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CREAR NUEVO EVENTO","done":true,"note":"<p><img style=\"max-width: 100%;\" alt=\"image.png\" /></p>\n<p>&nbsp;</p>","flag":null,"attachments":[]},{"text":"GUARDAR A TIREMPO REAL / VISUAIZAR LOS DATOS AGREGADOS A TIEMPO REAL","done":true,"note":"","flag":null,"attachments":[]},{"text":"HORARIO DES ESTUDIO","done":true,"note":"<p><img style=\"max-width: 100%;\" src=\"https://3tmi.pe/portafolio/notexprov2/uploads/notas/21_18/20250820_164358_3c9662.png\" alt=\"image.png\" /></p>\n<p>&nbsp;</p>","flag":"urgent","attachments":[]},{"text":"ACTIVIDADES","done":true,"note":"<ul class=\"todo-list\">\n<li data-checked=\"false\"><span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span>VACACIONES:</li>\n<li data-checked=\"false\"><span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span>ddadasdada</li>\n<li data-checked=\"false\"><span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span>COMO VACACIONES PENDIENTESd&nbsp; (CALCULAR)a</li>\n<li data-checked=\"true\"><span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span>TAMA&Ntilde;O DE FUENTE&lt;</li>\n<li data-checked=\"true\"><span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span>en la vista previa se puede editar como wor</li>\n<li data-checked=\"true\"><span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span>que se ,antenga el barra del tiny edicion</li>\n<li data-checked=\"false\"><span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span>desde mi caendario compartir tareas a usuario gfghfgh</li>\n<li data-checked=\"false\"><span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span>DSADSADSAfdfdfdfd aasdasdadsa&nbsp; &nbsp;</li>\n</ul>\n<p>22222</p>\n<p><img style=\"max-width: 100%;\" src=\"https://3tmi.pe/portafolio/notexprov2/uploads/notas/21_30/20250908_161603_9b683f.png\" alt=\"image.png\"></p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>","flag":"urgent","attachments":[]},{"text":"agenda","done":true,"note":"<p>icono&nbsp;<br>calendario --&gt; mi agendario&nbsp;</p>\n<p>mis notas&nbsp;</p>","flag":null,"attachments":[]},{"text":"HOLDING","done":true,"note":"<p>titulo cuadro utilidades 2025&nbsp;</p>\n<p>empresas / mes Enero - Dciembre / montos&nbsp; / total sumatoria&nbsp;&nbsp;</p>\n<p>scroll</p>\n<p>&nbsp;nota inferior&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>","flag":null,"attachments":[]},{"text":"dias festivios","done":true,"note":"<p>business desde hoy hasta 1 ernero</p>\n<p>AHORA SOLO OCTUBRE VIDEO / IMAGEN</p>","flag":null,"attachments":[]},{"text":"WHATSAPP API","done":true,"note":"<ul class=\"todo-list\">\n<li data-checked=\"false\">MANUAL FUNCIONES DE PUBLICIDAD (FOTO COTIZACION 1 SEMANA ANTES)<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">SUBIR A ESTADO LA MISMA FOTO POR TODA LASEMANA<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">VIDEOS 15 SEG O UNA IMAGEN<span class=\"cb\" contenteditable=\"false\" 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PPT - Capacitacion","done":false,"note":"","flag":null,"attachments":[]},{"text":"PROYECTOS COMPRAS LIMPIEZA, ALIMENTOS,","done":false,"note":"<p>FACTURA COMPRAS LIMPIEZA</p>\n<ol>\n<li>Solicitar a brenda la ultima factura44444HHH</li>\n</ol>","flag":null,"attachments":[]},{"text":"Realizar un plan para videos (datos, documentos para pedir al cliente.)","done":false,"note":"<ul>\n<li>PARA QUE LE SERVIRI SU COMPROBANTE, LAVADO</li>\n<li>SEGURIDAD / CASA DE CAMBIO PRESENCIAL TRATO DIRECTO / CASA DE CAMBIO VITRUAL NO SABES CON QUIEN TRATA&nbsp;</li>\n</ul>","flag":null,"attachments":[]},{"text":"CALENDARIO 2026","done":false,"note":"<ol>\n<li style=\"color: rgb(234, 67, 53);\"><span style=\"color: rgb(234, 67, 53);\">Editar</span></li>\n<li>Cotizar</li>\n<li>Dominio</li>\n<li>Agregar tel&eacute;fonos y datos</li>\n<li>Separar calendario para clientes que realicen operaciones fuertes (WHASAPP API)</li>\n</ol>","flag":"urgent","attachments":[]},{"text":"ACCESO REDES SOCIALES 3TMi","done":false,"note":"<table class=\"table table-sm table-bordered\" style=\"width: 100%; height: 111.953px;\" border=\"0\"><colgroup><col style=\"width: 25.0234%;\"><col style=\"width: 25.0234%;\"><col style=\"width: 50.0469%;\"></colgroup>\n<tbody>\n<tr style=\"height: 22.3906px;\">\n<td style=\"height: 22.3906px;\">3TMi</td>\n<td style=\"height: 22.3906px;\">&nbsp;</td>\n<td style=\"height: 22.3906px;\">&nbsp;</td>\n</tr>\n<tr style=\"height: 22.3906px;\">\n<td style=\"height: 22.3906px;\">GMAIL.</td>\n<td style=\"height: 22.3906px;\">3tmioficial@gmail.com</td>\n<td style=\"height: 22.3906px;\">3tmiOficial2025@</td>\n</tr>\n<tr style=\"height: 22.3906px;\">\n<td style=\"height: 22.3906px;\">FACEBOOK</td>\n<td style=\"height: 22.3906px;\">3tmioficial@gmail.com</td>\n<td style=\"height: 22.3906px;\">Tecnologica2025@3TMi</td>\n</tr>\n<tr style=\"height: 22.3906px;\">\n<td style=\"height: 22.3906px;\">INSTAGRAM</td>\n<td style=\"height: 22.3906px;\">3tmioficial</td>\n<td style=\"height: 22.3906px;\">Tecnologica2025@3TMi</td>\n</tr>\n<tr style=\"height: 22.3906px;\">\n<td style=\"height: 22.3906px;\">TIKTOK</td>\n<td style=\"height: 22.3906px;\">3tmioficial<br>tecnologicass23@gmail.com</td>\n<td style=\"height: 22.3906px;\">soluciones2023@</td>\n</tr>\n</tbody>\n</table>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>JKJ&Ntilde;LKDSFFDSF</p>\n<p>SDFDSFSDFKSDNF&Ntilde;KASN&Ntilde;SFA}SAFNJASFSANBFSAF</p>\n<p>SFNAJFNASFKINJASFLIKASNFASF</p>\n<p>SFJASBNFIKSABFKL&Ntilde;SAFJNBAS&Ntilde;N&Ntilde;LKSFAS</p>\n<p>ASFKNJNASKLNSAKFNASIPFHNSPAOIHNJANSF</p>\n<p>LKN&Ntilde;KLNKSAFNAFS</p>\n<p>ASFSKJFNBASJKFNSAFKJNASF</p>\n<p>JSMNKNJASKFNSAKASF</p>\n<p>ANFKSADJSADLSA</p>\n<p>MNSLKDNAS&Ntilde;DLKSDAS</p>\n<p>KNFS&Ntilde;LKNJDSA&Ntilde;DLKNJSA&Ntilde;DLKNSAD</p>\n<p>LKNASF&Ntilde;AKS&Ntilde;LNKSAFAS</p>\n<p>A.,SFMNA&Ntilde;SKFNAS&Ntilde;FNAS&Ntilde;FLNAS</p>\n<p>&acute;LJASFKLJNAS&Ntilde;FNLASF</p>\n<p>KLNASF&Ntilde;OPASNF&Ntilde;ASFN&Ntilde;ASJKNAS</p>\n<p>KLNJSF&Ntilde;LKANSF&Ntilde;KLJNAS</p>\n<p>KANFKSAJN&Ntilde;KOJSAF</p>\n<p>LKJANS&Ntilde;ASF&Ntilde;ALFAFS</p>\n<p>OJKASFKJSAKJASF</p>\n<p>KA 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BD (9.75 x 6.65 cm) (9.5 x 7.1 cm) (4).png","url":"https://drive.google.com/file/d/1-alsG7_k8Yitu1jEXuhyh_oqjnv-Bn0j/view?usp=drivesdk","view_url":"https://drive.google.com/file/d/1-alsG7_k8Yitu1jEXuhyh_oqjnv-Bn0j/view?usp=drivesdk","download_url":"https://drive.google.com/uc?id=1-alsG7_k8Yitu1jEXuhyh_oqjnv-Bn0j&export=download","edit_url":"https://drive.google.com/file/d/1-alsG7_k8Yitu1jEXuhyh_oqjnv-Bn0j/view","size":121929,"mime":"image/png","drive_id":"1-alsG7_k8Yitu1jEXuhyh_oqjnv-Bn0j"}]},{"text":"OFICIAL DE CUMPLIMIENTO - SBS","done":false,"flag":null,"alarm":null,"note":"<table class=\"table table-sm table-bordered\" style=\"width: 100%;\" border=\"0\"><colgroup><col style=\"width: 20.2437%;\"><col style=\"width: 34.7704%;\"><col style=\"width: 16.4948%;\"><col style=\"width: 13.3083%;\"><col style=\"width: 7.77882%;\"><col style=\"width: 7.40394%;\"></colgroup>\n<tbody>\n<tr>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n<p><span style=\"font-size: 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data-end=\"1140\">\n<p data-start=\"1036\" data-end=\"1140\">Qu&eacute; leyes rigen el cumplimiento contra el <strong data-start=\"1078\" data-end=\"1139\">lavado de activos y financiamiento del terrorismo (LA/FT)</strong>.</p>\n</li>\n<li data-start=\"1141\" data-end=\"1232\">\n<p data-start=\"1143\" data-end=\"1232\">Diferencias entre las funciones del <strong data-start=\"1179\" data-end=\"1198\">Gerente General</strong> y el <strong data-start=\"1204\" data-end=\"1231\">Oficial de Cumplimiento</strong>.</p>\n</li>\n</ul>\n<p data-start=\"1234\" data-end=\"1401\">✅ <strong data-start=\"1236\" data-end=\"1252\">En pr&aacute;ctica:</strong> El gerente no hace los reportes de operaciones sospechosas, pero debe <strong data-start=\"1323\" data-end=\"1400\">asegurar que el Oficial de Cumplimiento pueda hacer su trabajo libremente</strong>.</p>\n<p>&nbsp;</p>\n</td>\n<td>\n<ul class=\"todo-list\">\n<li data-checked=\"false\">1<br><span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">2<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">3<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">4<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">5<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">6<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n</ul>\n<p>&nbsp;</p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-size: 12pt;\"><strong>2. 🧾<strong data-start=\"1417\" data-end=\"1470\">Gobierno corporativo y roles dentro de la empresa</strong></strong></span></p>\n</td>\n<td>\n<p data-start=\"1471\" data-end=\"1489\"><strong data-start=\"1471\" data-end=\"1489\">Aprender:</strong></p>\n<ul data-start=\"1490\" data-end=\"1772\">\n<li data-start=\"1490\" data-end=\"1546\">\n<p data-start=\"1492\" data-end=\"1546\">Qu&eacute; es una Junta de Accionistas y qu&eacute; decisiones toma.</p>\n</li>\n<li data-start=\"1547\" data-end=\"1609\">\n<p data-start=\"1549\" data-end=\"1609\">Qu&eacute; son los <strong data-start=\"1561\" data-end=\"1583\">estatutos sociales</strong> y c&oacute;mo se deben respetar.</p>\n</li>\n<li data-start=\"1610\" data-end=\"1686\">\n<p data-start=\"1612\" data-end=\"1686\">Cu&aacute;les son sus <strong data-start=\"1627\" data-end=\"1685\">facultades como representante legal inscrito en SUNARP</strong>.</p>\n</li>\n<li data-start=\"1687\" data-end=\"1772\">\n<p data-start=\"1689\" data-end=\"1772\">Cu&aacute;les son sus <strong data-start=\"1704\" data-end=\"1715\">l&iacute;mites</strong> (por ejemplo, no puede interferir en reportes a la UIF).</p>\n</li>\n</ul>\n<p data-start=\"1774\" data-end=\"1937\">✅ <strong data-start=\"1776\" data-end=\"1792\">En pr&aacute;ctica:</strong> Debe aprender a <strong data-start=\"1809\" data-end=\"1842\">tomar decisiones estrat&eacute;gicas</strong>, firmar contratos, dirigir personal, pero sin violar la autonom&iacute;a del Oficial de Cumplimiento.</p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<h3 style=\"text-align: center;\" data-start=\"1944\" data-end=\"2016\"><span style=\"font-size: 12pt;\">3. 💻<strong data-start=\"1953\" data-end=\"2016\">Gesti&oacute;n operativa y comercial en una casa de cambio virtual</strong></span></h3>\n<p data-start=\"2017\" data-end=\"2034\">&nbsp;</p>\n</td>\n<td>\n<p data-start=\"2017\" data-end=\"2034\"><strong data-start=\"2017\" data-end=\"2034\">Dominar:</strong></p>\n<ul data-start=\"2035\" data-end=\"2355\">\n<li data-start=\"2035\" data-end=\"2109\">\n<p data-start=\"2037\" data-end=\"2109\">C&oacute;mo funciona la plataforma virtual: flujo de compra y venta de divisas.</p>\n</li>\n<li data-start=\"2110\" data-end=\"2196\">\n<p data-start=\"2112\" data-end=\"2196\">C&oacute;mo se atiende a un cliente virtual: validaci&oacute;n, cotizaci&oacute;n, transferencia, cierre.</p>\n</li>\n<li data-start=\"2197\" data-end=\"2270\">\n<p data-start=\"2199\" data-end=\"2270\">Control del sistema interno (plataforma, CRM, cuentas bancarias, etc.).</p>\n</li>\n<li data-start=\"2271\" data-end=\"2355\">\n<p data-start=\"2273\" data-end=\"2355\">Conocimiento general de los canales digitales: WhatsApp, correo, formularios, etc.</p>\n</li>\n</ul>\n<p data-start=\"2357\" data-end=\"2514\">✅ <strong data-start=\"2359\" data-end=\"2375\">En pr&aacute;ctica:</strong> No es necesario que sea t&eacute;cnico, pero s&iacute; debe <strong data-start=\"2422\" data-end=\"2477\">entender c&oacute;mo se realizan las operaciones digitales</strong> y qui&eacute;n hace qu&eacute; dentro del sistema</p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">&nbsp;4. 