Overview

• Resolución SBS Nº 03622-2025, issued on October 7 and published in El Peruano, applies nationwide to Peruvian entities, MINCETUR‑authorized foreign branches, and physical halls operating remote platforms.
• Covered firms must implement a SPLAFT that includes customer and beneficial‑owner identification, transaction recordkeeping, unusual‑activity detection, and suspicious‑operation reporting to UIF‑Perú via ROSEL.
• The rule sets detailed eligibility and independence standards for the compliance officer, whose confidential designation and changes must be reported to DGJCMT and UIF‑Perú through SISDEL within prescribed deadlines.
• A risk‑based approach mandates enhanced due diligence and heightened monitoring for higher‑risk users, including non‑residents and politically exposed persons.
• Implementation begins immediately: most operators have 120 days to comply, while groups with a corporate compliance officer have 60 business days, with DGJCMT charged with supervision and sanctions for noncompliance.