Dinheiro limpo no mundo digital: o papel das novas tecnologias e compliance

Abstract

This study provides an in-depth analysis of money laundering, an illicit practice that mobilizes large amounts of financial resources and has significant implications on the global economic scenario. Law nº 9.613/98, which addresses money laundering crimes in Brazil, is analyzed in its penal procedural aspects, elucidating procedures for denunciation, investigation, arrest orders, and measures such as asset seizure and confiscation. The role of Compliance as a preventive tool against these illicit practices is highlighted, emphasizing its importance and historical evolution, as well as its practical operation within financial institutions. The main regulators of the Brazilian financial market, such as CVM, ANBIMA, BACEN and COAF, are presented in their role as promoters of money laundering prevention and combat practices, demonstrating the relevance of their regulations and interventions through real cases. Finally, the paper explores the impact of new technologies, such as Artificial Intelligence and Machine Learning, in detecting suspicious activities and improving money laundering prevention strategies. The critical analysis of these tools highlights how indispensable they have become in the current scenario, while also examining the challenges and future possibilities