🧑&zwj;🤝&zwj;🧑<strong data-start=\"2536\" data-end=\"2570\">Gesti&oacute;n del equipo y liderazgo</strong></p>\n</td>\n<td>&nbsp;\n<p data-start=\"2571\" data-end=\"2592\"><strong data-start=\"2571\" data-end=\"2592\">Desarrollar:</strong></p>\n<ul data-start=\"2593\" data-end=\"2835\">\n<li data-start=\"2593\" data-end=\"2644\">\n<p data-start=\"2595\" data-end=\"2644\">Habilidades para delegar funciones correctamente.</p>\n</li>\n<li data-start=\"2645\" data-end=\"2696\">\n<p data-start=\"2647\" data-end=\"2696\">Capacidad para evaluar el rendimiento del equipo.</p>\n</li>\n<li data-start=\"2697\" data-end=\"2778\">\n<p data-start=\"2699\" data-end=\"2778\">Conocimiento sobre contratos de trabajo, pagos, y normativas laborales b&aacute;sicas.</p>\n</li>\n<li data-start=\"2779\" data-end=\"2835\">\n<p data-start=\"2781\" data-end=\"2835\">Resoluci&oacute;n de conflictos y toma de decisiones r&aacute;pidas.</p>\n</li>\n</ul>\n<p data-start=\"2837\" data-end=\"2969\">✅ <strong data-start=\"2839\" data-end=\"2855\">En pr&aacute;ctica:</strong> Debe poder organizar turnos, evaluar desempe&ntilde;o y <strong data-start=\"2905\" data-end=\"2969\">tomar decisiones que afecten al negocio con responsabilidad.</strong></p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">5. 💼<strong data-start=\"2985\" data-end=\"3022\">Relaci&oacute;n con bancos y autoridade</strong></p>\n</td>\n<td>\n<p data-start=\"3023\" data-end=\"3048\"><strong data-start=\"3023\" data-end=\"3048\">Prepararse para:</strong></p>\n<ul data-start=\"3049\" data-end=\"3268\">\n<li data-start=\"3049\" data-end=\"3115\">\n<p data-start=\"3051\" data-end=\"3115\">Comunicarse con bancos comerciales (BBVA, BCP, Interbank, etc.).</p>\n</li>\n<li data-start=\"3116\" data-end=\"3183\">\n<p data-start=\"3118\" data-end=\"3183\">Responder a fiscalizaciones o requerimientos de SUNAT, SBS o UIF.</p>\n</li>\n<li data-start=\"3184\" data-end=\"3268\">\n<p data-start=\"3186\" data-end=\"3268\">Entender las condiciones para <strong data-start=\"3216\" data-end=\"3249\">ser una empresa bank-friendly</strong> y evitar bloqueos.</p>\n</li>\n</ul>\n<p data-start=\"3270\" data-end=\"3394\">✅ <strong data-start=\"3272\" data-end=\"3288\">En pr&aacute;ctica:</strong> Si hay observaciones o bloqueos, <strong data-start=\"3322\" data-end=\"3394\">es &eacute;l quien debe negociar o resolver ante las entidades financieras.</strong></p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">6. 📊<strong data-start=\"3410\" data-end=\"3465\">Control de indicadores y supervisi&oacute;n de operaciones</strong></p>\n</td>\n<td>\n<p data-start=\"3466\" data-end=\"3481\"><strong data-start=\"3466\" data-end=\"3481\">Poder:</strong></p>\n<ul data-start=\"3482\" data-end=\"3704\">\n<li data-start=\"3482\" data-end=\"3563\">\n<p data-start=\"3484\" data-end=\"3563\">Revisar reportes de operaciones diarias, cierres de caja, m&aacute;rgenes de ganancia.</p>\n</li>\n<li data-start=\"3564\" data-end=\"3620\">\n<p data-start=\"3566\" data-end=\"3620\">Detectar irregularidades operativas o administrativas.</p>\n</li>\n<li data-start=\"3621\" data-end=\"3704\">\n<p data-start=\"3623\" data-end=\"3704\">Pedir informes al &aacute;rea comercial, t&eacute;cnica, de atenci&oacute;n al cliente y contabilidad.</p>\n</li>\n</ul>\n<p data-start=\"3706\" data-end=\"3816\">✅ <strong data-start=\"3708\" data-end=\"3724\">En pr&aacute;ctica:</strong> No hace el trabajo detallado, pero debe <strong data-start=\"3765\" data-end=\"3815\">supervisar y tomar decisiones basadas en datos</strong>.</p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<p>7. 🔐<strong data-start=\"3832\" data-end=\"3874\">Gesti&oacute;n de riesgos y seguridad virtual</strong></p>\n</td>\n<td>\n<p data-start=\"3875\" data-end=\"3890\"><strong data-start=\"3875\" data-end=\"3890\">Saber:</strong></p>\n<ul data-start=\"3891\" data-end=\"4106\">\n<li data-start=\"3891\" data-end=\"3964\">\n<p data-start=\"3893\" data-end=\"3964\">Qu&eacute; hacer si hay hackeos, estafas virtuales o intentos de suplantaci&oacute;n.</p>\n</li>\n<li data-start=\"3965\" data-end=\"4047\">\n<p data-start=\"3967\" data-end=\"4047\">Qu&eacute; medidas de seguridad debe exigir (contrase&ntilde;as, backups, doble verificaci&oacute;n).</p>\n</li>\n<li data-start=\"4048\" data-end=\"4106\">\n<p data-start=\"4050\" data-end=\"4106\">Cu&aacute;ndo reportar incidentes y c&oacute;mo actuar en emergencias.</p>\n</li>\n</ul>\n<p data-start=\"4108\" data-end=\"4256\">✅ <strong data-start=\"4110\" data-end=\"4126\">En pr&aacute;ctica:</strong> Si ocurre un fraude o hackeo, debe <strong data-start=\"4162\" data-end=\"4256\">activar el plan de contingencia y coordinar con los t&eacute;cnicos y el Oficial de Cumplimiento.</strong></p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n</tbody>\n</table>"},{"text":"GERENTE GENERAL","done":false,"flag":null,"alarm":null,"note":"<p style=\"text-align: center;\"><span style=\"text-decoration: underline;\"><strong>GERENTE GENERAL</strong></span></p>\n<h3 data-start=\"426\" data-end=\"461\">🧭 Objetivo:</h3>\n<p data-start=\"462\" data-end=\"748\">Formar a una persona en los aspectos <strong data-start=\"499\" data-end=\"554\">legales, operativos, administrativos y estrat&eacute;gicos</strong> para que pueda ejercer adecuadamente el cargo de <strong data-start=\"604\" data-end=\"623\">Gerente General</strong>, <strong data-start=\"625\" data-end=\"678\">sin invadir funciones del Oficial de Cumplimiento</strong>, pero garantizando la integridad y cumplimiento de toda la operaci&oacute;n.</p>\n<ol>\n<li>Que se va hacer</li>\n<li>Quien lo va hacer</li>\n<li>Cuando Lo va hacer</li>\n</ol>\n<p><strong>Gerente General : </strong>Nayumi Vara A.</p>\n<p><strong data-start=\"33\" data-end=\"81\">Plan de Capacitacion paso a paso desde el D&iacute;a 1.</strong> Como Gerenciar&nbsp; una <strong data-start=\"91\" data-end=\"144\">casa de cambio 100% virtual,</strong> que a&uacute;n no inicien operaciones comerciales.</p>\n<table class=\"table table-sm table-bordered\" style=\"width: 100%;\" border=\"0\"><colgroup><col style=\"width: 20.2437%;\"><col style=\"width: 34.7704%;\"><col style=\"width: 16.4948%;\"><col style=\"width: 13.3083%;\"><col style=\"width: 7.77882%;\"><col style=\"width: 7.40394%;\"></colgroup>\n<tbody>\n<tr>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n<p><span style=\"font-size: 12pt;\"><strong>OBJETIVO</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n<p><span style=\"font-size: 12pt;\"><strong>QUE SE VA HACER</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n<p style=\"text-align: center;\"><span style=\"font-size: 12pt;\"><strong>QUIEN LO VA HACER</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n<p><span style=\"font-size: 12pt;\"><strong>OBSERVACIONES</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>CUANDO</strong></span></p>\n<p><span style=\"font-size: 12pt;\"><strong>SE</strong></span></p>\n<p><span style=\"font-size: 12pt;\"><strong>Inicio</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>VA</strong></span></p>\n<p><span style=\"font-size: 12pt;\"><strong>HACER</strong></span></p>\n<p><span style=\"font-size: 12pt;\"><strong>Final</strong></span></p>\n</td>\n</tr>\n<tr>\n<td>\n<p>&nbsp;</p>\n<p style=\"text-align: center;\">1. 📚<strong data-start=\"807\" data-end=\"860\">Marco legal b&aacute;sico y obligaciones frente a la SBS</strong></p>\n</td>\n<td>\n<p data-start=\"861\" data-end=\"878\"><strong data-start=\"861\" data-end=\"878\">Conocer:</strong></p>\n<ul data-start=\"879\" data-end=\"1232\">\n<li data-start=\"879\" data-end=\"923\">\n<p data-start=\"881\" data-end=\"923\">Qu&eacute; es una casa de cambio y su regulaci&oacute;n.</p>\n</li>\n<li data-start=\"924\" data-end=\"969\">\n<p data-start=\"926\" data-end=\"969\">Qu&eacute; es la <strong data-start=\"936\" data-end=\"968\">Resoluci&oacute;n SBS N.&ordm; 3274-2017</strong>.</p>\n</li>\n<li data-start=\"970\" data-end=\"1033\">\n<p data-start=\"972\" data-end=\"1033\">Qu&eacute; es el <strong data-start=\"982\" data-end=\"991\">REPOF</strong> y por qu&eacute; la empresa debe estar inscrita.</p>\n</li>\n<li data-start=\"1034\" data-end=\"1140\">\n<p data-start=\"1036\" data-end=\"1140\">Qu&eacute; leyes rigen el cumplimiento contra el <strong data-start=\"1078\" data-end=\"1139\">lavado de activos y financiamiento del terrorismo (LA/FT)</strong>.</p>\n</li>\n<li data-start=\"1141\" data-end=\"1232\">\n<p data-start=\"1143\" data-end=\"1232\">Diferencias entre las funciones del <strong data-start=\"1179\" data-end=\"1198\">Gerente General</strong> y el <strong data-start=\"1204\" data-end=\"1231\">Oficial de Cumplimiento</strong>.</p>\n</li>\n</ul>\n<p data-start=\"1234\" data-end=\"1401\">✅ <strong data-start=\"1236\" data-end=\"1252\">En pr&aacute;ctica:</strong> El gerente no hace los reportes de operaciones sospechosas, pero debe <strong data-start=\"1323\" data-end=\"1400\">asegurar que el Oficial de Cumplimiento pueda hacer su trabajo libremente</strong>.</p>\n<p>&nbsp;</p>\n</td>\n<td>\n<ul class=\"todo-list\">\n<li data-checked=\"false\">1<br><span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">2<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">3<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">4<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">5<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n<li data-checked=\"false\">6<span class=\"cb\" contenteditable=\"false\" data-mce-noneditable=\"1\"></span></li>\n</ul>\n<p>&nbsp;</p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-size: 12pt;\"><strong>2. 🧾<strong data-start=\"1417\" data-end=\"1470\">Gobierno corporativo y roles dentro de la empresa</strong></strong></span></p>\n</td>\n<td>\n<p data-start=\"1471\" data-end=\"1489\"><strong data-start=\"1471\" data-end=\"1489\">Aprender:</strong></p>\n<ul data-start=\"1490\" data-end=\"1772\">\n<li data-start=\"1490\" data-end=\"1546\">\n<p data-start=\"1492\" data-end=\"1546\">Qu&eacute; es una Junta de Accionistas y qu&eacute; decisiones toma.</p>\n</li>\n<li data-start=\"1547\" data-end=\"1609\">\n<p data-start=\"1549\" data-end=\"1609\">Qu&eacute; son los <strong data-start=\"1561\" data-end=\"1583\">estatutos sociales</strong> y c&oacute;mo se deben respetar.</p>\n</li>\n<li data-start=\"1610\" data-end=\"1686\">\n<p data-start=\"1612\" data-end=\"1686\">Cu&aacute;les son sus <strong data-start=\"1627\" data-end=\"1685\">facultades como representante legal inscrito en SUNARP</strong>.</p>\n</li>\n<li data-start=\"1687\" data-end=\"1772\">\n<p data-start=\"1689\" data-end=\"1772\">Cu&aacute;les son sus <strong data-start=\"1704\" data-end=\"1715\">l&iacute;mites</strong> (por ejemplo, no puede interferir en reportes a la UIF).</p>\n</li>\n</ul>\n<p data-start=\"1774\" data-end=\"1937\">✅ <strong data-start=\"1776\" data-end=\"1792\">En pr&aacute;ctica:</strong> Debe aprender a <strong data-start=\"1809\" data-end=\"1842\">tomar decisiones estrat&eacute;gicas</strong>, firmar contratos, dirigir personal, pero sin violar la autonom&iacute;a del Oficial de Cumplimiento.</p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<h3 style=\"text-align: center;\" data-start=\"1944\" data-end=\"2016\"><span style=\"font-size: 12pt;\">3. 💻<strong data-start=\"1953\" data-end=\"2016\">Gesti&oacute;n operativa y comercial en una casa de cambio virtual</strong></span></h3>\n<p data-start=\"2017\" data-end=\"2034\">&nbsp;</p>\n</td>\n<td>\n<p data-start=\"2017\" data-end=\"2034\"><strong data-start=\"2017\" data-end=\"2034\">Dominar:</strong></p>\n<ul data-start=\"2035\" data-end=\"2355\">\n<li data-start=\"2035\" data-end=\"2109\">\n<p data-start=\"2037\" data-end=\"2109\">C&oacute;mo funciona la plataforma virtual: flujo de compra y venta de divisas.