CAMS試験無料問題集（762題）「ACAMS Certified Anti-Money Laundering Specialists 認定」

出題：1

An AML specialist at a financial institution is presented with a search warrant. Which actions should be taken to comply with the search? (Select Two.)

A. Remember what items the agents have seized and taken from the premise.

B. Proactively ask the agents as many questions as time allows.

C. Record the names and affiliations of the agents who conduct the search.

D. Obtain a copy of the warrant or photocopy the original warrant.

E. Leave the premises to allow the agents to conduct the search.

正解：C,D 解答を投票する

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出題：2

A long-term client of an insurance company makes changes to a policy that require payment of an additional lump sum. The amount payable is high, though within the client's means based on the KYC information collected. The payment is made via a company in another jurisdiction that is known to have lax AML controls. Which indicator of suspicious activity is present?

A. The payment was made via a company that appears to be owned and controlled by the client being insured.

B. The additional premium payable appears to be within the client's means based on the KYC information collected.

C. A long-term client wants a change to a policy that is already in force.

D. The payment was made via a company in a jurisdiction known to have lax AML controls.

正解：D 解答を投票する

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出題：3

The local manager of a remote mortgage origination department of a financial institution has just discovered that sanctions screening of new customers is not being performed.
Which action should the local manager take in this situation?

A. Immediately inform the regulators

B. Start screening new customers

C. Do nothing because the department only handles a very small number of mortgages

D. Immediately inform senior management

正解：D 解答を投票する

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出題：4

A large cash deposit most likely reflects money laundering when it is
1. from a customer who has never conducted a transaction in cash before.
2. transacted in segments smaller than the reporting thresholds at various times during the day.
3. followed by an immediate wire transfer to an offshore secrecy haven.
4. by a customer who operates a cash-based business.

A. 2, 3, and 4 only

B. l, 2, and 4 only

C. 1, 3, and 4 only

D. 1, 2, and 3 only

正解：D 解答を投票する

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出題：5

When should the anti-money laundering risk assessment be updated?

A. After a merger or acquisition

B. When the board of directors changes

C. Every two years

D. When instructed to by the Financial Action Task Force

正解：A 解答を投票する

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出題：6

According to the Financial Action Task Force methodology, which situations would require a financial institution (FI) to consider filing a suspicious activity report?

A. A FI is unable to verify the relevant customer due diligence documents.

B. A beneficiary of a transaction is a politically exposed person.

C. A FI identifies the payer is a dealer in precious metals or stones.

D. A transaction involves funds exchanged from crypto to fiat currencies.

正解：B 解答を投票する

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出題：7

The Board of Directors for a small private bank has asked the management to no longer apply the identity requirements for high net worth individuals to protect their privacy. Which of the following Financial Action Task =once 40 Recommendations should cause an anti-money laundering specialist the most concern?

A. Financial institutions should maintain all necessary suspicious transaction report records on transactions, both domestic are international, for at least 5 years.

B. If financial institutions suspect that funds stem from criminal activity, they should be required to close the account.

C. Financial institutions should not warn their customers when information relating to them is being reported to the competent authorities.

D. Financial institutions should not keep anonymous accounts.

正解：A 解答を投票する

出題：8

The owner of a local retail store makes multiple deposits daily at a bank. When the owner makes these deposits, it is noted that he goes to different tellers (cashiers). The deposits consist of cash in amounts less than the currency reporting threshold. Which of the following best describes this activity?

A. layering

B. integration

C. structuring

D. commingling

正解：D 解答を投票する

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出題：9

Which red flag should a compliance officer prioritize first for investigation?

A. A convenience store cashes government checks for its customers in amounts less than $1,000 USD per day.

B. A customer has 20 monthly transactions that are repetitive but less than $500 USD per transaction.

C. A loan is paid off in full with cash after the sale of the vehicle that was used as collateral for the loan.

D. Several cross-border transfers are received and immediately wired to another beneficiary.

正解：D 解答を投票する

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出題：10

A bank is preparing for a regulatory exam after a previous regulatory exam identified weaknesses in its AML program. Since the last exam, the bank has:
Improved its written AML program
Hired an experienced AML compliance officer
Demonstrated a stronger culture of compliance
Focused on clearing its transaction monitoring case backlog and enhancing its sanctions screening program Which of the following are correct? (Select Two.)

A. The bank may face civil or criminal penalties if it is unable to demonstrate sustained improvement in addressing the previous concerns.

B. The regulatory agency may require the bank's board of directors to publicly share the actions taken to address the previous concerns in order to limit its reputational risk.

C. The bank is likely to face secondary sanctions from global financial institutions despite addressing many of the previous concerns.

D. The bank is protected from reputational risk arising from any regulatory action because regulatory orders must remain confidential.

