{"id":21237,"date":"2026-07-23T13:47:57","date_gmt":"2026-07-23T16:47:57","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=21237"},"modified":"2026-07-23T13:48:02","modified_gmt":"2026-07-23T16:48:02","slug":"resolucao-cvm-245-impactos-empresas","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/resolucao-cvm-245-impactos-empresas\/","title":{"rendered":"Resolu\u00e7\u00e3o 245: o que muda para as empresas com a nova regra da CVM"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Conte\u00fado&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span data-contrast=\"auto\">A entrada em vigor da\u00a0<\/span><a href=\"https:\/\/conteudo.cvm.gov.br\/export\/sites\/cvm\/legislacao\/resolucoes\/anexos\/200\/resol245.pdf\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Resolu\u00e7\u00e3o CVM n\u00ba 245<\/span><\/a><span data-contrast=\"auto\">, em 15 de julho de 2026,\u00a0refor\u00e7a uma tend\u00eancia de maior rigor nos processos de dilig\u00eancia conduzidos por institui\u00e7\u00f5es do mercado financeiro.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Na pr\u00e1tica, empresas e investidores poder\u00e3o ser submetidos a<\/span><b><span data-contrast=\"auto\">\u00a0verifica\u00e7\u00f5es mais detalhadas<\/span><\/b><span data-contrast=\"auto\">\u00a0ao realizar determinadas opera\u00e7\u00f5es, especialmente quando houver exposi\u00e7\u00e3o a mercados ou estruturas societ\u00e1rias consideradas de maior risco.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A norma atualiza as diretrizes da\u00a0<\/span><b><span data-contrast=\"auto\">Comiss\u00e3o de Valores Mobili\u00e1rios\u00a0(CVM)<\/span><\/b><span data-contrast=\"auto\">\u00a0para preven\u00e7\u00e3o \u00e0 lavagem de dinheiro, ao financiamento do terrorismo e ao financiamento da prolifera\u00e7\u00e3o de armas de destrui\u00e7\u00e3o em massa, alinhando a regulamenta\u00e7\u00e3o brasileira \u00e0s recomenda\u00e7\u00f5es do\u00a0<\/span><a href=\"https:\/\/www.fatf-gafi.org\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Grupo de A\u00e7\u00e3o Financeira Internacional (GAFI)<\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Embora seja direcionada \u00e0s institui\u00e7\u00f5es reguladas pela CVM, a resolu\u00e7\u00e3o reflete uma\u00a0<\/span><b><span data-contrast=\"auto\">tend\u00eancia mais ampla de<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><b><span data-contrast=\"auto\">fortalecimento dos controles no ambiente de neg\u00f3cios<\/span><\/b><span data-contrast=\"auto\">. Organiza\u00e7\u00f5es que realizam opera\u00e7\u00f5es no mercado financeiro ou mant\u00eam investidores, clientes ou parceiros internacionais devem estar preparadas para atender a processos de verifica\u00e7\u00e3o mais rigorosos.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Resolu\u00e7\u00e3o CVM n\u00ba 245: mais dilig\u00eancia nas opera\u00e7\u00f5es<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">A Resolu\u00e7\u00e3o CVM n\u00ba 245 determina a ado\u00e7\u00e3o de medidas refor\u00e7adas de dilig\u00eancia para\u00a0<\/span><b><span data-contrast=\"auto\">opera\u00e7\u00f5es ou situa\u00e7\u00f5es envolvendo investidores n\u00e3o residentes<\/span><\/b><span data-contrast=\"auto\">\u00a0estabelecidos em pa\u00edses ou jurisdi\u00e7\u00f5es que n\u00e3o aplicam adequadamente as recomenda\u00e7\u00f5es do GAFI.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Entre as medidas previstas est\u00e3o a exig\u00eancia de informa\u00e7\u00f5es adicionais, restri\u00e7\u00f5es para o estabelecimento de relacionamentos, limita\u00e7\u00e3o ou recusa de determinadas opera\u00e7\u00f5es e, em casos de risco considerado inaceit\u00e1vel, o encerramento da rela\u00e7\u00e3o de neg\u00f3cios.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Outro ponto relevante \u00e9 que essas\u00a0dilig\u00eancias n\u00e3o se restringem aos investidores n\u00e3o residentes.\u00a0<\/span><\/b><span data-contrast=\"auto\">A norma tamb\u00e9m alcan\u00e7a clientes, residentes ou n\u00e3o, que possuam v\u00ednculos diretos ou indiretos com essas jurisdi\u00e7\u00f5es. Esses v\u00ednculos podem ocorrer por meio da estrutura societ\u00e1ria, cadeia de controle, benefici\u00e1rios finais ou representantes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Como consequ\u00eancia, determinadas an\u00e1lises podem exigir documenta\u00e7\u00e3o complementar e demandar mais tempo para conclus\u00e3o, em raz\u00e3o das verifica\u00e7\u00f5es adicionais realizadas pelas institui\u00e7\u00f5es.