</p>\n</li>\n<li data-start=\"2110\" data-end=\"2196\">\n<p data-start=\"2112\" data-end=\"2196\">C&oacute;mo se atiende a un cliente virtual: validaci&oacute;n, cotizaci&oacute;n, transferencia, cierre.</p>\n</li>\n<li data-start=\"2197\" data-end=\"2270\">\n<p data-start=\"2199\" data-end=\"2270\">Control del sistema interno (plataforma, CRM, cuentas bancarias, etc.).</p>\n</li>\n<li data-start=\"2271\" data-end=\"2355\">\n<p data-start=\"2273\" data-end=\"2355\">Conocimiento general de los canales digitales: WhatsApp, correo, formularios, etc.</p>\n</li>\n</ul>\n<p data-start=\"2357\" data-end=\"2514\">✅ <strong data-start=\"2359\" data-end=\"2375\">En pr&aacute;ctica:</strong> No es necesario que sea t&eacute;cnico, pero s&iacute; debe <strong data-start=\"2422\" data-end=\"2477\">entender c&oacute;mo se realizan las operaciones digitales</strong> y qui&eacute;n hace qu&eacute; dentro del sistema</p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">&nbsp;4. 🧑&zwj;🤝&zwj;🧑<strong data-start=\"2536\" data-end=\"2570\">Gesti&oacute;n del equipo y liderazgo</strong></p>\n</td>\n<td>&nbsp;\n<p data-start=\"2571\" data-end=\"2592\"><strong data-start=\"2571\" data-end=\"2592\">Desarrollar:</strong></p>\n<ul data-start=\"2593\" data-end=\"2835\">\n<li data-start=\"2593\" data-end=\"2644\">\n<p data-start=\"2595\" data-end=\"2644\">Habilidades para delegar funciones correctamente.</p>\n</li>\n<li data-start=\"2645\" data-end=\"2696\">\n<p data-start=\"2647\" data-end=\"2696\">Capacidad para evaluar el rendimiento del equipo.</p>\n</li>\n<li data-start=\"2697\" data-end=\"2778\">\n<p data-start=\"2699\" data-end=\"2778\">Conocimiento sobre contratos de trabajo, pagos, y normativas laborales b&aacute;sicas.</p>\n</li>\n<li data-start=\"2779\" data-end=\"2835\">\n<p data-start=\"2781\" data-end=\"2835\">Resoluci&oacute;n de conflictos y toma de decisiones r&aacute;pidas.</p>\n</li>\n</ul>\n<p data-start=\"2837\" data-end=\"2969\">✅ <strong data-start=\"2839\" data-end=\"2855\">En pr&aacute;ctica:</strong> Debe poder organizar turnos, evaluar desempe&ntilde;o y <strong data-start=\"2905\" data-end=\"2969\">tomar decisiones que afecten al negocio con responsabilidad.</strong></p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">5. 💼<strong data-start=\"2985\" data-end=\"3022\">Relaci&oacute;n con bancos y autoridade</strong></p>\n</td>\n<td>\n<p data-start=\"3023\" data-end=\"3048\"><strong data-start=\"3023\" data-end=\"3048\">Prepararse para:</strong></p>\n<ul data-start=\"3049\" data-end=\"3268\">\n<li data-start=\"3049\" data-end=\"3115\">\n<p data-start=\"3051\" data-end=\"3115\">Comunicarse con bancos comerciales (BBVA, BCP, Interbank, etc.).</p>\n</li>\n<li data-start=\"3116\" data-end=\"3183\">\n<p data-start=\"3118\" data-end=\"3183\">Responder a fiscalizaciones o requerimientos de SUNAT, SBS o UIF.</p>\n</li>\n<li data-start=\"3184\" data-end=\"3268\">\n<p data-start=\"3186\" data-end=\"3268\">Entender las condiciones para <strong data-start=\"3216\" data-end=\"3249\">ser una empresa bank-friendly</strong> y evitar bloqueos.</p>\n</li>\n</ul>\n<p data-start=\"3270\" data-end=\"3394\">✅ <strong data-start=\"3272\" data-end=\"3288\">En pr&aacute;ctica:</strong> Si hay observaciones o bloqueos, <strong data-start=\"3322\" data-end=\"3394\">es &eacute;l quien debe negociar o resolver ante las entidades financieras.</strong></p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">6. 📊<strong data-start=\"3410\" data-end=\"3465\">Control de indicadores y supervisi&oacute;n de operaciones</strong></p>\n</td>\n<td>\n<p data-start=\"3466\" data-end=\"3481\"><strong data-start=\"3466\" data-end=\"3481\">Poder:</strong></p>\n<ul data-start=\"3482\" data-end=\"3704\">\n<li data-start=\"3482\" data-end=\"3563\">\n<p data-start=\"3484\" data-end=\"3563\">Revisar reportes de operaciones diarias, cierres de caja, m&aacute;rgenes de ganancia.</p>\n</li>\n<li data-start=\"3564\" data-end=\"3620\">\n<p data-start=\"3566\" data-end=\"3620\">Detectar irregularidades operativas o administrativas.</p>\n</li>\n<li data-start=\"3621\" data-end=\"3704\">\n<p data-start=\"3623\" data-end=\"3704\">Pedir informes al &aacute;rea comercial, t&eacute;cnica, de atenci&oacute;n al cliente y contabilidad.</p>\n</li>\n</ul>\n<p data-start=\"3706\" data-end=\"3816\">✅ <strong data-start=\"3708\" data-end=\"3724\">En pr&aacute;ctica:</strong> No hace el trabajo detallado, pero debe <strong data-start=\"3765\" data-end=\"3815\">supervisar y tomar decisiones basadas en datos</strong>.</p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>\n<p>7. 🔐<strong data-start=\"3832\" data-end=\"3874\">Gesti&oacute;n de riesgos y seguridad virtual</strong></p>\n</td>\n<td>\n<p data-start=\"3875\" data-end=\"3890\"><strong data-start=\"3875\" data-end=\"3890\">Saber:</strong></p>\n<ul data-start=\"3891\" data-end=\"4106\">\n<li data-start=\"3891\" data-end=\"3964\">\n<p data-start=\"3893\" data-end=\"3964\">Qu&eacute; hacer si hay hackeos, estafas virtuales o intentos de suplantaci&oacute;n.</p>\n</li>\n<li data-start=\"3965\" data-end=\"4047\">\n<p data-start=\"3967\" data-end=\"4047\">Qu&eacute; medidas de seguridad debe exigir (contrase&ntilde;as, backups, doble verificaci&oacute;n).</p>\n</li>\n<li data-start=\"4048\" data-end=\"4106\">\n<p data-start=\"4050\" data-end=\"4106\">Cu&aacute;ndo reportar incidentes y c&oacute;mo actuar en emergencias.</p>\n</li>\n</ul>\n<p data-start=\"4108\" data-end=\"4256\">✅ <strong data-start=\"4110\" data-end=\"4126\">En pr&aacute;ctica:</strong> Si ocurre un fraude o hackeo, debe <strong data-start=\"4162\" data-end=\"4256\">activar el plan de contingencia y coordinar con los t&eacute;cnicos y el Oficial de Cumplimiento.</strong></p>\n</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n</tbody>\n</table>\n<p>&nbsp;</p>\n<h2 style=\"text-align: center;\" data-start=\"4263\" data-end=\"4308\"><span style=\"text-decoration: underline;\">📘 GLOSARIO SIMPLE PARA EL GERENTE GENERAL</span></h2>\n<div class=\"_tableContainer_1rjym_1\">\n<div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" style=\"width: 100%; height: 246.297px;\" data-start=\"4310\" data-end=\"5287\">\n<thead data-start=\"4310\" data-end=\"4344\">\n<tr style=\"height: 22.3906px;\" data-start=\"4310\" data-end=\"4344\">\n<th style=\"width: 28.1501%; height: 22.3906px;\" data-start=\"4310\" data-end=\"4320\" data-col-size=\"sm\">T&eacute;rmino</th>\n<th style=\"width: 70.3234%; height: 22.3906px;\" data-start=\"4320\" data-end=\"4344\" data-col-size=\"md\">Significado pr&aacute;ctico</th>\n</tr>\n</thead>\n<tbody data-start=\"4380\" data-end=\"5287\">\n<tr style=\"height: 22.3906px;\" data-start=\"4380\" data-end=\"4449\">\n<td style=\"width: 28.1501%; height: 22.3906px;\" data-start=\"4380\" data-end=\"4390\" data-col-size=\"sm\"><strong data-start=\"4382\" data-end=\"4389\">SBS</strong></td>\n<td style=\"width: 70.3234%; height: 22.3906px;\" data-start=\"4390\" data-end=\"4449\" data-col-size=\"md\">Entidad del Estado que supervisa a las casas de cambio.</td>\n</tr>\n<tr style=\"height: 22.3906px;\" data-start=\"4450\" data-end=\"4529\">\n<td style=\"width: 28.1501%; height: 22.3906px;\" data-start=\"4450\" data-end=\"4460\" data-col-size=\"sm\"><strong data-start=\"4452\" data-end=\"4459\">UIF</strong></td>\n<td style=\"width: 70.3234%; height: 22.3906px;\" data-start=\"4460\" data-end=\"4529\" data-col-size=\"md\">Unidad que investiga operaciones sospechosas de lavado de dinero.</td>\n</tr>\n<tr style=\"height: 22.3906px;\" data-start=\"4530\" data-end=\"4616\">\n<td style=\"width: 28.1501%; height: 22.3906px;\" data-start=\"4530\" data-end=\"4542\" data-col-size=\"sm\"><strong data-start=\"4532\" data-end=\"4541\">REPOF</strong></td>\n<td style=\"width: 70.3234%; height: 22.3906px;\" data-start=\"4542\" data-end=\"4616\" data-col-size=\"md\">Registro obligatorio para casas de cambio. Sin eso no se puede operar.</td>\n</tr>\n<tr style=\"height: 22.3906px;\" data-start=\"4617\" data-end=\"4689\">\n<td style=\"width: 28.1501%; height: 22.3906px;\" data-start=\"4617\" data-end=\"4630\" data-col-size=\"sm\"><strong data-start=\"4619\" data-end=\"4629\">SUNARP</strong></td>\n<td style=\"width: 70.3234%; height: 22.3906px;\" data-start=\"4630\" data-end=\"4689\" data-col-size=\"md\">Registro donde se inscriben los representantes legales.</td>\n</tr>\n<tr style=\"height: 22.3906px;\" data-start=\"4690\" data-end=\"4792\">\n<td style=\"width: 28.1501%; height: 22.3906px;\" data-start=\"4690\" data-end=\"4712\" data-col-size=\"sm\"><strong data-start=\"4692\" data-end=\"4711\">Gerente General</strong></td>\n<td style=\"width: 70.3234%; height: 22.3906px;\" data-start=\"4712\" data-end=\"4792\" data-col-size=\"md\">Persona que dirige todo el negocio, toma decisiones y representa legalmente.</td>\n</tr>\n<tr style=\"height: 22.3906px;\" data-start=\"4793\" data-end=\"4902\">\n<td style=\"width: 28.1501%; height: 22.3906px;\" data-start=\"4793\" data-end=\"4823\" data-col-size=\"sm\"><strong data-start=\"4795\" data-end=\"4822\">Oficial de Cumplimiento</strong></td>\n<td style=\"width: 70.3234%; height: 22.3906px;\" data-start=\"4823\" data-end=\"4902\" data-col-size=\"md\">Persona que vigila que no se haga nada ilegal en la empresa (lavado, etc.).</td>\n</tr>\n<tr style=\"height: 22.3906px;\" data-start=\"4903\" data-end=\"4992\">\n<td style=\"width: 28.1501%; height: 22.3906px;\" data-start=\"4903\" data-end=\"4923\" data-col-size=\"sm\"><strong data-start=\"4905\" data-end=\"4922\">Bank-friendly</strong></td>\n<td style=\"width: 70.3234%; height: 22.3906px;\" data-start=\"4923\" data-end=\"4992\" data-col-size=\"md\">Empresa que cumple todo para que no le cierren cuentas bancarias.</td>\n</tr>\n<tr style=\"height: 22.3906px;\" data-start=\"4993\" data-end=\"5076\">\n<td style=\"width: 28.1501%; height: 22.3906px;\" data-start=\"4993\" data-end=\"5006\" data-col-size=\"sm\"><strong data-start=\"4995\" data-end=\"5005\">SPLAFT</strong></td>\n<td style=\"width: 70.3234%; height: 22.3906px;\" data-start=\"5006\" data-end=\"5076\" data-col-size=\"md\">Sistema obligatorio para prevenir lavado de activos en la empresa.</td>\n</tr>\n<tr style=\"height: 22.3906px;\" data-start=\"5077\" data-end=\"5181\">\n<td style=\"width: 28.1501%; height: 22.3906px;\" data-start=\"5077\" data-end=\"5110\" data-col-size=\"sm\"><strong data-start=\"5079\" data-end=\"5109\">Operaci&oacute;n sospechosa (ROS)</strong></td>\n<td style=\"width: 70.3234%; height: 22.3906px;\" data-start=\"5110\" data-end=\"5181\" data-col-size=\"md\">Algo raro que puede parecer lavado de dinero y se reporta a la UIF.</td>\n</tr>\n<tr style=\"height: 22.3906px;\" data-start=\"5182\" data-end=\"5287\">\n<td style=\"width: 28.1501%; height: 22.3906px;\" data-start=\"5182\" data-end=\"5210\" data-col-size=\"sm\"><strong data-start=\"5184\" data-end=\"5209\">Responsabilidad legal</strong></td>\n<td style=\"width: 70.3234%; height: 22.3906px;\" data-start=\"5210\" data-end=\"5287\" data-col-size=\"md\">Si el gerente no hace bien su trabajo, puede ser sancionado o denunciado.