AML compliance manual: Article 18 requirements and how to structure it without templates
The compliance manual is not a generic template: the SAT inspects whether it is adapted to your vulnerable activity, actual workflows, and EBR risk methodology. What it must contain and how to keep it versioned.
Article 18 of the LFPIORPI requires all reporting entities to possess a written document detailing identification policies, internal controls, and criteria to prevent money laundering and terrorist financing. In any SAT inspection, this manual is the very first item requested.
Why generic web templates fail inspections
Authorities carefully verify that procedures described in the manual match actual operational reality: job titles, IT systems in use, specific Article 17 thresholds, and the company's own EBR risk scoring.
Required structure under General Rules
Under Agreement 115/2026, the manual must include: 1) Customer Due Diligence (CDD), 2) UMA threshold accumulation procedures, 3) Monthly notice workflows by the 17th, 4) EBR methodology, 5) 10-year retention rules, and 6) Employee training programs with exams.
How PLDUnity solves it
PLDUnity generates the AML Manual directly from system data, prefilled with your corporate profile, active vulnerable activities, and EBR methodology, complete with formal versioning.
Descarga la Guía Ejecutiva de Cumplimiento LFPIORPI en PDF
Compendio técnico y normativo para blindar las operaciones de tu empresa ante el SAT con las tasas actualizadas de la UMA 2026 ($117.31 MXN).
- Metodología de cumplimiento preventivo
- Umbrales en UMA 2026 y plazos legales
- Directrices oficiales de identificación KYC
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Reviewed by Compliance Officer · BDUnity.
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