Automated monitoring mechanisms: the obligation taking effect on June 1, 2027
Agreement 115/2026 mandates automated systems for transaction monitoring and deviation alerts. Its scope based on company size and volume, and how to prepare today.
Agreement 115/2026 introduces a phased timeline. While March 1, 2027 mandates AML manuals and EBR risk models, June 1, 2027 marks the enforcement date for automated transaction monitoring systems.
What authorities require as an automated mechanism
Manual spreadsheets no longer suffice. Systems must: a) Monitor transactions continuously or in batch runs, b) Detect deviations from customer transaction profiles, c) Alert in real-time on watchlist matches (69-B, OFAC, PEPs), and d) Automatically calculate UMA accumulations.
Proportionality and audit trail
Every system-generated alert requires documented resolution by the compliance officer, stored in immutable audit logs with cryptographic hash integrity.
How PLDUnity solves it
PLDUnity was built ground-up to meet Agreement 115/2026 automated monitoring requirements: native rule engines, batch and per-client screening against 7 official watchlist sources, and SHA-256 tamper-evident logs.
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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