</td>\n</tr>\n</tbody>\n</table>\n</div>\n</div>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<table class=\"table table-sm table-bordered\" style=\"width: 100%;\" border=\"0\"><colgroup><col style=\"width: 50%;\"><col style=\"width: 50%;\"></colgroup>\n<tbody>\n<tr>\n<td>CAPACITACION</td>\n<td>&nbsp;</td>\n</tr>\n<tr>\n<td>&nbsp;</td>\n<td>&nbsp;</td>\n</tr>\n</tbody>\n</table>\n<p>EN CASO RECHAZE que sustentar:</p>\n<p><strong data-start=\"10\" data-end=\"52\">No hay ninguna ley peruana que proh&iacute;ba</strong> a una casa de cambio (o a sus socios al constituirla) <strong data-start=\"107\" data-end=\"139\">hacer el dep&oacute;sito de capital</strong> en un banco. Lo que la ley s&iacute; exige es que, <strong data-start=\"184\" data-end=\"260\">si declaras que el aporte en dinero est&aacute; pagado al momento de constituir</strong>, ese dinero <strong data-start=\"273\" data-end=\"316\">est&eacute; depositado a nombre de la sociedad</strong> en <strong data-start=\"320\" data-end=\"380\">una empresa bancaria o financiera del sistema financiero</strong> <strong data-start=\"381\" data-end=\"426\">al momento de firmar la escritura p&uacute;blica</strong>. Eso est&aacute; en el <strong data-start=\"443\" data-end=\"486\">art. 23 de la Ley General de Sociedades</strong>; no fija un banco concreto ni un plazo de inmovilizaci&oacute;n, s&oacute;lo pide que sea una <strong data-start=\"567\" data-end=\"601\">entidad del sistema financiero</strong>. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://diariooficial.elperuano.pe/Normas/obtenerDocumento?idNorma=15&amp;utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">diariooficial.elperuano.pe</span></span></span></a></span></span></p>\n<p data-start=\"642\" data-end=\"1149\">Entonces, &iquest;por qu&eacute; BBVA podr&iacute;a negarse?<br data-start=\"681\" data-end=\"684\">Porque los bancos aplican un <strong data-start=\"713\" data-end=\"750\">enfoque basado en riesgos (LA/FT)</strong> y tienen <strong data-start=\"760\" data-end=\"808\">pol&iacute;ticas internas de aceptaci&oacute;n de clientes</strong>; pueden decidir <strong data-start=\"825\" data-end=\"837\">no abrir</strong> o <strong data-start=\"840\" data-end=\"853\">no operar</strong> con ciertos giros (como MSB/casas de cambio) por su apetito de riesgo, aunque la actividad sea l&iacute;cita y registrada en SBS. La propia SBS exige a las entidades financieras <strong data-start=\"1025\" data-end=\"1058\">identificar y evaluar riesgos</strong> y definir controles, lo que habilita esas pol&iacute;ticas. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://www.sbs.gob.pe/boletin/detalleboletin/idbulletin/1154?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">SBS</span></span></span></a></span></span></p>\n<h3 data-start=\"1151\" data-end=\"1185\">Qu&eacute; puedes hacer (paso a paso)</h3>\n<ol data-start=\"1186\" data-end=\"2886\">\n<li data-start=\"1186\" data-end=\"1534\">\n<p data-start=\"1189\" data-end=\"1534\"><strong data-start=\"1189\" data-end=\"1206\">Cita la norma</strong>: lleva impreso el <strong data-start=\"1225\" data-end=\"1240\">art. 23 LGS</strong> y pide <strong data-start=\"1248\" data-end=\"1304\">&ldquo;cuenta para capital social de empresa en formaci&oacute;n&rdquo;</strong> (o certificado de dep&oacute;sito de capital). Recalca que <strong data-start=\"1357\" data-end=\"1394\">la exigencia legal es el dep&oacute;sito</strong> y que <strong data-start=\"1401\" data-end=\"1433\">a&uacute;n no iniciar&aacute;s operaciones</strong> hasta inscribirte en el <strong data-start=\"1458\" data-end=\"1474\">Registro SBS</strong> de casas de cambio. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://diariooficial.elperuano.pe/Normas/obtenerDocumento?idNorma=15&amp;utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">diariooficial.elperuano.pe</span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1</span></span></span></a></span></span></p>\n</li>\n<li data-start=\"1535\" data-end=\"2028\">\n<p data-start=\"1538\" data-end=\"1571\"><strong data-start=\"1538\" data-end=\"1569\">Ofrece mitigantes de riesgo</strong>:</p>\n<ul data-start=\"1575\" data-end=\"2028\">\n<li data-start=\"1575\" data-end=\"1741\">\n<p data-start=\"1577\" data-end=\"1741\"><strong data-start=\"1577\" data-end=\"1586\">Carta</strong> declarando que los fondos son <strong data-start=\"1617\" data-end=\"1638\">aporte de capital</strong> y que <strong data-start=\"1645\" data-end=\"1687\">no se realizar&aacute;n operaciones de cambio</strong> hasta contar con <strong data-start=\"1705\" data-end=\"1738\">constancia de inscripci&oacute;n SBS</strong>.</p>\n</li>\n<li data-start=\"1745\" data-end=\"2028\">\n<p data-start=\"1747\" data-end=\"2028\">Anexa <strong data-start=\"1753\" data-end=\"1763\">minuta</strong>, <strong data-start=\"1765\" data-end=\"1772\">DNI</strong> de socios, <strong data-start=\"1784\" data-end=\"1791\">RUC</strong> (si ya lo tienes), y <strong data-start=\"1813\" data-end=\"1825\">borrador</strong> del <strong data-start=\"1830\" data-end=\"1840\">SPLAFT</strong> (Manual/formatos KYC) para demostrar orden. (La pr&aacute;ctica oficial incluso sugiere llevar un &ldquo;comprobante/constancia de dep&oacute;sito&rdquo; para la escritura). <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://www.gob.pe/273-registro-o-constitucion-de-empresa-abono-de-capital-y-bienes?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">gob.pe</span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1</span></span></span></a></span></span></p>\n</li>\n</ul>\n</li>\n<li data-start=\"2029\" data-end=\"2303\">\n<p data-start=\"2032\" data-end=\"2303\"><strong data-start=\"2032\" data-end=\"2081\">Prueba en otra entidad del sistema financiero</strong>: la ley permite <strong data-start=\"2098\" data-end=\"2129\">bancos, financieras y cajas</strong> (municipales/rurales). Si un banco te rechaza por pol&iacute;tica de riesgo, tram&iacute;talo en <strong data-start=\"2213\" data-end=\"2229\">otra entidad</strong> y <strong data-start=\"2232\" data-end=\"2256\">obt&eacute;n el certificado</strong> igual. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://diariooficial.elperuano.pe/Normas/obtenerDocumento?idNorma=15&amp;utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">diariooficial.elperuano.pe</span></span></span></a></span></span></p>\n</li>\n<li data-start=\"2304\" data-end=\"2691\">\n<p data-start=\"2307\" data-end=\"2691\"><strong data-start=\"2307\" data-end=\"2356\">Pide la negativa por escrito y motiva el caso</strong>: solicita que el banco <strong data-start=\"2380\" data-end=\"2406\">fundamente la negativa</strong> (para su <strong data-start=\"2416\" data-end=\"2440\">Defensor del Cliente</strong>). Si persiste, registra queja en el <strong data-start=\"2477\" data-end=\"2503\">Libro de Reclamaciones</strong> del banco y, de ser necesario, eleva a <strong data-start=\"2543\" data-end=\"2572\">SBS (Atenci&oacute;n al Usuario)</strong> o <strong data-start=\"2575\" data-end=\"2587\">Indecopi</strong> por trato no justificado (no es lo usual si se trata de pol&iacute;tica de riesgo, pero te deja constancia).</p>\n</li>\n<li data-start=\"2692\" data-end=\"2886\">\n<p data-start=\"2695\" data-end=\"2886\"><strong data-start=\"2695\" data-end=\"2707\">Paralelo</strong>: avanza el <strong data-start=\"2719\" data-end=\"2749\">expediente de Registro SBS</strong> (Anexo 1 y anexos). Con la <strong data-start=\"2777\" data-end=\"2806\">constancia de inscripci&oacute;n</strong> en mano, muchos bancos bajan su objeci&oacute;n. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://www.sbs.gob.pe/Portals/0/jer/REG_PER_CAM_MON/ANEXO1.pdf?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">SBS</span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1</span></span></span></a></span></span></p>\n</li>\n</ol>\n<h3 data-start=\"2888\" data-end=\"2942\">Puntos clave para tu guion en ventanilla/comercial</h3>\n<ul data-start=\"2943\" data-end=\"3508\">\n<li data-start=\"2943\" data-end=\"3247\">\n<p data-start=\"2945\" data-end=\"3247\">&ldquo;<strong data-start=\"2946\" data-end=\"2966\">La LGS (art. 23)</strong> me exige acreditar <strong data-start=\"2986\" data-end=\"3010\">dep&oacute;sito del capital</strong> a nombre de <strong data-start=\"3023\" data-end=\"3046\">GRUPO BISNES S.A.C.</strong> para la <strong data-start=\"3055\" data-end=\"3068\">escritura</strong>. Todav&iacute;a <strong data-start=\"3078\" data-end=\"3092\">no operar&eacute;</strong> como casa de cambio; <strong data-start=\"3114\" data-end=\"3124\">reci&eacute;n</strong> estoy constituyendo y <strong data-start=\"3147\" data-end=\"3176\">tramitar&eacute; el Registro SBS</strong> antes de iniciar actividades.&rdquo; <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://diariooficial.elperuano.pe/Normas/obtenerDocumento?idNorma=15&amp;utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">diariooficial.elperuano.pe</span></span></span></a></span></span></p>\n</li>\n<li data-start=\"3248\" data-end=\"3359\">\n<p data-start=\"3250\" data-end=\"3359\">&ldquo;S&oacute;lo necesito la <strong data-start=\"3268\" data-end=\"3301\">cuenta/certificado de capital</strong> de <strong data-start=\"3305\" data-end=\"3329\">empresa en formaci&oacute;n</strong> (no una cuenta operativa).&rdquo;</p>\n</li>\n<li data-start=\"3360\" data-end=\"3508\">\n<p data-start=\"3362\" data-end=\"3508\">&ldquo;Adjunto <strong data-start=\"3371\" data-end=\"3381\">minuta</strong>, <strong data-start=\"3383\" data-end=\"3407\">documentos de socios</strong>, y <strong data-start=\"3411\" data-end=\"3420\">carta</strong> comprometi&eacute;ndome a <strong data-start=\"3440\" data-end=\"3477\">no realizar operaciones de cambio</strong> hasta la <strong data-start=\"3487\" data-end=\"3506\">inscripci&oacute;n SBS</strong>.&rdquo;</p>\n</li>\n</ul>\n<p data-start=\"3510\" data-end=\"3885\"><strong data-start=\"3510\" data-end=\"3522\">Resumen:</strong> No existe una norma que te <strong data-start=\"3550\" data-end=\"3561\">proh&iacute;ba</strong> depositar el capital por ser casa de cambio; el <strong data-start=\"3610\" data-end=\"3621\">rechazo</strong> suele ser <strong data-start=\"3632\" data-end=\"3664\">pol&iacute;tica de riesgo del banco</strong>. Cumple el <strong data-start=\"3676\" data-end=\"3691\">art. 23 LGS</strong> depositando en <strong data-start=\"3707\" data-end=\"3751\">cualquier entidad del sistema financiero</strong> (banco, financiera o caja) y, si un banco no acepta, usa <strong data-start=\"3809\" data-end=\"3825\">otra entidad</strong> y <strong data-start=\"3828\" data-end=\"3841\" data-is-only-node=\"\">documenta</strong> todo</p>"},{"text":"CONTADOR","done":false,"flag":null,"alarm":null,"note":"<p style=\"text-align: center;\"><span style=\"text-decoration: underline;\"><span style=\"font-size: 18pt;\">CONTADORA</span></span></p>\n<p><strong data-start=\"61\" data-end=\"74\">Objetivo:</strong> &ldquo;Garantizar que la empresa cumpla desde el primer d&iacute;a con todas las obligaciones contables, tributarias y regulatorias exigidas por SUNAT, SBS y la UIF, y asegurar una base financiera s&oacute;lida, ordenada y preparada para auditor&iacute;as, fiscalizaciones o integraciones bancarias.&rdquo;</p>\n<p data-start=\"864\" data-end=\"882\">En otras palabras:</p>\n<ul data-start=\"883\" data-end=\"1058\">\n<li data-start=\"883\" data-end=\"921\">\n<p data-start=\"885\" data-end=\"921\">Evita multas y errores formales.</p>\n</li>\n<li data-start=\"922\" data-end=\"959\">\n<p data-start=\"924\" data-end=\"959\">Facilita relaciones con bancos.</p>\n</li>\n<li data-start=\"960\" data-end=\"1009\">\n<p data-start=\"962\" data-end=\"1009\">Permite proyectar sostenibilidad y control.</p>\n</li>\n<li data-start=\"1010\" data-end=\"1058\">\n<p data-start=\"1012\" data-end=\"1058\">Asegura transparencia ante la SBS y SUNAT.