong>.<\/p><p>Cada empresa es libre de definir los criterios con los que har\u00e1 su segmentaci\u00f3n, aunque pueden existir criterios definidos por entes reguladores, existen m\u00faltiples variables para aplicar una segmentaci\u00f3n:<\/p><ul><li><strong>Productos:<\/strong>\u00a0Mercado meta o nichos, caracter\u00edsticas, modelos y marcas, entre otros.<\/li><li><strong>Clientes:\u00a0<\/strong>Ingresos, patrimonio, educaci\u00f3n, demograf\u00eda, estrato social, comportamiento de consumo, tipos de transacciones, entre otros.<\/li><li><strong>Geograf\u00eda:<\/strong>\u00a0Regiones, ciudades, clima, transito.<\/li><li><strong>Puntos de contacto:<\/strong>\u00a0Canales f\u00edsicos, canales digitales, puntos de venta, aplicaciones.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e5a3583 elementor-widget elementor-widget-image\" data-id=\"5e5a3583\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"212\" src=\"https:\/\/ricovictor.com\/wp-content\/uploads\/2020\/09\/robot-507811_1280-300x212.jpg\" class=\"attachment-medium size-medium wp-image-854\" alt=\"\" srcset=\"https:\/\/ricovictor.com\/wp-content\/uploads\/2020\/09\/robot-507811_1280-300x212.jpg 300w, https:\/\/ricovictor.com\/wp-content\/uploads\/2020\/09\/robot-507811_1280-1024x724.jpg 1024w, https:\/\/ricovictor.com\/wp-content\/uploads\/2020\/09\/robot-507811_1280-768x543.jpg 768w, https:\/\/ricovictor.com\/wp-content\/uploads\/2020\/09\/robot-507811_1280.jpg 1280w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d02b36 elementor-widget elementor-widget-spacer\" data-id=\"0d02b36\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6cefd1d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6cefd1d8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-255961fb\" data-id=\"255961fb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f6b6b2f elementor-widget elementor-widget-text-editor\" data-id=\"2f6b6b2f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>T\u00e9cnicas de segmentaci\u00f3n<\/strong><\/h3><p>\u00a0<\/p><p>La segmentaci\u00f3n puede ser realizada, una vez que se hayan definido las caracter\u00edsticas para cada grupo, a trav\u00e9s de t\u00e9cnicas de an\u00e1lisis de datos como:\u00a0<strong>Arboles de decisi\u00f3n y t\u00e9cnicas de <a href=\"https:\/\/ricovictor.com\/index.php\/category\/machine-learning\/\">clustering<\/a><\/strong>.<\/p><p>\ud83c\udf33Los\u00a0<strong>\u00e1rboles de decisi\u00f3n<\/strong>\u00a0se representan gr\u00e1ficamente con diagramas generados a partir de las probabilidades de que ocurran ciertos eventos, son utilizados en diversos \u00e1mbitos desde la econom\u00eda hasta aplicaciones en inteligencia artificial apoyados en an\u00e1lisis de datos. Pueden utilizados para la segmentaci\u00f3n, ya que pueden generar grupos de acuerdo a caracter\u00edsticas comunes de cada conjunto de individuos, productos u otra variable de clasificaci\u00f3n.<\/p><p>\ud83d\udee0\ufe0fLas t\u00e9cnicas de\u00a0<strong>clustering<\/strong>, de forma similar al \u00e1rbol de decisi\u00f3n, son aplicadas a grandes conjuntos de datos a trav\u00e9s de herramientas de miner\u00eda de datos, con el fin de agrupar los datos de acuerdo a medidas de similitud entre los elementos que componen cada conjunto, entre las t\u00e9cnicas de clustering se encuentran:\u00a0<strong>K-Medias y Clustering jer\u00e1rquico<\/strong>.<\/p><p><strong>K-Medias:<\/strong>\u00a0Para un n\u00famero de grupos (k), el algoritmo buscar\u00e1 los mejores centroides\u00a0para realizar el agrupamiento, de forma tal, que los integrantes de cada grupo identificado est\u00e9n lo m\u00e1s cerca posible de sus centroides.<\/p><p><strong>Clustering Jer\u00e1rquico:\u00a0<\/strong>Puede realizarse tanto en forma divisiva o aglomerativa, este tipo de clustering\u00a0permite analizar alternativas para distintos n\u00fameros de grupos, iniciando de n grupos y aglomerando individuos con medidas de similitud cercanas hasta llegar a un numero de grupo previamente establecido; para el clustering divisivo, partimos en sentido inverso al descrito.<\/p><p>Una tercera forma de agrupaci\u00f3n, parte de criterios previamente definidos por la organizaci\u00f3n, estableciendo las caracter\u00edsticas que debe cumplir cada segmento para iniciar el proceso de agrupaci\u00f3n de los grupos objetivos que se pretende establecer. Esta t\u00e9cnica se vale principalmente de criterios cualitativos, pudiendo existir grandes diferencias entre individuos dentro de un mismo grupo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Antes de entrar en detalles acerca de los beneficios que puede aportar la segmentaci\u00f3n en la prevenci\u00f3n del riesgo de lavado de dinero, es necesario que entendamos que es la segmentaci\u00f3n y como puede ser aplicada. Por tanto seguiremos este \u00edndice : \u00bfQu\u00e9 es la segmentaci\u00f3n? \u00bfQu\u00e9 beneficios aporta la segmentaci\u00f3n? T\u00e9cnicas de segmentaci\u00f3n \u00bfQu\u00e9 &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/ricovictor.com\/index.php\/2020\/11\/13\/aplicacion-de-la-segmentacion-en-la-prevencion-del-lavado-de-dinero\/\"> <span class=\"screen-reader-text\">Aplicaci\u00f3n de la segmentaci\u00f3n en la prevenci\u00f3n del lavado de dinero<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":6,"featured_media":1060,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[21,86,15],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Aplicaci\u00f3n de la segmentaci\u00f3n en la prevenci\u00f3n del lavado de dinero - V\u00edctor A. Rico \u2014 Econometr\u00eda y Finanzas Cuantitativas<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ricovictor.com\/index.php\/2020\/11\/13\/aplicacion-de-la-segmentacion-en-la-prevencion-del-lavado-de-dinero\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aplicaci\u00f3n de la segmentaci\u00f3n en la prevenci\u00f3n del lavado de dinero - V\u00edctor A. Rico \u2014 Econometr\u00eda y Finanzas Cuantitativas\" \/>\n<meta property=\"og:description\" content=\"Antes de entrar en detalles acerca de los beneficios que puede aportar la segmentaci\u00f3n en la prevenci\u00f3n del riesgo de lavado de dinero, es necesario que entendamos que es la segmentaci\u00f3n y como puede ser aplicada. Por tanto seguiremos este \u00edndice : \u00bfQu\u00e9 es la segmentaci\u00f3n? \u00bfQu\u00e9 beneficios aporta la segmentaci\u00f3n? T\u00e9cnicas de segmentaci\u00f3n \u00bfQu\u00e9 &hellip; Aplicaci\u00f3n de la segmentaci\u00f3n en la prevenci\u00f3n del lavado de dinero Leer m\u00e1s &raquo;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ricovictor.com\/index.php\/2020\/11\/13\/aplicacion-de-la-segmentacion-en-la-prevencion-del-lavado-de-dinero\/\" \/>\n<meta property=\"og:site_name\" content=\"V\u00edctor A. 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