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

出題：1

When creating an anti-money laundering program for a foreign bank with branches in the United States, which of the following are included among the four minimum elements required under the USA PATRIOT Act?
1. The development of a Know Your Customer program.
2. An ongoing employee training program.
3. The designation of a compliance officer.
4. An independent audit function to test the program.

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：2

A division anti-money laundering officer for a financial institution has been conducting a monthly self-assessment.
The officer reviews the accounts opened for compliance with a long standing Know Your Customer policy.
The self-assessment for the latest month shows a significant increase in compliance deficiencies for the first time in more than a year.
Which of the following is the next course of action for the anti-money laundering officer to take?

A. Inform the Board promptly of the Know Your Customer policy trend over the last 6 months.

B. Implement a revision to the account-opening training program.

C. Revise the policy to simplify Know Your Customer compliance before the report is issued.

D. Determine if there is a readily identifiable cause for the deficiencies.

正解：D 解答を投票する

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出題：3

A U.S. bank recently received a regulatory order to remediate its AML programs, which included several violations of law.
What degree of accountability is it possible for the bank's senior management and employees to face?

A. The bank's designated AML compliance officer is the only individual in the company's senior management team that can face personal liability for violation of AML laws.

B. The bank's designated AML compliance officer and senior management may face personal liability if they failed to take actions while aware of AML violations at the bank.

C. The bank's designated AML compliance officer is likely to face criminal prosecution because the bank received a regulatory order.

D. The bank's designated AML compliance officer and senior management can face civil prosecution but not criminal prosecution for violation of AML laws.

正解：B 解答を投票する

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出題：4

Which method is indicative of potential money laundering and terrorist financing activity?

A. An unknown client pays $1,000 in cash for an urgent transfer to a high risk country

B. A commercial client in the export business regularly receives wire transfers from high risk countries

C. Client converts 500 Euro in mixed denomination notes to small denomination U.S. bills in a single transaction

D. An unknown client purchases multiple monetary instruments for one person during the course of one day

正解：A 解答を投票する

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出題：5

Cybersecurity risk can result in identity theft by:

A. compromising individual's personal data.

B. issuing false passwords.

C. executing false transactions.

D. identifying bugs in personal data processors.

正解：A 解答を投票する

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出題：6

An existing customer has changed its business scope and jurisdictions it deals with. Which are the steps the bank needs to take to manage sanctions compliance risk for this customer?

A. Deploy an independent risk-based test to ensure the screening on this customer is effective.

B. Perform politically exposed person and negative media screenings.

C. Conduct further sanctions screening on the customer's directors and ultimate beneficial owners.

D. Collect further customer reference data and determine what must be screened and at which frequency.

正解：A,D 解答を投票する

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出題：7

A professional dealer in precious metals and stones in an EU country plans to implement measures to reduce the risk of being misused for money laundering purposes. Which measures are most relevant for achieving this goal? (Select Two.)

A. Limit direct contact between customer and employees.

B. Stop accepting cash payments in currencies other than Euro.

C. Only accept trades related to precious metal pool accounts maintained by sophisticated precious metal companies.

D. Limit the acceptance of purchases without adequate customer identification information.

E. Stop accepting payments from persons other than the beneficiary.

正解：D,E 解答を投票する

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出題：8

A school teacher recently opened a private banking account with a major bank. The customer indicated annual income of EUR 45,000 and listed her source of wealth as a EUR 1.5 million inheritance from relatives. The customer plans to invest EUR 12,000 to 15,000 earned annually from bearer bonds. The relationship manager verified the client's identity and documented all of the above information in the account file before opening the account. During a routine review of the account, several electronic fund transfers in excess of EUR 5 million each were made from a diamond distributor. The relationship manager also noticed that in each instance, the customer immediately transferred the funds to bank accounts in Hong Kong. Which of the following is appropriate for the anti-money laundering specialist to recommend?

A. Contact the competent authority and local law enforcement.

B. Suspend further customer transactions through the bank.

C. Arrange a meeting between the customer and legal department.

D. Investigate the source and purpose of the transactions.

正解：A 解答を投票する

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出題：9

Which statement about a multinational institution's ability to fully investigate unusual activity in all its foreign operations is correct?

A. Enterprise-wide compliance oversight rules issued in the global institution's headquarters country will override any local limitations in other countries.

B. Certain account documents may be stored only in local language which will prohibit a global assessment.

C. The institution should consult with the customer and request permission to conduct a full investigation into all the accounts.

D. Local privacy and data protection laws may prevent an affiliate from sharing information.

正解：D 解答を投票する

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出題：10

An anti-money laundering specialist has been hired by an independently-owned community bank to implement an anti-money laundering compliance program. This bank has recently seen a dramatic increase in the number of international electronic fund transfers from its commercial clients. The first thing the anti-money laundering specialist should do is

A. close all accounts which have had a dramatic increase in international electronic fund transfer activity.

B. file a suspicious transaction report on international customers receiving large electronic fund transfers.

C. conduct a risk assessment of the bank's international electronic fund transfer activity.

D. develop a new account questionnaire to quantify the level of risk for new international accounts.

正解：C 解答を投票する

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出題：11

A Financial Intelligence Unit (FIU) in a country has received a SAR involving significant suspicious fund transfers, not only within its jurisdiction but also in a foreign country. Further information is required from the foreign country to determine whether the matter needs to be referred for prosecution locally.
Which of the following statements is true in this scenario?

