JC
José Castro Mora
Managing Officer · Founder
Twenty years in private banking and trust administration. Former vice-president of fiduciary services at a Costa Rican private bank.
The Firm
An old-fashioned standard.
Triad is a private escrow firm in Costa Rica. We hold what is not ours, and we return it to whom it is owed — quietly, on time, in full.
Philosophy
Discretion is the entire business.
Triad was founded on a simple premise: in fiduciary work, the client should never have to wonder where the money is. Every transaction the firm holds is handled by a dedicated Transaction Manager and reviewed by a secondary compliance reviewer. Statements are issued on a fixed schedule, not on request.
We do not advertise. Our work arrives by referral — from counsel, from private banks, from the families and counterparties we have served. The brand cannot raise its voice; confidence is conveyed by what is not said.
The team
The people who answer the phone.
ME
Maria Elena Solano
Compliance Officer
Licensed AML / CFT specialist. Leads SUGEF reporting and counterparty screening for every matter the firm holds.
RA
Ricardo Arroyo Pacheco
Transaction Manager · Real Estate
Notary in good standing. Specialises in title-transfer escrow for cross-border residential and commercial transactions.
Milestones
A short, deliberate history.
- 2019Triad Fiduciaria S.A. is incorporated in San José.
- 2020Authorisation as a regulated fiduciary entity under SUGEF.
- 2022Expansion of trust account network to three principal banks.
Regulation & banking
Where the money sits.
Anti-money-laundering framework
Ley 7786 and the regulations issued under it.
The firm’s anti-money-laundering and counter-terrorism-financing obligations are managed by an in-house Compliance Officer. The applicable laws and regulations are listed below, with links to their official texts.
Trust accounts
Three principal Costa Rican banks. Funds are segregated from firm capital at all times and reconciled daily.
Bank names are disclosed under engagement and confirmed in your wire instructions.
Applicable regulation
- Ley 7786 — articles 15 and 15 bis
Costa Rica's anti-money-laundering and counter-terrorism-financing law. Articles 15 and 15 bis set the obligations, including registration with SUGEF, for non-financial activities such as administering third-party funds.
Official text ↗ - Acuerdo SUGEF 11-18
Regulation on the registration and deregistration with SUGEF of obligated subjects under articles 15 and 15 bis of Ley 7786.
Official text ↗ - Acuerdo SUGEF 13-19
Regulation on the prevention of money-laundering, terrorist-financing and proliferation-financing risk for obligated subjects.
Official text ↗ - Código de Comercio (Ley 3284)
Articles 633 to 662 govern the fideicomiso (trust) under Costa Rican law.
Official text ↗ - SUGEF registration lookup
SUGEF's public search to verify the registration status of any obligated subject.
Official text ↗
Engage
Begin a matter, on the record.
A Transaction Manager will respond within one business day.