🇧🇷Brazil

Multas de Até R$20 Milhões por Violação de Conformidade AML/KYC

2 verified sources

Definition

Non-compliance with AML/KYC and SAR filing requirements mandated for financial institutions results in penalties up to R$20 million, suspension of services, and restrictions on payment methods including Pix and TED. Institutions must publish monthly compliance reports and maintain updated databases of illegal operators.

Key Findings

  • Financial Impact: R$20,000,000 maximum fine per violation; service suspension (100% revenue loss from gaming transactions); payment method restrictions
  • Frequency: Per violation event; cumulative for repeated failures
  • Root Cause: Inadequate AML/KYC protocols; failure to file mandatory SARs with COAF; lack of automated transaction screening; incomplete operator identity verification

Why This Matters

The Pitch: Payment processors and financial institutions supporting gambling operators in Brasil face R$20 million fines for inadequate AML monitoring. Automated transaction screening and SAR filing eliminates regulatory exposure.

Affected Stakeholders

AML Compliance Officer, SAR Analyst, Payment Operations Manager, Internal Audit, KYC Manager

Deep Analysis (Premium)

Financial Impact

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

Suspensão de Métodos de Pagamento (Pix, TED) por Não-Conformidade com Protocolos de Risco

100% loss of Pix/TED transaction processing (operational shutdown); estimated R$500,000-R$5,000,000 monthly transaction volume loss for mid-sized operators

Custo Operacional de Conformidade com Regulamentação de Apostas Online (Circa R$3-6 Milhões Anuais)

R$7,200,000 annual license amortization + R$1,000,000-R$3,000,000 compliance staff costs = R$8.2-10.2 million annual compliance burden

Multas por Falha de Conformidade em Relatório de Transações Cambiais (CTR) - Setor de Jogos

LOGIC-based estimate: Regulatory penalties typically range from R$ 500,000 to R$ 5,000,000+ for significant CTR/AML non-compliance in Brazil's financial sector. Manual CTR processing: estimated 40-80 hours/month per operator. At Brazilian labor costs (~R$ 150-250/hour for compliance personnel), this equates to R$ 6,000-20,000/month or R$ 72,000-240,000 annually per operator.

Atrasos de Processamento em Verificação de Transações e Conformidade Cambial

LOGIC-based estimate: 2-5 day processing delay per customer withdrawal × average R$ 2,000-5,000 per transaction = estimated customer churn of 5-10% due to slow payouts. For mid-sized operator with 1,000 weekly withdrawals: R$ 10M-50M annual revenue impact from delayed cash-to-customer cycles.

Multas por Não Conformidade Tributária em Cálculo do GGR

LOGIC-estimated: R$ 50,000–R$ 500,000 per operator annually in audit defense, rework of miscalculated GGR filings, and potential penalties of 75% of unpaid tax (Decreto 7574/2011, Art. 11). High-volume operators (>R$ 50M annual GGR) face compounded exposure.

Vazamento de Receita por Erro em Base de Cálculo do GGR

LOGIC-estimated: R$ 10M–R$ 100M annually for large operators (>R$ 500M GGR). Typical audit adjustment: 2–5% of annual GGR = R$ 10M–R$ 50M additional tax + 75% penalty (Decreto 7.574/2011) = R$ 7.5M–R$ 37.5M incremental liability. SME operators: R$ 100k–R$ 1M per audit cycle.

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