Companies
What counts before the regulator is not what the company does, but what it can prove it did on the day of the inspection.
Direct answer
Financial and insurance regulation governs entities supervised by Colombia’s Financial Superintendence — banks, insurers, brokers and intermediaries — and companies required to implement risk management systems such as SARLAFT, SAGRILAFT or the Transparency and Business Ethics Programme. Acerteq designs those systems, handles licensing, and defends the entity when the regulator opens an administrative investigation.
Scope
Incorporation and authorisation of supervised entities, approval of directors and officers, bylaw amendments and information requests.
Brokers, agencies and agents: intermediation rules, commissions, agreements with insurers, lines of business and policy wordings.
Applicability assessment, risk matrix, manual, compliance officer, reporting to the financial intelligence unit and effectiveness audits.
Response to statements of objections, submissions, evidence and appeals before the Financial and Companies Superintendences.
Boards, risk and audit committees, conflict-of-interest policies and the enhanced duties of directors.
Evidence gathering under legal privilege, findings report, remediation and defence in economic and corporate offences.
Intent signals
How we work
01
An initial session where we map your real exposure: what risk exists today, its financial impact and how urgent it is.
02
We deliver scope, deliverables, timelines and fees in writing before signing. You know exactly what you get and what it costs.
03
A senior lawyer owns your matter end to end, with direct, unfiltered access. Every request is logged on the platform.
04
Periodic reporting on real status, regulatory alerts for your sector and an annual review of your legal risk matrix.
Frequently asked questions
SARLAFT applies to entities supervised by the Financial Superintendence and is regulated by it. SAGRILAFT applies to real-sector companies above the thresholds set by the Superintendence of Companies and prevents money laundering and terrorist financing. The Transparency and Business Ethics Programme prevents transnational bribery and corruption. They share a structure — risk, control, monitoring — but have different thresholds, obligations and sanctions regimes.
Insurance intermediation is reserved to registered companies which, depending on the figure, are subject to inspection or supervision by the Financial Superintendence. It requires an authorised corporate purpose, minimum capital, fit-and-proper approval of directors, a conflict-of-interest regime and risk management systems. Before incorporating it is worth settling on the right figure — broker, agency or agent — because each carries a different regime.
The first rule is not to reply immediately with loose explanations: the response period is the procedural opportunity to set out the entity’s position and file evidence, and what is said there shapes the rest of the case. We review the file, identify precisely what conduct is alleged and on what basis, and build the response around the evidence the entity can actually prove.
No. The rules require an employee of the entity, with decision-making authority and a direct reporting line to the board or the highest corporate body. What can be outsourced is the design of the system, training, effectiveness audits and technical support — which is where we come in.
First consultation
Tell us what is happening. A senior lawyer in this area will read it and reply within two business hours with a first assessment and no commitment.
The person who assesses you is the person who would run the matter.
Scope, deliverables and price before any engagement is signed.
Every request is logged on the platform with a visible status.
First consultation
⏱ Response in under 2 business hours.
🔒 Your data is protected and confidential under attorney-client privilege.
Related practice areas
Most cases touch more than one area. These are the ones that most often come up alongside this matter.
Corporate structures, shareholder agreements, company sales, reorganisations and disputes between partners.
Explore this area →
Commercial, corporate, contractual and administrative disputes of significant value, before courts and arbitral tribunals.
Explore this area →
Executive hiring, sensitive terminations, workforce restructuring, internal investigations and strategic employment litigation.
Explore this area →
Next step
A 30-minute diagnostic with a senior lawyer, with no obligation to engage. You leave with a clear read on your risk and what to do first.
Response in under 2 business hours.