</p>\n</li>\n</ul>\n<p><strong>Contadora:</strong> BRENDA B. M</p>\n<p>✅ FUNCIONES DEL CONTADOR (PRE-OPERACI&Oacute;N)</p>\n<table class=\"table table-sm table-bordered\" style=\"width: 100%;\" border=\"0\"><colgroup><col style=\"width: 20.2437%;\"><col style=\"width: 34.7704%;\"><col style=\"width: 16.4948%;\"><col style=\"width: 13.3083%;\"><col style=\"width: 7.77882%;\"><col style=\"width: 7.40394%;\"></colgroup>\n<tbody>\n<tr>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n<p><span style=\"font-size: 12pt;\"><strong>OBJETIVO</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n<p><span style=\"font-size: 12pt;\"><strong>QUE SE VA HACER</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n<p style=\"text-align: center;\"><span style=\"font-size: 12pt;\"><strong>QUIEN LO VA HACER</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n<p><span style=\"font-size: 12pt;\"><strong>OBSERVACIONES</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>CUANDO</strong></span></p>\n<p><span style=\"font-size: 12pt;\"><strong>SE</strong></span></p>\n<p><span style=\"font-size: 12pt;\"><strong>Inicio</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>VA</strong></span></p>\n<p><span style=\"font-size: 12pt;\"><strong>HACER</strong></span></p>\n<p><span style=\"font-size: 12pt;\"><strong>Final</strong></span></p>\n</td>\n</tr>\n<tr>\n<td style=\"text-align: center;\">\n<p><strong>Contables</strong></p>\n</td>\n<td style=\"text-align: center;\">\n<p style=\"text-align: justify;\">1- Dise&ntilde;ar el plan contable para actividades cambiarias<br>- Configurar libros contables obligatorios<br>- Implementar el sistema contable (software) con los bancos, monedas y tipo de cambio<br>- Establecer criterios de registro para m&aacute;rgenes de ganancia por operaci&oacute;n</p>\n</td>\n<td style=\"text-align: center;\">\n<ul class=\"todo-list\">\n<li style=\"text-align: left;\" data-checked=\"true\">1&nbsp;</li>\n</ul>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n</td>\n<td style=\"text-align: center;\">\n<ul class=\"todo-list\">\n<li style=\"text-align: left;\" data-checked=\"false\"><span style=\"font-size: 12pt;\"><strong>1 3811/2025&nbsp;</strong></span></li>\n</ul>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>&nbsp;</strong></span></p>\n</td>\n</tr>\n<tr>\n<td style=\"text-align: center;\">\n<p><strong>Tributarias</strong></p>\n</td>\n<td style=\"text-align: center;\">\n<p style=\"text-align: justify;\">- Verificar que el RUC est&eacute; correcto (CIIU 6612)<br>- Asesorar sobre el r&eacute;gimen tributario m&aacute;s conveniente (R&eacute;gimen General, MYPE)<br>- Gestionar autorizaci&oacute;n para emitir facturas y boletas electr&oacute;nicas<br>- Configurar el PLE para libros electr&oacute;nicos desde el inicio</p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>&nbsp;</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>&nbsp;</strong></span></p>\n</td>\n</tr>\n<tr>\n<td style=\"text-align: center;\">\n<p><strong>Financieras</strong></p>\n</td>\n<td style=\"text-align: center;\">\n<p style=\"text-align: justify;\">- Elaborar el flujo de caja inicial<br>- Estimar costos fijos (personal, servidores, cuentas bancarias, etc.)<br>- Calcular el punto de equilibrio del negocio<br>- Definir m&aacute;rgenes operativos sostenibles</p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>&nbsp;</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>&nbsp;</strong></span></p>\n</td>\n</tr>\n<tr>\n<td style=\"text-align: center;\">\n<p><strong>Administrativas y legales</strong></p>\n</td>\n<td style=\"text-align: center;\">\n<p style=\"text-align: justify;\">- Apoyar al gerente en la validaci&oacute;n de contratos, pagos y documentos<br>- Participar en la redacci&oacute;n de pol&iacute;ticas contables internas<br>- Coordinar la formalizaci&oacute;n de proveedores y trabajadores</p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>&nbsp;</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>&nbsp;</strong></span></p>\n</td>\n</tr>\n<tr>\n<td style=\"text-align: center;\">\n<p><strong>Operativas / digitales</strong></p>\n</td>\n<td style=\"text-align: center;\">\n<p style=\"text-align: justify;\">- Entender c&oacute;mo se registran las operaciones desde la plataforma virtual<br>- Validar integridad de la data entre el sistema de cambio y el sistema contable<br>- Proponer automatizaciones contables para evitar errores manuales</p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>&nbsp;</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>&nbsp;</strong></span></p>\n</td>\n</tr>\n<tr>\n<td style=\"text-align: center;\">\n<p><strong>De control y apoyo a cumplimiento</strong></p>\n</td>\n<td style=\"text-align: center;\">\n<p style=\"text-align: justify;\">- Proveer informaci&oacute;n financiera confiable al Oficial de Cumplimiento<br>- Detectar incoherencias contables que puedan alertar sobre lavado de activos o evasi&oacute;n<br>- Conservar soportes contables organizados ante posibles fiscalizaciones de la SBS o UIF</p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n</td>\n<td style=\"text-align: center;\">\n<p>&nbsp;</p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>&nbsp;</strong></span></p>\n</td>\n<td style=\"text-align: center;\">\n<p><span style=\"font-size: 12pt;\"><strong>&nbsp;</strong></span></p>\n</td>\n</tr>\n</tbody>\n</table>\n<p>&nbsp;</p>\n<p>✅ RESPONSABILIDADES DEL CONTADOR ANTES DE OPERAR</p>\n<ul>\n<li data-start=\"2837\" data-end=\"3008\">\n<p data-start=\"2840\" data-end=\"2917\"><strong data-start=\"2840\" data-end=\"2915\">Registrar correctamente todos los movimientos contables desde el inicio</strong></p>\n<blockquote data-start=\"2921\" data-end=\"3008\">\n<p data-start=\"2923\" data-end=\"3008\">Incluyendo aportes de capital, apertura de cuentas bancarias, compras, software, etc.</p>\n</blockquote>\n</li>\n<li data-start=\"3010\" data-end=\"3172\">\n<p data-start=\"3013\" data-end=\"3076\"><strong data-start=\"3013\" data-end=\"3074\">Cumplir con todas las obligaciones tributarias ante SUNAT</strong></p>\n<blockquote data-start=\"3080\" data-end=\"3172\">\n<p data-start=\"3082\" data-end=\"3172\">Alta en libros electr&oacute;nicos, emisi&oacute;n de comprobantes, declaraciones anticipadas si aplica.</p>\n</blockquote>\n</li>\n<li data-start=\"3174\" data-end=\"3318\">\n<p data-start=\"3177\" data-end=\"3226\"><strong data-start=\"3177\" data-end=\"3224\">Asegurar la trazabilidad y orden financiero</strong></p>\n<blockquote data-start=\"3230\" data-end=\"3318\">\n<p data-start=\"3232\" data-end=\"3318\">Cada operaci&oacute;n de cambio debe poder rastrearse desde el cliente hasta la contabilidad.</p>\n</blockquote>\n</li>\n<li data-start=\"3320\" data-end=\"3464\">\n<p data-start=\"3323\" data-end=\"3388\"><strong data-start=\"3323\" data-end=\"3386\">Preparar a la empresa para fiscalizaciones SBS, SUNAT y UIF</strong></p>\n<blockquote data-start=\"3392\" data-end=\"3464\">\n<p data-start=\"3394\" data-end=\"3464\">Tener archivados libros contables, contratos, reportes, balances, etc.</p>\n</blockquote>\n</li>\n<li data-start=\"3466\" data-end=\"3654\">\n<p data-start=\"3469\" data-end=\"3550\"><strong data-start=\"3469\" data-end=\"3548\">Velar por la transparencia financiera ante terceros (bancos, socios, SUNAT)</strong></p>\n<blockquote data-start=\"3554\" data-end=\"3654\">\n<p data-start=\"3556\" data-end=\"3654\">La contabilidad ser&aacute; el reflejo de lo que la empresa es. Si est&aacute; mal hecha, afectar&aacute; la confianza.</p>\n</blockquote>\n<p style=\"text-align: center;\" data-start=\"3556\" data-end=\"3654\">&nbsp;</p>\n</li>\n</ul>\n<h2 style=\"text-align: center;\" data-start=\"3661\" data-end=\"3696\">📘 GLOSARIO PARA ENTENDER SU ROL</h2>\n<div class=\"_tableContainer_1rjym_1\">\n<div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"3698\" data-end=\"4583\">\n<thead data-start=\"3698\" data-end=\"3731\">\n<tr data-start=\"3698\" data-end=\"3731\">\n<th data-start=\"3698\" data-end=\"3708\" data-col-size=\"sm\">T&eacute;rmino</th>\n<th data-start=\"3708\" data-end=\"3731\" data-col-size=\"md\">Definici&oacute;n pr&aacute;ctica</th>\n</tr>\n</thead>\n<tbody data-start=\"3766\" data-end=\"4583\">\n<tr data-start=\"3766\" data-end=\"3849\">\n<td data-start=\"3766\" data-end=\"3785\" data-col-size=\"sm\"><strong data-start=\"3768\" data-end=\"3784\">Contabilidad</strong></td>\n<td data-start=\"3785\" data-end=\"3849\" data-col-size=\"md\">Registro ordenado de todo lo que entra y sale en la empresa.</td>\n</tr>\n<tr data-start=\"3850\" data-end=\"3940\">\n<td data-start=\"3850\" data-end=\"3870\" data-col-size=\"sm\"><strong data-start=\"3852\" data-end=\"3869\">Plan contable</strong></td>\n<td data-col-size=\"md\" data-start=\"3870\" data-end=\"3940\">Gu&iacute;a de cuentas personalizadas para registrar bien cada operaci&oacute;n.</td>\n</tr>\n<tr data-start=\"3941\" data-end=\"4055\">\n<td data-start=\"3941\" data-end=\"3985\" data-col-size=\"sm\"><strong data-start=\"3943\" data-end=\"3984\">PLE (Programa de Libros Electr&oacute;nicos)</strong></td>\n<td data-col-size=\"md\" data-start=\"3985\" data-end=\"4055\">Sistema que SUNAT exige para llevar libros contables digitalmente.</td>\n</tr>\n<tr data-start=\"4056\" data-end=\"4138\">\n<td data-start=\"4056\" data-end=\"4072\" data-col-size=\"sm\"><strong data-start=\"4058\" data-end=\"4071\">CIIU 6612</strong></td>\n<td data-col-size=\"md\" data-start=\"4072\" data-end=\"4138\">C&oacute;digo de actividad econ&oacute;mica para casas de cambio ante SUNAT.</td>\n</tr>\n<tr data-start=\"4139\" data-end=\"4226\">\n<td data-start=\"4139\" data-end=\"4159\" data-col-size=\"sm\"><strong data-start=\"4141\" data-end=\"4158\">Flujo de caja</strong></td>\n<td data-col-size=\"md\" data-start=\"4159\" data-end=\"4226\">Dinero que se mueve en el negocio (ingresos y egresos diarios).</td>\n</tr>\n<tr data-start=\"4227\" data-end=\"4330\">\n<td data-start=\"4227\" data-end=\"4250\" data-col-size=\"sm\"><strong data-start=\"4229\" data-end=\"4249\">Margen cambiario</strong></td>\n<td data-col-size=\"md\" data-start=\"4250\" data-end=\"4330\">Ganancia que obtiene la casa de cambio por vender m&aacute;s caro de lo que compra.</td>\n</tr>\n<tr data-start=\"4331\" data-end=\"4411\">\n<td data-start=\"4331\" data-end=\"4343\" data-col-size=\"sm\"><strong data-start=\"4333\" data-end=\"4342\">SUNAT</strong></td>\n<td data-col-size=\"md\" data-start=\"4343\" data-end=\"4411\">Entidad que regula y fiscaliza el cumplimiento de los impuestos.</td>\n</tr>\n<tr data-start=\"4412\" data-end=\"4503\">\n<td data-start=\"4412\" data-end=\"4422\" data-col-size=\"sm\"><strong data-start=\"4414\" data-end=\"4421\">SBS</strong></td>\n<td data-start=\"4422\" data-end=\"4503\" data-col-size=\"md\">Entidad que supervisa a las empresas financieras (incluidas casas de cambio).</td>\n</tr>\n<tr data-start=\"4504\" data-end=\"4583\">\n<td data-start=\"4504\" data-end=\"4520\" data-col-size=\"sm\"><strong data-start=\"4506\" data-end=\"4519\">Auditor&iacute;a</strong></td>\n<td data-col-size=\"md\" data-start=\"4520\" data-end=\"4583\">Revisi&oacute;n formal que se hace para ver si todo est&aacute; en orden.</td>\n</tr>\n</tbody>\n</table>\n</div>\n</div>\n<p>&nbsp;</p>\n<p>&nbsp;</p>"},{"text":"ERP - PLANILLA","done":false,"note":"<p>Cuando alguien dice &ldquo;ERP &ndash; Planilla&rdquo;, normalmente se refiere al m&oacute;dulo de RR.HH. y n&oacute;mina dentro del ERP, donde se gestiona:</p>\n<ul>\n<li data-start=\"505\" data-end=\"597\">\n<p data-start=\"507\" data-end=\"597\"><strong data-start=\"507\" data-end=\"531\">Datos del trabajador</strong> (contratos, puesto, &aacute;rea, sueldo, cuentas bancarias, documentos).</p>\n</li>\n<li data-start=\"598\" data-end=\"653\">\n<p data-start=\"600\" data-end=\"653\"><strong data-start=\"600\" data-end=\"614\">Asistencia</strong> (marcaciones, tardanzas, horas extra).