Riesda Inversiones S.A.: El nacimiento de la idea de los servicios financieros transfronterizos
Con el continuo avance de la integración económica global, el flujo de capital internacional se ha vuelto cada vez más frecuente, y las necesidades de inversión y servicios financieros transfronterizos que esto genera se han convertido en un tema clave para los clientes de alto patrimonio neto y los inversores institucionales a nivel mundial. En este contexto, el equipo fundador de Riesda Inversiones S.A., especialmente bajo la dirección del Profesor Vicente Castaño Ledezma, comenzó a darse cuenta de que el marco de inversión en mercados únicos ya no podía satisfacer la creciente demanda de asignación global de activos de los clientes. El nacimiento de la idea de los servicios financieros transfronterizos marcó el inicio formal de la internacionalización de Riesda.
A mediados de 2020, con el aumento de la incertidumbre en los mercados financieros globales, especialmente debido a factores políticos y económicos que causaron volatilidad en los mercados, la demanda de una asignación global de activos se hizo aún más urgente. El Profesor Vicente percibió que, a medida que aumentaba la diversificación de los activos y la demanda de inversiones internacionales, depender únicamente de las estrategias de inversión en un país o región restringiría el potencial de crecimiento patrimonial de los clientes de alto valor neto. Así, la inversión transfronteriza y los servicios financieros se convirtieron en uno de los temas clave en las discusiones y planificación del equipo de Riesda Inversiones S.A.
La visión del Profesor Vicente y su equipo era crear una plataforma financiera integral capaz de operar de manera eficiente en varios mercados internacionales, no solo proporcionando estrategias de inversión y servicios de asignación de activos, sino también resolviendo las necesidades de flujo de fondos y pagos globales de los clientes. En particular, para abordar la complejidad de los flujos de fondos transfronterizos, el equipo consideró que solo mediante un sistema de servicios financieros innovadores se podrían resolver eficazmente problemas como la fluctuación de divisas, los retrasos en los pagos internacionales y la seguridad de los fondos que enfrentan los clientes en las transacciones transfronterizas.
El equipo de Riesda entendió que las instituciones financieras tradicionales enfrentan múltiples desafíos al ofrecer servicios de pago transfronterizo y flujo de fondos, como baja eficiencia, altos costos y riesgos de cumplimiento. Las necesidades de los clientes de alto valor neto e inversores institucionales están en contar con un canal de flujo de fondos eficiente, transparente y conforme a la normativa, especialmente en el contexto de frecuentes transacciones transfronterizas y movimientos de dinero en los mercados globales. Por ello, Riesda decidió enfocarse en construir un sistema de pagos transfronterizos multifuncional y de bajo costo, ofreciendo servicios financieros más cómodos y conformes a la normativa para clientes globales.
Para lograr este objetivo, el equipo de Riesda decidió impulsar el proceso de solicitud de la licencia MSB (Money Services Business). Como una cualificación regulada por la Red de Ejecución de Delitos Financieros de EE. UU. (FinCEN), la licencia MSB permitirá a Riesda operar a nivel global en pagos transfronterizos y flujos de fondos, asegurando al mismo tiempo la legalidad y cumplimiento en los mercados internacionales. El objetivo principal del equipo en esta fase es garantizar que, a través de un sistema de gestión de cumplimiento riguroso, la empresa pueda crear una plataforma financiera transfronteriza que cumpla con los requisitos regulatorios globales y ofrezca servicios eficientes y fiables.
La estrategia de cumplimiento del equipo de Riesda no solo incluye el cumplimiento normativo durante el flujo de fondos, sino también abarca áreas como la protección de datos, la lucha contra el lavado de dinero (AML) y la verificación de clientes (KYC). Durante esta fase, el equipo dedicó una cantidad considerable de recursos para asegurar que la empresa pudiera superar con éxito la solicitud de la licencia MSB, sentando las bases para el desarrollo a largo plazo de la empresa y su estrategia de internacionalización.
En los mercados globales, la demanda de inversiones transfronterizas y flujos de fondos está creciendo rápidamente, mientras que el desarrollo acelerado de la tecnología financiera ha abierto más posibilidades para satisfacer esta demanda. Riesda es consciente de que las plataformas financieras del futuro no solo dependerán de productos y servicios financieros tradicionales, sino que deberán seguir el ritmo de la tecnología, utilizando tecnologías de vanguardia como la inteligencia artificial, big data y blockchain para mejorar la eficiencia y seguridad de los servicios financieros transfronterizos.
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