Professional services
Law firms, accounting practices, fiduciaries and corporate advisors.
Comply with Section XI for your own firm and manage AML compliance for your clients on one platform: AI-powered KYC and Beneficial Owner links, Automated 8-source screening and XSD-validated XML reports.
- Legal basis
- Art. 17, section XI
- Identification threshold
- Always (across all 5 scenarios)
- Reporting threshold
- When executing a financial transaction on the client's behalf
- Trigger rule (Sect. XI)
- When acting on the client's behalf
INTERACTIVE REGULATORY COCKPIT
Simulate AML Compliance for Your Industry
Calculated in real-time with official 2026 UMA ($117.31 MXN), Art. 17 notification thresholds and Art. 32 cash restrictions.
Art. 17 LFPIORPI
Identification on all operations; SAT XML report at 8,025 UMA and strict Art. 32 cash cap.
8,025 UMA ($941,412 MXN)
Identification threshold: Always (every deed/contract)
8,025 UMA ($941,412 MXN)
Exceeding this limit in cash constitutes a serious sanction under Art. 53.
Anexo 5
Cumulative 6-month threshold monitoring per client
CAPABILITIES FOR YOUR INDUSTRY
How PLDUnity helps
- 01Feature
Coverage across all 5 Section XI statutory scenarios
Tracks mandates for real estate sales, asset/resource management, bank account management, organizing capital contributions and incorporating/merging/managing legal entities.
- 02Feature
Clear distinction between advisory and financial execution
Always identifies the client and generates the Section XI XML report whenever the firm prepares or executes a financial transaction in the client's name and on their behalf.
- 03Feature
AI-powered corporate onboarding & Beneficial Owner files
Send a single link to collect incorporation deeds, powers of attorney, tax certificates and partner IDs, extracting structured fields with AI in seconds.
- 04Feature
Multi-company Enterprise mode to serve your own clients
If your firm provides outsourced AML compliance services, manage up to 5 reporting-entity client companies from one account with strict tenant isolation.
- 05Feature
Automated 8-source screening (SAT 69-B, PEP, OFAC, UN)
Screens clients, shareholders, attorneys-in-fact and counterparties against 7 official watchlist sources and logs every resolution.
- 06Feature
16-obligation self-assessment & SHA-256 audit package
Audit your firm's and your clients' AML programs and export 10-year SHA-256 evidence packages ready for SAT inspections.
END-TO-END WORKFLOW
How PLDUnity runs end-to-end in your industry
A single connected workflow for asset sales, account/resource management, capital contributions and corporate formations/mergers—without re-keying data between spreadsheets and separate tools.
- 01KYC & Beneficial Owner
Identify every represented client or principal
Identify every client you represent (and their Beneficial Owner) from the start of the engagement via a digital KYC link, with AI extraction of corporate deeds, powers of attorney, IDs and tax certificates.
- 02UMA & Art. 32 Engine
Capture, aggregate & check cash caps
Log engagements across the 5 Section XI scenarios: real estate sales, cash/asset management, bank account management, organizing capital contributions or incorporating/merging companies.
- 037 List Sources + EBR 2027
Watchlist screening & EBR risk grade
Screen clients, shareholders, counterparties and attorneys-in-fact individually or in batches against 7 watchlist sources (SAT 69-B, Unlocated, PEP, OFAC, UN, FBI, OFSI) and document the EBR risk matrix per client and mandate.
- 04SAT XSD + 10-Yr Vault
Validated XML report & SHA-256 evidence
Generate the Section XI XML whenever you execute a financial transaction on the client's behalf, or file a one-click nil report, retaining audit logs and evidence for 10 years.
MEASURABLE IMPACT
Tangible value for every area of your company
PLDUnity removes friction from commercial operations while giving your Compliance Officer and Board verifiable certainty.
Corporate onboarding worthy of a premier firm
Replace endless email threads chasing corporate deeds, powers of attorney and partner IDs with a single due-diligence link that builds the legal and AML file at once.
From days of spreadsheet work to minutes before the 17th
Clearly document when the firm only advises versus when it prepares or executes a financial transaction on a client's behalf, keeping every case and analysis logged.
Protection against fines up to 65,000 UMA ($7.6M MXN)
If your firm also provides AML compliance services to reporting-entity clients, the Enterprise plan lets you manage multiple client companies from a single account.
WHY CHOOSE PLDUNITY
The PLDUnity differentiator
Built in Mexico by BDUnity®, an AML compliance consultancy advising reporting entities since 2012.
Tailored to your exact Article 17 fraction
Dual value for law, accounting and advisory firms: solves your firm's own Section XI obligations and gives you the platform to run AML compliance for your clients.
Software with real consultants behind it
Created by BDUnity® (active since 2012). Every validation rule, annex checklist and audit package reflects real SAT inspections—not generic template software.
AI that accelerates, an Officer who decides
AI reads IDs, tax certificates and custom Excel columns in seconds, but every critical match, risk methodology and XML filing is confirmed by your Compliance Officer.
Google Cloud isolation & SHA-256 fingerprints
Each company runs isolated with TOTP 2FA, role-based segregation of duties, a server-only audit log and SHA-256 hashes on every XML, acknowledgment and 10-year export.