</p>\n</li>\n<li data-start=\"654\" data-end=\"716\">\n<p data-start=\"656\" data-end=\"716\"><strong data-start=\"656\" data-end=\"682\">Vacaciones y descansos</strong> (saldo, solicitud, aprobaciones).</p>\n</li>\n<li data-start=\"717\" data-end=\"770\">\n<p data-start=\"719\" data-end=\"770\"><strong data-start=\"719\" data-end=\"743\">Permisos / licencias</strong> (m&eacute;dicas, sin goce, etc.).</p>\n</li>\n<li data-start=\"771\" data-end=\"854\">\n<p data-start=\"773\" data-end=\"854\"><strong data-start=\"773\" data-end=\"796\">C&aacute;lculo de planilla</strong> (remuneraci&oacute;n, comisiones, bonos, descuentos, adelantos).</p>\n</li>\n<li data-start=\"855\" data-end=\"898\">\n<p data-start=\"857\" data-end=\"898\"><strong data-start=\"857\" data-end=\"876\">Boletas de pago</strong> (generaci&oacute;n y env&iacute;o).</p>\n</li>\n<li data-start=\"899\" data-end=\"964\">\n<p data-start=\"901\" data-end=\"964\"><strong data-start=\"901\" data-end=\"925\">Beneficios laborales</strong> (gratificaciones, CTS, liquidaciones).</p>\n</li>\n<li data-start=\"965\" data-end=\"1029\">\n<p data-start=\"967\" data-end=\"1029\"><strong data-start=\"967\" data-end=\"979\">Reportes</strong> (costos por &aacute;rea, horas extra, ausentismo, etc.)</p>\n</li>\n</ul>\n<p><span style=\"text-decoration: underline;\"><strong data-start=\"507\" data-end=\"531\">Datos del trabajador</strong></span></p>\n<h2 data-start=\"237\" data-end=\"272\">1) Identificaci&oacute;n del trabajador</h2>\n<ul data-start=\"273\" data-end=\"519\">\n<li data-start=\"273\" data-end=\"320\">\n<p data-start=\"275\" data-end=\"320\"><strong data-start=\"275\" data-end=\"296\">Tipo de documento</strong>: DNI / CE / Pasaporte</p>\n</li>\n<li data-start=\"321\" data-end=\"346\">\n<p data-start=\"323\" data-end=\"346\"><strong data-start=\"323\" data-end=\"346\">N&uacute;mero de documento</strong></p>\n</li>\n<li data-start=\"347\" data-end=\"360\">\n<p data-start=\"349\" data-end=\"360\"><strong data-start=\"349\" data-end=\"360\">Nombres</strong></p>\n</li>\n<li data-start=\"361\" data-end=\"376\">\n<p data-start=\"363\" data-end=\"376\"><strong data-start=\"363\" data-end=\"376\">Apellidos</strong></p>\n</li>\n<li data-start=\"377\" data-end=\"402\">\n<p data-start=\"379\" data-end=\"402\"><strong data-start=\"379\" data-end=\"402\">Fecha de nacimiento</strong></p>\n</li>\n<li data-start=\"403\" data-end=\"426\">\n<p data-start=\"405\" data-end=\"426\"><strong data-start=\"405\" data-end=\"413\">Sexo</strong> (si lo usas)</p>\n</li>\n<li data-start=\"427\" data-end=\"445\">\n<p data-start=\"429\" data-end=\"445\"><strong data-start=\"429\" data-end=\"445\">Nacionalidad</strong></p>\n</li>\n<li data-start=\"446\" data-end=\"475\">\n<p data-start=\"448\" data-end=\"475\"><strong data-start=\"448\" data-end=\"464\">Estado civil</strong> (opcional)</p>\n</li>\n<li data-start=\"476\" data-end=\"519\">\n<p data-start=\"478\" data-end=\"519\"><strong data-start=\"478\" data-end=\"486\">Foto</strong> (opcional, &uacute;til para credencial)</p>\n</li>\n</ul>\n<h2 data-start=\"521\" data-end=\"556\">2) Datos de contacto y domicilio</h2>\n<ul data-start=\"557\" data-end=\"729\">\n<li data-start=\"557\" data-end=\"580\">\n<p data-start=\"559\" data-end=\"580\"><strong data-start=\"559\" data-end=\"580\">Celular principal</strong></p>\n</li>\n<li data-start=\"581\" data-end=\"602\">\n<p data-start=\"583\" data-end=\"602\"><strong data-start=\"583\" data-end=\"602\">Correo personal</strong></p>\n</li>\n<li data-start=\"603\" data-end=\"618\">\n<p data-start=\"605\" data-end=\"618\"><strong data-start=\"605\" data-end=\"618\">Direcci&oacute;n</strong></p>\n</li>\n<li data-start=\"619\" data-end=\"660\">\n<p data-start=\"621\" data-end=\"660\"><strong data-start=\"621\" data-end=\"660\">Distrito / Provincia / Departamento</strong></p>\n</li>\n<li data-start=\"661\" data-end=\"729\">\n<p data-start=\"663\" data-end=\"690\"><strong data-start=\"663\" data-end=\"689\">Contacto de emergencia</strong>:</p>\n<ul data-start=\"693\" data-end=\"729\">\n<li data-start=\"693\" data-end=\"701\">\n<p data-start=\"695\" data-end=\"701\">Nombre</p>\n</li>\n<li data-start=\"704\" data-end=\"716\">\n<p data-start=\"706\" data-end=\"716\">Parentesco</p>\n</li>\n<li data-start=\"719\" data-end=\"729\">\n<p data-start=\"721\" data-end=\"729\">Tel&eacute;fono</p>\n</li>\n</ul>\n</li>\n</ul>\n<h2 data-start=\"731\" data-end=\"773\">3) Datos laborales dentro de la empresa</h2>\n<ul data-start=\"774\" data-end=\"1213\">\n<li data-start=\"774\" data-end=\"817\">\n<p data-start=\"776\" data-end=\"817\"><strong data-start=\"776\" data-end=\"803\">C&oacute;digo interno / legajo</strong> (ej: EMP-001)</p>\n</li>\n<li data-start=\"818\" data-end=\"868\">\n<p data-start=\"820\" data-end=\"868\"><strong data-start=\"820\" data-end=\"831\">Empresa</strong> (si manejas m&aacute;s de una raz&oacute;n social)</p>\n</li>\n<li data-start=\"869\" data-end=\"932\">\n<p data-start=\"871\" data-end=\"932\"><strong data-start=\"871\" data-end=\"879\">&Aacute;rea</strong> (Caja, Operaciones, Administraci&oacute;n, Comercial, etc.)</p>\n</li>\n<li data-start=\"933\" data-end=\"953\">\n<p data-start=\"935\" data-end=\"953\"><strong data-start=\"935\" data-end=\"953\">Puesto / Cargo</strong></p>\n</li>\n<li data-start=\"954\" data-end=\"1022\">\n<p data-start=\"956\" data-end=\"1022\"><strong data-start=\"956\" data-end=\"986\">Jefe directo / responsable</strong> (qui&eacute;n aprueba vacaciones/permisos)</p>\n</li>\n<li data-start=\"1023\" data-end=\"1057\">\n<p data-start=\"1025\" data-end=\"1057\"><strong data-start=\"1025\" data-end=\"1044\">Centro de costo</strong> (si lo usas)</p>\n</li>\n<li data-start=\"1058\" data-end=\"1080\">\n<p data-start=\"1060\" data-end=\"1080\"><strong data-start=\"1060\" data-end=\"1080\">Fecha de ingreso</strong></p>\n</li>\n<li data-start=\"1081\" data-end=\"1123\">\n<p data-start=\"1083\" data-end=\"1123\"><strong data-start=\"1083\" data-end=\"1093\">Estado</strong>: Activo / Cesado / Suspendido</p>\n</li>\n<li data-start=\"1124\" data-end=\"1213\">\n<p data-start=\"1126\" data-end=\"1213\"><strong data-start=\"1126\" data-end=\"1148\">Tipo de trabajador</strong> (si te ayuda): Full time / Part time / Pr&aacute;cticas (seg&uacute;n aplique)</p>\n</li>\n</ul>\n<h2 data-start=\"1215\" data-end=\"1243\">4) Contrato y condiciones</h2>\n<ul data-start=\"1244\" data-end=\"1759\">\n<li data-start=\"1244\" data-end=\"1344\">\n<p data-start=\"1246\" data-end=\"1267\"><strong data-start=\"1246\" data-end=\"1266\">Tipo de contrato</strong>:</p>\n<ul data-start=\"1270\" data-end=\"1344\">\n<li data-start=\"1270\" data-end=\"1344\">\n<p data-start=\"1272\" data-end=\"1344\">Indeterminado / Plazo fijo (modalidades) / Part time (seg&uacute;n corresponda)</p>\n</li>\n</ul>\n</li>\n<li data-start=\"1345\" data-end=\"1375\">\n<p data-start=\"1347\" data-end=\"1375\"><strong data-start=\"1347\" data-end=\"1375\">Fecha inicio de contrato</strong></p>\n</li>\n<li data-start=\"1376\" data-end=\"1410\">\n<p data-start=\"1378\" data-end=\"1410\"><strong data-start=\"1378\" data-end=\"1391\">Fecha fin</strong> (si es plazo fijo)</p>\n</li>\n<li data-start=\"1411\" data-end=\"1471\">\n<p data-start=\"1413\" data-end=\"1471\"><strong data-start=\"1413\" data-end=\"1434\">Periodo de prueba</strong>: s&iacute;/no + fecha fin (si lo controlas)</p>\n</li>\n<li data-start=\"1472\" data-end=\"1531\">\n<p data-start=\"1474\" data-end=\"1494\"><strong data-start=\"1474\" data-end=\"1493\">Tipo de jornada</strong>:</p>\n<ul data-start=\"1497\" data-end=\"1531\">\n<li data-start=\"1497\" data-end=\"1531\">\n<p data-start=\"1499\" data-end=\"1531\">Horas por d&iacute;a / horas por semana</p>\n</li>\n</ul>\n</li>\n<li data-start=\"1532\" data-end=\"1599\">\n<p data-start=\"1534\" data-end=\"1599\"><strong data-start=\"1534\" data-end=\"1557\">Horario referencial</strong> (si no usas reloj/biom&eacute;trico igual sirve)</p>\n</li>\n<li data-start=\"1600\" data-end=\"1641\">\n<p data-start=\"1602\" data-end=\"1641\"><strong data-start=\"1602\" data-end=\"1622\">Lugar de trabajo</strong> (sede o direcci&oacute;n)</p>\n</li>\n<li data-start=\"1642\" data-end=\"1759\">\n<p data-start=\"1644\" data-end=\"1664\"><strong data-start=\"1644\" data-end=\"1663\">R&eacute;gimen laboral</strong>:</p>\n<ul data-start=\"1667\" data-end=\"1759\">\n<li data-start=\"1667\" data-end=\"1759\">\n<p data-start=\"1669\" data-end=\"1759\">En tu caso: <strong data-start=\"1681\" data-end=\"1697\">REMYPE Micro</strong> (para que el sistema calcule beneficios seg&uacute;n lo que aplique)</p>\n</li>\n</ul>\n</li>\n</ul>\n<h2 data-start=\"1761\" data-end=\"1781\">5) Sueldo y pagos</h2>\n<ul data-start=\"1782\" data-end=\"2447\">\n<li data-start=\"1782\" data-end=\"1837\">\n<p data-start=\"1784\" data-end=\"1809\"><strong data-start=\"1784\" data-end=\"1808\">Tipo de remuneraci&oacute;n</strong>:</p>\n<ul data-start=\"1812\" data-end=\"1837\">\n<li data-start=\"1812\" data-end=\"1837\">\n<p data-start=\"1814\" data-end=\"1837\">Fijo / variable / mixto</p>\n</li>\n</ul>\n</li>\n<li data-start=\"1838\" data-end=\"1857\">\n<p data-start=\"1840\" data-end=\"1857\"><strong data-start=\"1840\" data-end=\"1857\">Sueldo b&aacute;sico</strong></p>\n</li>\n<li data-start=\"1858\" data-end=\"1902\">\n<p data-start=\"1860\" data-end=\"1902\"><strong data-start=\"1860\" data-end=\"1883\">Asignaci&oacute;n familiar</strong>: s&iacute;/no (si aplica)</p>\n</li>\n<li data-start=\"1903\" data-end=\"1977\">\n<p data-start=\"1905\" data-end=\"1939\"><strong data-start=\"1905\" data-end=\"1925\">Bonos/comisiones</strong> (si manejas):</p>\n<ul data-start=\"1942\" data-end=\"1977\">\n<li data-start=\"1942\" data-end=\"1977\">\n<p data-start=\"1944\" data-end=\"1977\">nombre + monto o % + periodicidad</p>\n</li>\n</ul>\n</li>\n<li data-start=\"1978\" data-end=\"2075\">\n<p data-start=\"1980\" data-end=\"2019\"><strong data-start=\"1980\" data-end=\"2006\">Descuentos recurrentes</strong> (si aplica):</p>\n<ul data-start=\"2022\" data-end=\"2075\">\n<li data-start=\"2022\" data-end=\"2075\">\n<p data-start=\"2024\" data-end=\"2075\">adelantos, pr&eacute;stamos, tardanzas (seg&uacute;n tu pol&iacute;tica)</p>\n</li>\n</ul>\n</li>\n<li data-start=\"2076\" data-end=\"2148\">\n<p data-start=\"2078\" data-end=\"2103\"><strong data-start=\"2078\" data-end=\"2102\">Periodicidad de pago</strong>:</p>\n<ul data-start=\"2106\" data-end=\"2148\">\n<li data-start=\"2106\" data-end=\"2148\">\n<p data-start=\"2108\" data-end=\"2148\">mensual / quincenal (si manejas 2 pagos)</p>\n</li>\n</ul>\n</li>\n<li data-start=\"2149\" data-end=\"2219\">\n<p data-start=\"2151\" data-end=\"2170\"><strong data-start=\"2151\" data-end=\"2169\">M&eacute;todo de pago</strong>:</p>\n<ul data-start=\"2173\" data-end=\"2219\">\n<li data-start=\"2173\" data-end=\"2219\">\n<p data-start=\"2175\" data-end=\"2219\">transferencia / efectivo (mejor controlarlo)</p>\n</li>\n</ul>\n</li>\n<li data-start=\"2220\" data-end=\"2447\">\n<p data-start=\"2222\" data-end=\"2253\"><strong data-start=\"2222\" data-end=\"2252\">Cuenta bancaria para abono</strong>:</p>\n<ul data-start=\"2256\" data-end=\"2447\">\n<li data-start=\"2256\" data-end=\"2263\">\n<p data-start=\"2258\" data-end=\"2263\">Banco</p>\n</li>\n<li data-start=\"2266\" data-end=\"2286\">\n<p data-start=\"2268\" data-end=\"2286\">Moneda (PEN / USD)</p>\n</li>\n<li data-start=\"2289\" data-end=\"2325\">\n<p data-start=\"2291\" data-end=\"2325\">Tipo de cuenta (ahorros/corriente)</p>\n</li>\n<li data-start=\"2328\" data-end=\"2346\">\n<p data-start=\"2330\" data-end=\"2346\">N&uacute;mero de