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><i><span data-contrast=\"auto\">Leia tamb\u00e9m:<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/acrisure.com.br\/insights\/organizacoes-criminosas-compliance-gestao-risco\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Nova classifica\u00e7\u00e3o de organiza\u00e7\u00f5es criminosas eleva aten\u00e7\u00e3o para compliance e gest\u00e3o de riscos<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"https:\/\/acrisure.com.br\/insights\/reputacao-corporativa-seguro\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">O papel do seguro D&amp;O na defesa da reputa\u00e7\u00e3o corporativa<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Impactos\u00a0da\u00a0Resolu\u00e7\u00e3o CVM n\u00ba 245\u00a0ultrapassam\u00a0mercado financeiro<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:160,&quot;335559739&quot;:80,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Mesmo organiza\u00e7\u00f5es que n\u00e3o atuam diretamente no mercado de capitais podem perceber\u00a0<\/span><b><span data-contrast=\"auto\">mudan\u00e7as na rela\u00e7\u00e3o com bancos, investidores e parceiros de neg\u00f3cios<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Entre os poss\u00edveis impactos est\u00e3o:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">processos de\u00a0due\u00a0diligence\u00a0mais detalhados;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">maior exig\u00eancia de documenta\u00e7\u00e3o para comprova\u00e7\u00e3o da origem dos recursos;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">an\u00e1lises mais criteriosas da estrutura societ\u00e1ria e dos benefici\u00e1rios finais;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">verifica\u00e7\u00f5es adicionais que podem ampliar o tempo necess\u00e1rio para aprova\u00e7\u00e3o de determinadas opera\u00e7\u00f5es.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Empresas com atua\u00e7\u00e3o internacional, investidores estrangeiros ou cadeias globais de fornecedores tendem a sentir esses efeitos com maior intensidade.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Um cen\u00e1rio de maior vigil\u00e2ncia<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A Resolu\u00e7\u00e3o CVM n\u00ba 245 faz parte do alinhamento da regulamenta\u00e7\u00e3o brasileira \u00e0s recomenda\u00e7\u00f5es do GAFI, respons\u00e1vel por estabelecer padr\u00f5es internacionais de preven\u00e7\u00e3o \u00e0 lavagem de dinheiro e ao financiamento do terrorismo.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O organismo monitora continuamente pa\u00edses com fragilidades nesses mecanismos, classificando-os conforme o n\u00edvel de risco, o que pode resultar em controles mais rigorosos para opera\u00e7\u00f5es envolvendo essas jurisdi\u00e7\u00f5es.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A atualiza\u00e7\u00e3o tamb\u00e9m ocorre em um contexto de crescente aten\u00e7\u00e3o global aos crimes financeiros. Entre os epis\u00f3dios recentes est\u00e1 a classifica\u00e7\u00e3o do Comando Vermelho e do PCC pelos Estados Unidos como Organiza\u00e7\u00f5es Terroristas Estrangeiras, medida que ampliou o debate sobre mecanismos utilizados para movimenta\u00e7\u00e3o e oculta\u00e7\u00e3o de recursos il\u00edcitos.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Transpar\u00eancia como diferencial competitivo<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">O fortalecimento das exig\u00eancias regulat\u00f3rias demonstra que\u00a0<\/span><b><span data-contrast=\"auto\">transpar\u00eancia, rastreabilidade e capacidade de comprovar a legitimidade<\/span><\/b><span data-contrast=\"auto\">\u00a0das opera\u00e7\u00f5es passaram a ser fatores estrat\u00e9gicos para as empresas.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Organiza\u00e7\u00f5es com estruturas s\u00f3lidas de governan\u00e7a, controles internos e\u00a0<\/span><a href=\"https:\/\/acrisure.com.br\/insights\/tag\/gestao-de-riscos\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">gest\u00e3o de riscos<\/span><\/a><span data-contrast=\"auto\">\u00a0tendem a responder com mais agilidade \u00e0s exig\u00eancias de clientes, institui\u00e7\u00f5es e \u00f3rg\u00e3os reguladores, al\u00e9m de reduzir a exposi\u00e7\u00e3o a riscos legais, financeiros e reputacionais.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Com o avan\u00e7o dos leil\u00f5es de baterias, projetos de armazenamento entram no radar de investidores e empresas do setor. Nesse cen\u00e1rio, o seguro garantia se torna uma ferramenta estrat\u00e9gica para reduzir riscos, atender exig\u00eancias contratuais e ampliar a seguran\u00e7a financeira dos empreendimentos.<\/p>\n","protected":false},"author":1,"featured_media":21243,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[83],"tags":[95],"class_list":["post-21237","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-leis-e-normas-setoriais","tag-legislacao"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Resolu\u00e7\u00e3o CVM 245: o que muda para as empresas<\/title>\n<meta name=\"description\" content=\"Alinhada \u00e0s recomenda\u00e7\u00f5es do GAFI, resolu\u00e7\u00e3o 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