A. Sovereignty of nations means that information cannot be accessed from foreign countries.

B. Any information related to money laundering can be received from any organization at any time, regardless of jurisdiction.

C. Countries that are members of the Egmont Group can request assistance for information from each other.

D. It is against international laws on data protection to access information from foreign countries.

正解：C 解答を投票する

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出題：12

An auction house dealing in fine art and antiques sells a well-known painting at a price of $12 million to an agent bidding for a group of local investors. The same painting sold ten years prior at auction for $5 million. The auction house receives payment for the painting via wire transfer from an account maintained in an offshore jurisdiction by the investor group. No beneficial ownership information is available for the account.
What are the two money laundering red flags? (Choose two.)

A. An agent bids on the painting for a group of investors.

B. The painting has more than doubled its value in ten years.

C. The payment is received via wire transfer.

D. Lack of beneficial ownership details for the originating account.

E. Payment is received from an account in an offshore jurisdiction.

正解：D,E 解答を投票する

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出題：13

Which statement is true about when an institute becomes aware that a particular employee is under investigation by law enforcement as a result of a subpoena or warrant?

A. The employee can and should be interviewed, as well as notified of the investigation to demonstrate the seriousness of the offence and to get the employee's full attention and cooperation

B. If an independent investigation provides grounds to interview the employee, they can be interviewed and, if necessary, terminated buy not advised that they are under investigation

C. The institute has a duty as an employer to inform the employee he or she is under investigation by law enforcement, buy must not inform them that a warrant or subpoena has been received

D. Under no circumstances can the employee be interviewed by the institution without the consent of law enforcement for fear of tipping the employee off

正解：B 解答を投票する

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出題：14

A client has retained a lawyer to create a financial holding company. The lawyer resides in Europe. The client provides all requested documentation to the lawyer. However, the lawyer becomes suspicious that the customer is engaged in criminal activity and intends to use the financial holding company for money laundering purposes. Which of the following should an anti-money laundering specialist recommend according to the European Union Money Laundering Directives?

A. There is no need to file a suspicious transaction report, as this activity is covered by attor-ney-client privilege.

B. Consult with the competent authority to receive advice on how to handle the transaction.

C. Freeze the client's assets so that all records can be turned over to the competent authori-ties.

D. Report the activity as suspicious to the competent authority because the lawyer is covered by these directives.

正解：D 解答を投票する

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出題：15

Upon filing a suspicious transaction report, which of th€ following elements should be the highest anti-money laundering priority in making the decision to keep the account open?

A. Procedures to ascertain the potential risk to the organization.

B. Additional Administrative costs of monitoring the account.

C. Financial impact on the institution if the account is closed.

D. Total number of accounts the institution closed in the last month.

正解：A 解答を投票する

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出題：16

The owner of a real estate investment company deposits multiple cashier's checks that were bought using cash over a three-month period, from the sale of two apartments. This account also receives several electronic transfers from other financial institutions for 10.000 USD each. What activity is considered suspicious of money laundering?

A. Using cash to buy multiple cashier's checks over a period of time

B. Receiving electronic transfers for 10.000 USD amounts from other financial institutions

C. Using cashier's checks in the transactions with the real estate investment company's account

D. Performing operations with real estate investment companies

正解：A 解答を投票する

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出題：17

The board of directors receives notice from the primary regulator of the bank that potentially suspicious activity has been identified and the bank president appears to be involved. The Board asks the compliance officer for advice.
Which action should the compliance officer take when informed?

A. Inform the president of the regulator's suspicions and ask for his advice

B. Insist on the president's immediate resignation

C. Destroy all records relating to the matter

D. Inform the bank's legal counsel and follow their instructions

正解：D 解答を投票する

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出題：18

A company service provider in Country A sets up a corporate structure for a client from Country B, which is known for corruption. The corporate structure includes a holding company in Country A with a bank account in one of the international banks located there. During on-boarding, the client's wealth was estimated at 7.52 million USD. Shortly thereafter, the client's father became president of Country B During a routine client review two years later, it was identified that the client's wealth had grown to 510 million USD. Which are two red flags that indicate money laundering or financial terrorism? (Select Two.)

A. The holding company is in Country A with a bank account in one of the international banks.

B. The clients account has not been reviewed for 2 years.

C. The substantial growth in wealth during a short period of time.

D. The client is from a country known for corruption.

E. The client is a family member of a politically exposed person from a country known for corruption.

正解：C,E 解答を投票する

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出題：19

An individual opened an account with a minimal cash deposit at a financial institution. He presented a foreign passport and stated he would be working locally for a few months. He also requested information about making electronic fund transfers. The institution was subsequently unable to verify the employment or residence information provided by the individual. Soon after this, a large transfer was sent to the customer's account. Which of the following is the course of action recommended by the Basel Committee on Banking Supervision's Customer Due Diligence for Banks?

A. Post the deposit to the account and notify the customer that the deposit has been made.

B. Implement enhanced due diligence procedures to monitor the account for suspicious activity.

C. End the relationship by sending a check (cheque) to the customer for the full amount in the account.

D. Close the account and return the funds to the source from which they were received.

正解：B 解答を投票する

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出題：20

Which of the following customers require the most enhanced due diligence?

A. An established customer.

B. An international business corporation.

C. A resident of a non-cooperative jurisdiction.

D. A politically exposed person.

正解：D 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」