cuenta</p>\n</li>\n<li data-start=\"2349\" data-end=\"2354\">\n<p data-start=\"2351\" data-end=\"2354\">CCI</p>\n</li>\n<li data-start=\"2357\" data-end=\"2400\">\n<p data-start=\"2359\" data-end=\"2400\">Titular (normalmente el mismo trabajador)</p>\n</li>\n<li data-start=\"2403\" data-end=\"2447\">\n<p data-start=\"2405\" data-end=\"2447\"><strong data-start=\"2405\" data-end=\"2425\">Cuenta principal</strong> (si tiene m&aacute;s de una)</p>\n</li>\n</ul>\n</li>\n</ul>\n<h2 data-start=\"2449\" data-end=\"2499\">6) Afiliaciones (lo t&iacute;pico de planilla en Per&uacute;)</h2>\n<ul data-start=\"2500\" data-end=\"2763\">\n<li data-start=\"2500\" data-end=\"2539\">\n<p data-start=\"2502\" data-end=\"2525\"><strong data-start=\"2502\" data-end=\"2524\">Sistema de pensi&oacute;n</strong>:</p>\n<ul data-start=\"2528\" data-end=\"2539\">\n<li data-start=\"2528\" data-end=\"2539\">\n<p data-start=\"2530\" data-end=\"2539\">ONP / AFP</p>\n</li>\n</ul>\n</li>\n<li data-start=\"2540\" data-end=\"2629\">\n<p data-start=\"2542\" data-end=\"2549\">Si AFP:</p>\n<ul data-start=\"2552\" data-end=\"2629\">\n<li data-start=\"2552\" data-end=\"2566\">\n<p data-start=\"2554\" data-end=\"2566\">AFP (nombre)</p>\n</li>\n<li data-start=\"2569\" data-end=\"2576\">\n<p data-start=\"2571\" data-end=\"2576\">CUSPP</p>\n</li>\n<li data-start=\"2579\" data-end=\"2629\">\n<p data-start=\"2581\" data-end=\"2629\">Tipo de comisi&oacute;n (flujo/mixta) (si lo registras)</p>\n</li>\n</ul>\n</li>\n<li data-start=\"2630\" data-end=\"2670\">\n<p data-start=\"2632\" data-end=\"2670\"><strong data-start=\"2632\" data-end=\"2643\">ESSALUD</strong> (normalmente por planilla)</p>\n</li>\n<li data-start=\"2671\" data-end=\"2715\">\n<p data-start=\"2673\" data-end=\"2715\"><strong data-start=\"2673\" data-end=\"2680\">EPS</strong> (si tuvieras, usualmente micro no)</p>\n</li>\n<li data-start=\"2716\" data-end=\"2763\">\n<p data-start=\"2718\" data-end=\"2763\"><strong data-start=\"2718\" data-end=\"2737\">Seguro Vida Ley</strong> (si aplica seg&uacute;n tu caso)</p>\n</li>\n</ul>\n<h2 data-start=\"2765\" data-end=\"2829\">7) Documentos del trabajador (lo que debes guardar en el ERP)</h2>\n<p data-start=\"2830\" data-end=\"2906\">Te conviene manejarlo como &ldquo;tipo de documento + archivo + fecha + vigencia&rdquo;.</p>\n<ul data-start=\"2907\" data-end=\"3371\">\n<li data-start=\"2907\" data-end=\"2929\">\n<p data-start=\"2909\" data-end=\"2929\"><strong data-start=\"2909\" data-end=\"2929\">DNI/CE (escaneo)</strong></p>\n</li>\n<li data-start=\"2930\" data-end=\"2974\">\n<p data-start=\"2932\" data-end=\"2974\"><strong data-start=\"2932\" data-end=\"2952\">Contrato firmado</strong> + anexos/renovaciones</p>\n</li>\n<li data-start=\"2975\" data-end=\"3018\">\n<p data-start=\"2977\" data-end=\"3018\"><strong data-start=\"2977\" data-end=\"3004\">Alta / registro interno</strong> (si lo haces)</p>\n</li>\n<li data-start=\"3019\" data-end=\"3038\">\n<p data-start=\"3021\" data-end=\"3038\"><strong data-start=\"3021\" data-end=\"3027\">CV</strong> (opcional)</p>\n</li>\n<li data-start=\"3039\" data-end=\"3097\">\n<p data-start=\"3041\" data-end=\"3097\"><strong data-start=\"3041\" data-end=\"3057\">Certificados</strong> (antecedentes, cursos, etc.) (opcional)</p>\n</li>\n<li data-start=\"3098\" data-end=\"3150\">\n<p data-start=\"3100\" data-end=\"3150\"><strong data-start=\"3100\" data-end=\"3139\">Constancia de cuenta bancaria / CCI</strong> (muy &uacute;til)</p>\n</li>\n<li data-start=\"3151\" data-end=\"3192\">\n<p data-start=\"3153\" data-end=\"3192\"><strong data-start=\"3153\" data-end=\"3181\">Declaraci&oacute;n de domicilio</strong> (opcional)</p>\n</li>\n<li data-start=\"3193\" data-end=\"3245\">\n<p data-start=\"3195\" data-end=\"3245\"><strong data-start=\"3195\" data-end=\"3228\">Descansos m&eacute;dicos / licencias</strong> (cuando existan)</p>\n</li>\n<li data-start=\"3246\" data-end=\"3314\">\n<p data-start=\"3248\" data-end=\"3314\"><strong data-start=\"3248\" data-end=\"3275\">Memor&aacute;ndums / sanciones</strong> (si aplicara, y con control de acceso)</p>\n</li>\n<li data-start=\"3315\" data-end=\"3371\">\n<p data-start=\"3317\" data-end=\"3371\"><strong data-start=\"3317\" data-end=\"3350\">Renuncia / cese / liquidaci&oacute;n</strong> (cuando corresponda)</p>\n</li>\n</ul>\n<p>&nbsp;</p>\n<p><strong><span style=\"text-decoration: underline;\"><span style=\"color: rgb(0, 0, 0); text-decoration: underline;\">ASISTENCIA</span></span></strong></p>\n<h2 data-start=\"225\" data-end=\"275\">1) Datos base que debes definir (configuraci&oacute;n)</h2>\n<ul data-start=\"276\" data-end=\"596\">\n<li data-start=\"276\" data-end=\"343\">\n<p data-start=\"278\" data-end=\"343\"><strong data-start=\"278\" data-end=\"301\">Horario por defecto</strong> (ej: Lun&ndash;Vie 9:00&ndash;18:00 / S&aacute;b 9:00&ndash;13:00)</p>\n</li>\n<li data-start=\"344\" data-end=\"381\">\n<p data-start=\"346\" data-end=\"381\"><strong data-start=\"346\" data-end=\"360\">Tolerancia</strong> (ej: 5 o 10 minutos)</p>\n</li>\n<li data-start=\"382\" data-end=\"432\">\n<p data-start=\"384\" data-end=\"432\"><strong data-start=\"384\" data-end=\"408\">Tiempo de refrigerio</strong> (si aplica, ej: 60 min)</p>\n</li>\n<li data-start=\"433\" data-end=\"532\">\n<p data-start=\"435\" data-end=\"461\"><strong data-start=\"435\" data-end=\"460\">Reglas de horas extra</strong>:</p>\n<ul data-start=\"464\" data-end=\"532\">\n<li data-start=\"464\" data-end=\"498\">\n<p data-start=\"466\" data-end=\"498\">Desde qu&eacute; hora cuenta como extra</p>\n</li>\n<li data-start=\"501\" data-end=\"532\">\n<p data-start=\"503\" data-end=\"532\">Si se aprueba antes o despu&eacute;s</p>\n</li>\n</ul>\n</li>\n<li data-start=\"533\" data-end=\"561\">\n<p data-start=\"535\" data-end=\"561\"><strong data-start=\"535\" data-end=\"547\">Feriados</strong> (lista anual)</p>\n</li>\n<li data-start=\"562\" data-end=\"596\">\n<p data-start=\"564\" data-end=\"596\"><strong data-start=\"564\" data-end=\"573\">Sedes</strong> (si tienes m&aacute;s de una)</p>\n</li>\n</ul>\n<h2 data-start=\"598\" data-end=\"658\">2) Qu&eacute; se guarda por d&iacute;a (registro diario por trabajador)</h2>\n<p data-start=\"659\" data-end=\"687\">Por cada trabajador y fecha:</p>\n<ul data-start=\"688\" data-end=\"1171\">\n<li data-start=\"688\" data-end=\"699\">\n<p data-start=\"690\" data-end=\"699\"><strong data-start=\"690\" data-end=\"699\">Fecha</strong></p>\n</li>\n<li data-start=\"700\" data-end=\"721\">\n<p data-start=\"702\" data-end=\"721\"><strong data-start=\"702\" data-end=\"721\">Hora de entrada</strong></p>\n</li>\n<li data-start=\"722\" data-end=\"742\">\n<p data-start=\"724\" data-end=\"742\"><strong data-start=\"724\" data-end=\"742\">Hora de salida</strong></p>\n</li>\n<li data-start=\"743\" data-end=\"804\">\n<p data-start=\"745\" data-end=\"804\"><strong data-start=\"745\" data-end=\"769\">Entrada 2 / Salida 2</strong> (opcional si controlas refrigerio)</p>\n</li>\n<li data-start=\"805\" data-end=\"901\">\n<p data-start=\"807\" data-end=\"826\"><strong data-start=\"807\" data-end=\"825\">Estado del d&iacute;a</strong>:</p>\n<ul data-start=\"829\" data-end=\"901\">\n<li data-start=\"829\" data-end=\"901\">\n<p data-start=\"831\" data-end=\"901\">Asisti&oacute; / Falta / Descanso / Feriado / Vacaciones / Licencia / Permiso</p>\n</li>\n</ul>\n</li>\n<li data-start=\"902\" data-end=\"939\">\n<p data-start=\"904\" data-end=\"939\"><strong data-start=\"904\" data-end=\"927\">Minutos de tardanza</strong> (calculado)</p>\n</li>\n<li data-start=\"940\" data-end=\"974\">\n<p data-start=\"942\" data-end=\"974\"><strong data-start=\"942\" data-end=\"962\">Horas trabajadas</strong> (calculado)</p>\n</li>\n<li data-start=\"975\" data-end=\"1004\">\n<p data-start=\"977\" data-end=\"1004\"><strong data-start=\"977\" data-end=\"992\">Horas extra</strong> (calculado)</p>\n</li>\n<li data-start=\"1005\" data-end=\"1073\">\n<p data-start=\"1007\" data-end=\"1073\"><strong data-start=\"1007\" data-end=\"1022\">Observaci&oacute;n</strong> (ej: &ldquo;lleg&oacute; tarde por banco&rdquo;, &ldquo;sali&oacute; por tr&aacute;mite&rdquo;)</p>\n</li>\n<li data-start=\"1074\" data-end=\"1116\">\n<p data-start=\"1076\" data-end=\"1116\"><strong data-start=\"1076\" data-end=\"1092\">Aprobado por</strong> (si hubo permiso/extra)</p>\n</li>\n<li data-start=\"1117\" data-end=\"1171\">\n<p data-start=\"1119\" data-end=\"1171\"><strong data-start=\"1119\" data-end=\"1132\">Evidencia</strong> (opcional: foto/archivo si lo quieres)</p>\n</li>\n</ul>\n<h2 data-start=\"1173\" data-end=\"1217\">3) Permisos y licencias (para justificar)</h2>\n<p data-start=\"1218\" data-end=\"1255\">En una tabla aparte de &ldquo;solicitudes&rdquo;:</p>\n<ul data-start=\"1256\" data-end=\"1524\">\n<li data-start=\"1256\" data-end=\"1320\">\n<p data-start=\"1258\" data-end=\"1320\"><strong data-start=\"1258\" data-end=\"1266\">Tipo</strong>: Permiso, Licencia m&eacute;dica, Comisi&oacute;n de servicio, etc.</p>\n</li>\n<li data-start=\"1321\" data-end=\"1365\">\n<p data-start=\"1323\" data-end=\"1365\"><strong data-start=\"1323\" data-end=\"1339\">Con/sin goce</strong> (si aplica a tu pol&iacute;tica)</p>\n</li>\n<li data-start=\"1366\" data-end=\"1398\">\n<p data-start=\"1368\" data-end=\"1398\"><strong data-start=\"1368\" data-end=\"1383\">Desde/hasta</strong> (fecha y hora)</p>\n</li>\n<li data-start=\"1399\" data-end=\"1411\">\n<p data-start=\"1401\" data-end=\"1411\"><strong data-start=\"1401\" data-end=\"1411\">Motivo</strong></p>\n</li>\n<li data-start=\"1412\" data-end=\"1453\">\n<p data-start=\"1414\" data-end=\"1453\"><strong data-start=\"1414\" data-end=\"1425\">Adjunto</strong> (descanso m&eacute;dico, sustento)</p>\n</li>\n<li data-start=\"1454\" data-end=\"1500\">\n<p data-start=\"1456\" data-end=\"1500\"><strong data-start=\"1456\" data-end=\"1466\">Estado</strong>: Pendiente / Aprobado / Rechazado</p>\n</li>\n<li data-start=\"1501\" data-end=\"1524\">\n<p data-start=\"1503\" data-end=\"1524\"><strong data-start=\"1503\" data-end=\"1516\">Aprobador</strong> + fecha</p>\n</li>\n</ul>\n<h2 data-start=\"1526\" data-end=\"1584\">4) Reportes &uacute;tiles (con 12 trabajadores esto te ordena)</h2>\n<ul data-start=\"1585\" data-end=\"1770\">\n<li data-start=\"1585\" data-end=\"1622\">\n<p data-start=\"1587\" data-end=\"1622\"><strong data-start=\"1587\" data-end=\"1612\">Tardanzas por persona</strong> (mensual)</p>\n</li>\n<li data-start=\"1623\" data-end=\"1662\">\n<p data-start=\"1625\" data-end=\"1662\"><strong data-start=\"1625\" data-end=\"1652\">Horas extra por persona</strong> (mensual)</p>\n</li>\n<li data-start=\"1663\" data-end=\"1699\">\n<p data-start=\"1665\" data-end=\"1699\"><strong data-start=\"1665\" data-end=\"1675\">Faltas</strong> (con/sin justificaci&oacute;n)</p>\n</li>\n<li data-start=\"1700\" data-end=\"1770\">\n<p data-start=\"1702\" data-end=\"1770\"><strong data-start=\"1702\" data-end=\"1720\">Resumen diario</strong> (qui&eacute;n est&aacute;, qui&eacute;n falta, qui&eacute;n est&aacute; con permiso)</p>\n</li>\n</ul>\n<p><span style=\"text-decoration: underline;\"><strong>PLANILLA:</strong></span></p>\n<h2 data-start=\"236\" data-end=\"309\">1) Cat&aacute;logo de conceptos que debes tener (lo &ldquo;exacto&rdquo; para tu sistema)</h2>\n<h3 data-start=\"311\" data-end=\"342\">A) Ingresos (remunerativos)</h3>\n<ol data-start=\"343\" data-end=\"652\">\n<li data-start=\"343\" data-end=\"370\">\n<p data-start=\"346\" data-end=\"370\"><strong data-start=\"346\" data-end=\"363\">SUELDO B&Aacute;SICO</strong> (fijo)</p>\n</li>\n<li data-start=\"371\" data-end=\"474\">\n<p data-start=\"374\" data-end=\"474\"><strong data-start=\"374\" data-end=\"397\">ASIGNACI&Oacute;N FAMILIAR</strong> (si corresponde) = <strong data-start=\"417\" data-end=\"434\">10% de la RMV</strong> <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://www.gob.pe/institucion/mtpe/noticias/601761-quienes-tienen-derecho-a-percibir-la-asignacion-familiar/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">Gobierno del Per&uacute;</span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1</span></span></span></a></span></span></p>\n</li>\n<li data-start=\"475\" data-end=\"521\">\n<p data-start=\"478\" data-end=\"521\"><strong data-start=\"478\" data-end=\"490\">COMISI&Oacute;N</strong> (variable, solo para esos 5)</p>\n</li>\n<li data-start=\"522\" data-end=\"597\">\n<p data-start=\"525\" data-end=\"597\"><strong data-start=\"525\" data-end=\"541\">HORAS EXTRAS</strong> (si las pagas; recomendado calcular desde asistencia)</p>\n</li>\n<li data-start=\"598\" data-end=\"652\">\n<p data-start=\"601\" data-end=\"652\"><strong data-start=\"601\" data-end=\"610\">BONOS</strong> (opcional: puntualidad, producci&oacute;n, etc.)