BEFORE & AFTER
Manual spreadsheets vs. PLDUnity in your industry
Why reporting entities replace disconnected folders and generic tools with a purpose-built LFPIORPI platform.
| Compliance dimension | Spreadsheets & disconnected tools | With PLDUnity® in your industry |
|---|---|---|
| 6-month UMA aggregation & thresholds | Corporate client files scattered across partner folders and emails, without updated Beneficial Owner records or periodic SAT 69-B and PEP screening. | Centralized KYC Vault with document expiry tracking, ownership structure records and per-client or batch screening of your entire client base. |
| Client KYC & watchlist screening | Firms that also manage AML filings for multiple clients spending days assembling XMLs and acknowledgments across separate spreadsheets. | Multi-tenant Enterprise architecture: manage both your firm's own Section XI compliance and multiple client companies with strict data isolation. |
| Monthly SAT XML preparation | Manual XML capture prone to schema errors, malformed RFCs/CURPs and last-minute rejections on the 17th. | Pre-validated against the official SAT XSD schema for your activity, plus one-click nil reports and linked acknowledgments. |
| 2027 Risk-Based Assessment (EBR) | Static Word document without individual client risk recalculation or historical audit trail. | Four-factor EBR engine with capped mitigants that recalculates every client's risk grade on the 2nd of each month. |
| SAT / UIF inspection readiness | Weeks spent gathering scattered PDFs, emails and acknowledgments across former employees' computers. | One-click audit package with server-written logs, SHA-256 integrity hashes and expiring read-only access for external auditors. |
ALL-IN-ONE PLATFORM
All 8 platform modules working together for Professional services
Your subscription includes the complete AML compliance suite—no hidden add-ons per module.
Transaction Upload (Excel, AI & API)
Validate every record against SAT catalogs with idempotency and 6-month accumulation.
UMA Threshold Monitoring
Automatic tracking of identification, reporting and Art. 32 cash caps in current UMA.
Digital Customer Files & Remote KYC
Remote link or QR with AI document reading (OCR), AI-assisted face match, and liveness test.
7-Source Watchlist Screening
UN, OFAC (SDN & consolidated), UK (OFSI), FBI, SAT 69-B, Non-Located & PEP queried per client, in batches, or manually.
2027 Risk-Based Assessment (EBR)
Four-factor risk methodology and per-client risk grade recalculated every month.
24-Hour Unusual Transactions
Automated case clock, red-flag analysis and documented Compliance Officer decisions.
SAT XML Generator (19 XSDs)
Pre-validated XML for your exact Article 17 fraction, one-click nil reports and acknowledgments.
10-Year SHA-256 Audit & Training
Immutable server log, 16-obligation self-assessment, AML courses and portable audit packages.
REGULATORY & OPERATIONAL GUIDE
Compliance Guidelines for Professional services
Essential LFPIORPI obligations, identification criteria, and supervisory rules applicable to this activity.
When Section XI applies to law, accounting and corporate advisory firms
Independent professional services (Article 17, Section XI) are not governed by a UMA amount threshold, but by the nature of the mandate: acting in the name and on behalf of a client in real estate transfers, managing money, securities or bank accounts, organizing capital contributions, or incorporating, merging, splitting or managing legal entities and corporate vehicles.
Across these five scenarios, client and Beneficial Owner identification always applies, and an XML report must be filed with the SAT whenever the professional or firm carries out a financial transaction related to those acts on the client's behalf.
One platform for your firm's compliance and for serving your clients
PLDUnity was built by BDUnity®, an AML consultancy active since 2012. We designed the platform so professional firms can keep their own Section XI obligations spotless while managing XML filings, watchlist screening and EBR risk matrices for the reporting entities they advise.
FREQUENTLY ASKED QUESTIONS
Frequently asked questions
Does pure legal or tax advice without handling funds or executing transactions require a report?
When a firm prepares any of the five Section XI acts for a client, it must assemble the identification file; the SAT XML report is triggered when the firm executes a related financial transaction in the name and on behalf of the client.
Can our firm use PLDUnity to manage AML compliance for several client companies?
Yes. The Enterprise plan is built for corporate groups and advisory firms: it includes up to 5 legal entities, each with isolated users, client files, thresholds and XML reports.
How do we document Beneficial Owners in multi-layered corporate structures?
The KYC Vault records ownership and control chains, attaches the required Annex documentation and runs per-client and batch watchlist screening on every individual identified as a Beneficial Owner.
What do we file in months when the firm executed no financial transactions on behalf of clients?
File a one-click nil report before the 17th and link the official SAT acknowledgment to that period.
Which specific engagements fall under Section XI for independent Professional Services?
Section XI applies when an independent advisor prepares for or executes on behalf of a client any of five acts: (1) buying or selling real estate, (2) managing funds, securities, or assets, (3) managing bank or investment accounts, (4) organizing capital contributions to form, operate, or manage corporations, or (5) incorporating, splitting, merging, operating, or managing legal entities or corporate vehicles (including trusts and M&A).
What are the identification and XML notice thresholds under Section XI?
Full KYC and 25% Beneficial Owner identification is mandatory for EVERY engagement falling under Section XI regardless of amount. A monthly XML notice is required whenever the professional executes a financial transaction on behalf of the client in connection with those acts.
How does PLDUnity safeguard client privilege and segregate multiple corporate clients?
Every dossier is protected by Role-Based Access Control, AES-256 encryption, SHA-256 integrity hashing, and an immutable audit log. If your firm also manages AML compliance for client entities, each RFC runs in a strictly segregated multi-tenant workspace.
30-DAY FREE TRIAL · NO CREDIT CARD
Ready to automate AML compliance for Professional services?
Start your 30-day free trial with your own transactions or schedule a 30-minute walkthrough with BDUnity's compliance specialists.