E. The bank may face the risk of regulatory orders to remediate its AML program despite addressing many of the previous concerns.

正解：A,E 解答を投票する

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出題：11

A bank located in New York has identified suspicious transactions at a correspondent bank in ChinA. For one of the international customers, the correspondent bank is not following agreed upon protocols.
Which factor indicates that the bank should terminate the relationship?

A. The compliance officer at the correspondent bank is currently being investigated due to bribery allegations.

B. The primary institution has requested transactional details from the correspondent bank to aide in their investigation.

C. The correspondent bank has opened branches in a country on the Office of Foreign Assets Control list.

D. The correspondent bank has recently exceeded acceptable limits in the primary banks' recently developed risk model.

正解：C 解答を投票する

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出題：12

Which method do terrorist financiers use to move funds without leaving an audit trail?

A. Casa de cambio

B. Extortion

C. Cash couriers

D. Virtual currency

正解：C 解答を投票する

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出題：13

Before providing suspicious activity report documentation to an authorized requestor, the institution should first:

A. independently verify the requestor.

B. notify outside counsel.

C. de request a subpoena.

D. contact a local financial intelligence unit for authorization.

正解：A 解答を投票する

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出題：14

What are two legal risks of having inadequate privacy policies and procedures? (Choose two.)

A. Charges of deceptive business practices

B. Higher marketing and public relations costs

C. Industry of regulatory sanctions

D. Diminished reputation

正解：A,C 解答を投票する

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出題：15

Which is a valid extraterritorial effect of the USA PATRIOT Act?

A. Any deposits into foreign banks are not considered to have been deposited into any interbank account the foreign bank may have in the US.

B. Financial institutions are allowed to specifically direct client transactions that move their funds into, out of, or through an internal bank concentration account ^

C. Broker-dealers cannot have correspondent accounts with a foreign bank that does not have a physical presence in any country.

D. Foreign branches of US banks can maintain correspondent accounts with banks that do not have a physical presence in any country.

正解：C 解答を投票する

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出題：16

A customer puts high-denomination cash notes into a poker machine at a casino. Without placing any bets, the customer collected winnings in the form of a check from the casino.
Which money laundering threats could result from the customer's activities?

A. Micro-structuring cash

B. Legitimizing illicit funds

C. Obscured beneficial ownership

D. Misuse of money service business

正解：B 解答を投票する

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出題：17

An anti-money laundering specialist is employed by a large multi-national bank. The bank is planning to open an international department that will be responsible for expanding services to various countries. The head of the new international department has asked the specialist to assess risks associated with the bank's expansion plans. Which of the following materials should be included as a reference?
1. USA PATRIOT Act
2. Financial Action Task Force 40 Recommendations
3. Customer Due Diligence for Banks issued by the Basel Committee on Banking Supervision
4. The Egmont Group Statement of Purpose

A. 2, 3, and 4 only

B. 1, 2, and 4 only

C. 1, 3, and 4 only

D. 1, 2, and 3 only

正解：A 解答を投票する

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出題：18

To ensure the independence of an audit for an AML program those involved in the audit would best be described as being:

A. not involved in the organization's suspicious activity report filing process and having a reporting line to the board of directors or committee thereof.

B. not involved in the organization's suspicious activity report filing process and having a reporting line to the organization's Chief Executive Officer

C. not Involved in the organizations AML compliance program and having a reporting line to the board of directors or committee thereof

D. not involved in the organizations AML compliance program and having a reporting line to the organization's Chief Executive Officer

正解：C 解答を投票する

出題：19

How should a compliance program respond to an AML audit finding?

A. By nominating an independent party to implement the corrective action

B. By giving recommendations for each finding as part of an audit report

C. By closing the accounts that were subject to findings

D. By using the findings to identify and assess their money laundering risk

正解：D 解答を投票する

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出題：20

The anti-money laundering specialist of a small bank has identified suspicious activity at a branch located in an area of town where drug dealers are known to operate. An investigation of this activity discloses that the suspicious transactions occurred within the last 3 months and were processed by the same teller (cashier). The teller (cashier) did not file an internal report of unusual activity on these transactions. When checking personnel files, the specialist finds that the teller (cashier) has been a trusted employee for over 15 years, has an impeccable work record, and has participated in several anti-money laundering training sessions. The specialist recently became aware that the employee's daughter has contracted a rare disease and is undergoing a very expensive treatment program. Regarding the teller's (cashier's) failure to report the unusual activity to the institution, the specialist should recommend

A. Continuing to monitor the accounts.

B. Suspending the teller's (cashier's) employment.

C. Directing the teller (cashier) to file a suspicious transaction report.

D. Refreshing anti-money laundering training for the teller (cashier).

正解：C 解答を投票する

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CAMS試験無料問題集「ACAMS Certified Anti-Money Laundering Specialists 認定」