</p>\n</li>\n</ol>\n<blockquote data-start=\"654\" data-end=\"825\">\n<p data-start=\"656\" data-end=\"825\">En microempresa REMYPE, el trabajador igual tiene derechos como jornada, descansos, feriados, horas extra y vacaciones (15 d&iacute;as). <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://www2.trabajo.gob.pe/archivos/dgt/dgpit/dipticos/9_Diptico_RegimenMype.pdf?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">Ministerio de Trabajo del Per&uacute;</span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1</span></span></span></a></span></span></p>\n</blockquote>\n<h3 data-start=\"827\" data-end=\"861\">B) Descuentos (del trabajador)</h3>\n<ol data-start=\"862\" data-end=\"1175\">\n<li data-start=\"862\" data-end=\"957\">\n<p data-start=\"865\" data-end=\"957\"><strong data-start=\"865\" data-end=\"872\">ONP</strong> (si SNP) = <strong data-start=\"884\" data-end=\"917\">13% de la remuneraci&oacute;n afecta</strong> <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://orientacion.sunat.gob.pe/08-tasa-y-calculo-del-aporte-al-snp-onp?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">Orientaci&oacute;n Sunat</span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1</span></span></span></a></span></span></p>\n</li>\n<li data-start=\"958\" data-end=\"1055\">\n<p data-start=\"961\" data-end=\"1055\"><strong data-start=\"961\" data-end=\"968\">AFP</strong> (si SPP) = tasas <strong data-start=\"986\" data-end=\"1003\">configurables</strong> (fondo + comisi&oacute;n + seguro; var&iacute;an por AFP/periodo)</p>\n</li>\n<li data-start=\"1056\" data-end=\"1095\">\n<p data-start=\"1059\" data-end=\"1095\"><strong data-start=\"1059\" data-end=\"1084\">ADELANTOS / PR&Eacute;STAMOS</strong> (variable)</p>\n</li>\n<li data-start=\"1096\" data-end=\"1175\">\n<p data-start=\"1099\" data-end=\"1175\"><strong data-start=\"1099\" data-end=\"1133\">DESCUENTO POR TARDANZA / FALTA</strong> (si lo aplicas seg&uacute;n tu pol&iacute;tica interna)</p>\n</li>\n</ol>\n<h3 data-start=\"1177\" data-end=\"1207\">C) Aportes (del empleador)</h3>\n<ol data-start=\"1208\" data-end=\"1491\">\n<li data-start=\"1208\" data-end=\"1491\">\n<p data-start=\"1211\" data-end=\"1346\"><strong data-start=\"1211\" data-end=\"1222\">EsSalud</strong> = <strong data-start=\"1225\" data-end=\"1231\">9%</strong> de la remuneraci&oacute;n/ingreso mensual del trabajador (a cargo del empleador). <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://www.gob.pe/218-seguro-regular-essalud-seguro-aportes?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">Gobierno del Per&uacute;</span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1</span></span></span></a></span></span></p>\n<ul data-start=\"1350\" data-end=\"1491\">\n<li data-start=\"1350\" data-end=\"1491\">\n<p data-start=\"1352\" data-end=\"1491\">Recomendaci&oacute;n de sistema: guardar regla de <strong data-start=\"1395\" data-end=\"1414\">m&iacute;nimo base RMV</strong> si corresponde en tu caso operativo. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://www.gob.pe/7942-aportes-a-essalud-recaudados-por-sunat?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between overflow-hidden\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">Gobierno del Per&uacute;</span></span></span></a></span></span></p>\n</li>\n</ul>\n</li>\n</ol>\n<h3 data-start=\"1493\" data-end=\"1554\">D) Conceptos &ldquo;NO APLICAN&rdquo; (por ser REMYPE Micro inscrita)</h3>\n<ul data-start=\"1555\" data-end=\"1692\">\n<li data-start=\"1555\" data-end=\"1692\">\n<p data-start=\"1557\" data-end=\"1692\"><strong data-start=\"1557\" data-end=\"1582\">CTS y gratificaciones</strong>: en microempresa inscrita en REMYPE, normalmente <strong data-start=\"1632\" data-end=\"1651\">no corresponden</strong>. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://gestion.pe/tu-dinero/finanzas-personales/trabajas-en-una-mype-o-pyme-esto-te-toca-de-gratificacioncts-y-vacaciones-noticia/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">Gesti&oacute;n</span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1</span></span></span></a></span></span></p>\n</li>\n</ul>\n<hr data-start=\"1694\" data-end=\"1697\">\n<h2 data-start=\"1699\" data-end=\"1743\">2) Orden de c&aacute;lculo mensual (paso a paso)</h2>\n<p data-start=\"1744\" data-end=\"1801\">Este es el flujo que tu ERP debe ejecutar por trabajador:</p>\n<h3 data-start=\"1803\" data-end=\"1840\">Paso 1: Base del mes (asistencia)</h3>\n<ul data-start=\"1841\" data-end=\"2084\">\n<li data-start=\"1841\" data-end=\"2024\">\n<p data-start=\"1843\" data-end=\"1900\"><strong data-start=\"1843\" data-end=\"1872\">Sueldo computable del mes</strong> (si hubo faltas/tardanzas):</p>\n<ul data-start=\"1903\" data-end=\"2024\">\n<li data-start=\"1903\" data-end=\"1943\">\n<p data-start=\"1905\" data-end=\"1943\">Valor d&iacute;a (referencial): <code data-start=\"1930\" data-end=\"1943\">sueldo / 30</code></p>\n</li>\n<li data-start=\"1946\" data-end=\"2024\">\n<p data-start=\"1948\" data-end=\"2024\">Valor hora (referencial): <code data-start=\"1974\" data-end=\"1993\">(sueldo / 30) / 8</code> <em data-start=\"1994\" data-end=\"2024\">(ajustas seg&uacute;n jornada real)</em></p>\n</li>\n</ul>\n</li>\n<li data-start=\"2025\" data-end=\"2084\">\n<p data-start=\"2027\" data-end=\"2084\">Descuento por faltas/tardanzas (si aplica) se resta aqu&iacute;.</p>\n</li>\n</ul>\n<h3 data-start=\"2086\" data-end=\"2115\">Paso 2: Variables del mes</h3>\n<ul data-start=\"2116\" data-end=\"2215\">\n<li data-start=\"2116\" data-end=\"2182\">\n<p data-start=\"2118\" data-end=\"2182\"><strong data-start=\"2118\" data-end=\"2138\">Comisi&oacute;n del mes</strong> (para 5 trabajadores): <code data-start=\"2162\" data-end=\"2182\">comision_total_mes</code></p>\n</li>\n<li data-start=\"2183\" data-end=\"2215\">\n<p data-start=\"2185\" data-end=\"2215\">Horas extra / bonos si existen</p>\n</li>\n</ul>\n<h3 data-start=\"2217\" data-end=\"2243\">Paso 3: Total ingresos</h3>\n<p data-start=\"2244\" data-end=\"2330\"><code data-start=\"2244\" data-end=\"2330\">TOTAL_INGRESOS = sueldo_mes + asignacion_familiar + comisiones + horas_extra + bonos</code></p>\n<h3 data-start=\"2332\" data-end=\"2371\">Paso 4: Descuentos de ley (pensi&oacute;n)</h3>\n<ul data-start=\"2372\" data-end=\"2512\">\n<li data-start=\"2372\" data-end=\"2451\">\n<p data-start=\"2374\" data-end=\"2451\">Si <strong data-start=\"2377\" data-end=\"2384\">ONP</strong>: <code data-start=\"2386\" data-end=\"2411\">ONP = 13% * base_afecta</code> <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://orientacion.sunat.gob.pe/08-tasa-y-calculo-del-aporte-al-snp-onp?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">Orientaci&oacute;n Sunat</span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1</span></span></span></a></span></span></p>\n</li>\n<li data-start=\"2452\" data-end=\"2512\">\n<p data-start=\"2454\" data-end=\"2512\">Si <strong data-start=\"2457\" data-end=\"2464\">AFP</strong>: <code data-start=\"2466\" data-end=\"2512\">AFP = (tasa_total_configurada) * base_afecta</code></p>\n</li>\n</ul>\n<h3 data-start=\"2514\" data-end=\"2538\">Paso 5: Neto a pagar</h3>\n<p data-start=\"2539\" data-end=\"2593\"><code data-start=\"2539\" data-end=\"2593\">NETO = TOTAL_INGRESOS - (ONP/AFP + otros_descuentos)</code></p>\n<h3 data-start=\"2595\" data-end=\"2631\">Paso 6: Aporte empleador EsSalud</h3>\n<p data-start=\"2632\" data-end=\"2700\"><code data-start=\"2632\" data-end=\"2660\">ESSALUD = 9% * base_afecta</code> <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https://www.gob.pe/218-seguro-regular-essalud-seguro-aportes?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">Gobierno del Per&uacute;</span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1</span></span></span></a></span></span></p>\n<hr data-start=\"2702\" data-end=\"2705\">\n<h2 data-start=\"2707\" data-end=\"2770\">3) C&oacute;mo modelarlo en tu ERP (para que sea f&aacute;cil y escalable)</h2>\n<h3 data-start=\"2771\" data-end=\"2802\">Tablas m&iacute;nimas recomendadas</h3>\n<ul data-start=\"2803\" data-end=\"3147\">\n<li data-start=\"2803\" data-end=\"2930\">\n<p data-start=\"2805\" data-end=\"2827\"><code data-start=\"2805\" data-end=\"2825\">conceptos_planilla</code></p>\n<ul data-start=\"2830\" data-end=\"2930\">\n<li data-start=\"2830\" data-end=\"2930\">\n<p data-start=\"2832\" data-end=\"2930\"><code data-start=\"2832\" data-end=\"2930\">id, codigo, nombre, tipo (INGRESO/DESCUENTO/APORTE), afecta_pension, afecta_essalud, es_variable</code></p>\n</li>\n</ul>\n</li>\n<li data-start=\"2931\" data-end=\"2972\">\n<p data-start=\"2933\" data-end=\"2972\"><code data-start=\"2933\" data-end=\"2952\">planilla_periodos</code> (2025-01, 2025-02&hellip;)</p>\n</li>\n<li data-start=\"2973\" data-end=\"3070\">\n<p data-start=\"2975\" data-end=\"2999\"><code data-start=\"2975\" data-end=\"2997\">planilla_movimientos</code></p>\n<ul data-start=\"3002\" data-end=\"3070\">\n<li data-start=\"3002\" data-end=\"3070\">\n<p data-start=\"3004\" data-end=\"3070\"><code data-start=\"3004\" data-end=\"3070\">periodo_id, trabajador_id, concepto_id, cantidad, monto, detalle</code></p>\n</li>\n</ul>\n</li>\n<li data-start=\"3071\" data-end=\"3147\">\n<p data-start=\"3073\" data-end=\"3093\"><code data-start=\"3073\" data-end=\"3091\">planilla_resumen</code></p>\n<ul data-start=\"3096\" data-end=\"3147\">\n<li data-start=\"3096\" data-end=\"3147\">\n<p data-start=\"3098\" data-end=\"3147\"><code data-start=\"3098\" data-end=\"3147\">total_ingresos, total_descuentos, neto, essalud</code></p>\n</li>\n</ul>\n</li>\n</ul>\n<h3 data-start=\"3149\" data-end=\"3189\">Para comisiones (los 5 trabajadores)</h3>\n<ul data-start=\"3190\" data-end=\"3365\">\n<li data-start=\"3190\" data-end=\"3271\">\n<p data-start=\"3192\" data-end=\"3271\">Opci&oacute;n simple: cargar cada mes un registro &ldquo;COMISI&Oacute;N&rdquo; por trabajador con monto.</p>\n</li>\n<li data-start=\"3272\" data-end=\"3365\">\n<p data-start=\"3274\" data-end=\"3365\">Opci&oacute;n pro: tabla <code data-start=\"3292\" data-end=\"3312\">comisiones_detalle</code> (por operaci&oacute;n) y que el ERP sume al cierre del mes.</p>\n</li>\n</ul>\n<p>&nbsp;</p>","flag":null,"attachments":[],"share_id":"a95444b1b6429d5b4717ca4c9fa591e8"},{"text":"MODULO DE SANCIONES","done":false,"note":"<p>https://www.youtube.com/watch?v=sLt-y15zxNg</p>\n<p>https://www.youtube.com/watch?v=KxC7WJOp8iM</p>\n<p>https://www.youtube.com/watch?v=ilLMrCoDIOU</p>","flag":null,"attachments":[],"share_id":null}]