{"id":365,"date":"2023-11-06T09:08:17","date_gmt":"2023-11-06T12:08:17","guid":{"rendered":"https:\/\/smladvocacia.com.br\/?p=365"},"modified":"2023-11-06T09:08:17","modified_gmt":"2023-11-06T12:08:17","slug":"perfil-do-cliente-bancario-pode-determinar-operacoes-de-fraude","status":"publish","type":"post","link":"https:\/\/smladvocacia.com.br\/index.php\/2023\/11\/06\/perfil-do-cliente-bancario-pode-determinar-operacoes-de-fraude\/","title":{"rendered":"Perfil do cliente banc\u00e1rio pode determinar opera\u00e7\u00f5es de fraude"},"content":{"rendered":"<p>Em recente decis\u00e3o, o Superior Tribunal de Justi\u00e7a entendeu que os Bancos t\u00eam que desenvolver mecanismos que avaliem quando as transa\u00e7\u00f5es realizadas destoem do perfil do cliente a fim de impedir a realiza\u00e7\u00e3o de fraudes banc\u00e1rias.<\/p>\n<p>Isto porque, nos termos do C\u00f3digo de Defesa do Consumidor, os Bancos t\u00eam responsabilidade objetiva em rela\u00e7\u00e3o \u00e0s fraudes cometidas por terceiros em rela\u00e7\u00e3o aos seus clientes, principalmente os idosos e hipossuficientes, cuja vulnerabilidade ultrapassa a do consumidor \u201ccomum\u201d.<\/p>\n<p>Segundo entendimento da Ministra Nancy Andrighi, ao disponibilizar aos clientes opera\u00e7\u00f5es de tomada de cr\u00e9ditos atrav\u00e9s das redes sociais, da internet, de aplicativos, as institui\u00e7\u00f5es financeiras t\u00eam &#8220;o dever de desenvolver mecanismos de seguran\u00e7a que identifiquem e obstem movimenta\u00e7\u00f5es que destoam do perfil do consumidor&#8221;.<\/p>\n<p>Acrescenta ainda que &#8220;A aus\u00eancia de procedimentos de verifica\u00e7\u00e3o e aprova\u00e7\u00e3o para transa\u00e7\u00f5es que aparentem ilegalidade corresponde a defeito na presta\u00e7\u00e3o de servi\u00e7o, capaz de gerar a responsabilidade objetiva por parte do banco\u201d.<\/p>\n<p>Assim, diante desse julgado, maior o \u00e2mbito de argumenta\u00e7\u00e3o aos clientes v\u00edtimas das fraudes cometidas por terceiros, notadamente quando as transa\u00e7\u00f5es em quest\u00e3o s\u00e3o muito divergentes e diferentes dos tipos de opera\u00e7\u00e3o que costumeiramente aquele consumidor adota na movimenta\u00e7\u00e3o de sua conta corrente, poupan\u00e7a, gastos com cart\u00f5es de cr\u00e9dito, etc.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-241\" src=\"https:\/\/smladvocacia.com.br\/wp-content\/uploads\/2023\/07\/paulo-lopes-sml-advocacia.jpg\" alt=\"paulo-lopes-sml-advocacia\" width=\"400\" height=\"400\" srcset=\"https:\/\/smladvocacia.com.br\/wp-content\/uploads\/2023\/07\/paulo-lopes-sml-advocacia.jpg 1080w, https:\/\/smladvocacia.com.br\/wp-content\/uploads\/2023\/07\/paulo-lopes-sml-advocacia-300x300.jpg 300w, https:\/\/smladvocacia.com.br\/wp-content\/uploads\/2023\/07\/paulo-lopes-sml-advocacia-1024x1024.jpg 1024w, https:\/\/smladvocacia.com.br\/wp-content\/uploads\/2023\/07\/paulo-lopes-sml-advocacia-150x150.jpg 150w, https:\/\/smladvocacia.com.br\/wp-content\/uploads\/2023\/07\/paulo-lopes-sml-advocacia-768x768.jpg 768w, https:\/\/smladvocacia.com.br\/wp-content\/uploads\/2023\/07\/paulo-lopes-sml-advocacia-146x146.jpg 146w, https:\/\/smladvocacia.com.br\/wp-content\/uploads\/2023\/07\/paulo-lopes-sml-advocacia-50x50.jpg 50w, https:\/\/smladvocacia.com.br\/wp-content\/uploads\/2023\/07\/paulo-lopes-sml-advocacia-75x75.jpg 75w, https:\/\/smladvocacia.com.br\/wp-content\/uploads\/2023\/07\/paulo-lopes-sml-advocacia-85x85.jpg 85w, https:\/\/smladvocacia.com.br\/wp-content\/uploads\/2023\/07\/paulo-lopes-sml-advocacia-80x80.jpg 80w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/p>\n<p><strong>Autor: Paulo Henrique da Rocha Lopes, Advogado inscrito na OAB\/SP sob n.\u00ba 417.187<\/strong> \u2013 <a href=\"https:\/\/smladvocacia.com.br\/\">S\u00f3cio do Escrit\u00f3rio Silva Magalh\u00e3es e Lopes Advogados Associados.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Em recente decis\u00e3o, o Superior Tribunal de Justi\u00e7a entendeu que os Bancos t\u00eam que desenvolver mecanismos que avaliem quando as transa\u00e7\u00f5es realizadas destoem do perfil do<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":363,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,5],"tags":[10,72,73],"class_list":["post-365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artigos","category-noticias","tag-direito-bancario","tag-direito-consumidor","tag-fraudes-bancarias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Perfil do cliente banc\u00e1rio pode determinar opera\u00e7\u00f5es de fraude - SML Advocacia<\/title>\n<meta name=\"description\" content=\"Em recente decis\u00e3o, o STJ entendeu que os bancos 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