최신 CAMS 무료덤프 - ACAMS Certified Anti-Money Laundering Specialists

문제1

the Financing of Terrorism (CFT)]
What is the appropriate compliance control for identifying politically exposed persons (PEPs) according to the Basel Committee's paper on Customer Due Diligence for Banks?

A. Reviewing relationships at account opening and on a periodic basis

B. Reviewing when a relationship is established

C. Determining that a local figure is a PEP

D. Requiring that the customer discloses that they are a PEP or an associate of a PEP

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제2

Combating the Financing of Terrorism (CFT)]
Whichpersons must always comply with all Office of Foreign Assets Control (OFAC) regulations?
(Select Three.)

A. Permanent U.S. resident aliens regardless of location.

B. Merchants that offer U.S.-origin goods for sale regardless of location.

C. U.S.-incorporated entities and their foreign branches.

D. Non-U.S. financial institutions that offer accounts in USD regardless of location.

E. U.S. citizens regardless of location.

정답: A,C,E

설명: (DumpTOP 회원만 볼 수 있음)

문제3

The new compliance officer has reviewed the bank's anti-money laundering training program. The program consists of online training for all new employees within 30 days of hire date and annual refresher training to all employees. In addition, there is specialized training for areas that deal with higher risk products and customers.
Over the last year, there have been no regulatory changes and no new products or services have been introduced. The compliance officer wants to propose to the board of directors that the annual refresher training is still current and can be delivered unchanged to all employees.
Which two critical pieces of information could be missed by taking this approach? (Choose two.)

A. Links to enforcement actions identifying violations in other financial institutions

B. Changes to internal policies, procedures, and processes

C. Any new trends, developments, or risks

D. Results of the previous year's risk assessment

정답: A,C

설명: (DumpTOP 회원만 볼 수 있음)

문제4

Private investment companies are potentially vulnerable to money laundering because:

A. they transact shares that are not traded on a stock exchange.

B. they exist in offshore jurisdictions with tight secrecy laws to protect the privacy of their owner(s).

C. they are shell companies formed to maintain a client's confidentiality.

D. It can be difficult to identify the people who are the ultimate beneficial owners.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제5

What are two risks to institutions for violating anti-money laundering laws as demonstrated by the 2012 HSBC settlement with United States authorities? (Choose two.)

A. Imprisonment of bank employees

B. Civil money penalties

C. Forfeiture of assets

D. Loss of bank charter/license

정답: B,C

설명: (DumpTOP 회원만 볼 수 있음)

문제6

Combating the Financing of Terrorism (CFT)]
Which is a key reason why a financial institution (FI) conducts an enterprise-wide AML risk assessment?

A. The identification of specific risk categories (i.e., export, inactivity, layman, and false locations) unique to the bank.

B. The need to understand its overall budget needs for each department and for internal audit.

C. The board of directors and senior management are required to have an AML risk assessment for the bank.

D. The need to assess money laundering and terrorist financing risks and ensure there are adequate controls to mitigate those risks.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제7

the Financing of Terrorism (CFT)]
AFinancial Intelligence Unit (FIU)in a countryhas received a SARinvolving significantsuspicious fund transfers, not only within its jurisdiction but also in aforeign country. Furtherinformation is requiredfrom the foreign country to determine whether the matter needs to be referred for prosecution locally.
Which of the following statements istruein this scenario?

A. Countries that are members of the Egmont Group can request assistancefor information from each other.

B. It isagainst international lawson data protection to access information from foreign countries.

C. Sovereignty of nations means thatinformation cannot be accessed from foreign countries.

D. Any information related to money laundering can bereceived from any organization at anytime, regardless of jurisdiction.

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제8

A company is endorsing the execution of terrorism through different activities, such as developing content for pro-terrorist television messages, encouraging the support of terrorist activities via the web, advertising the use of cryptocurrencies, and payingproducers and reporters for television and web messaging. What specific action should be considered financing of terrorism?

A. Encouraging supportive web messages

B. Developing pro-terrorist content

C. Advertising the use of cryptocurrencies

D. Paying producers and reporters for television and web messaging

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제9

Combating the Financing of Terrorism (CFT)]
A financial institution accepts new on-line customers. After customers have provided acceptable identification, the institution should next

A. Closely monitor the account for 30 days.

B. Obtain an electronic picture of each customer.

C. Establish the account based on the information provided.

D. Confirm the validity of the customer information.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제10

A customer living in a high-risk jurisdiction makes frequent, large cash deposits at a bank. The same customer sends small wire transfers to unrelated parties in other high-risk jurisdictions.
What are two red flags that may indicate money laundering? (Choose two.)

A. The bank allows cash deposits

B. Wire transfers are to high-risk jurisdiction

C. The client resides in a high-risk jurisdiction

D. Large cash deposits are from a high-risk jurisdiction

정답: B,D

설명: (DumpTOP 회원만 볼 수 있음)

문제11

Combating the Financing of Terrorism (CFT)]
Whichmeasures should financial institutions (FIs) take when complying with sanctions requirements?

A. Freeze the funds or assetsof designated persons and entities once this decision is approved by the board.

B. Adopt automatic screening systemsto detect designated persons and entities.

C. Change the risk profile to "high-risk"if an existing customer becomes a sanctioned entity and continue monitoring further transactions.

D. Conduct enhanced due diligence (EDD)for prohibited entities on the sanctions list.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제12

A typical red flag regarding potential money laundering in connection with an art purchase occurs when a customer:

A. asks to pay in installments and pays from two differently named accounts.

B. pays more at an auction for a painting than the estimated maximum price.

C. buys a painting as an anonymous bidder and provides the source of wealth.

D. asks to pay a large amount in cash without a comprehensible reason.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제13

A financial institution is reorganizing and the anti-money laundering officer is now required to report to the Sales Director. Which of the following statements about this situation is most correct?

A. The anti-money laundering officer should be elevated to a position on the Board.

B. The anti-money laundering officer should be independent of business functions.

C. The reorganization will enhance the compliance framework.

D. The reorganization will ensure communication of anti-money laundering issues to the board.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제14

When implementing a risk-based approach related to casinos, which risks are related to the customer as an individual? (Choose two.)

A. Transfer between customers

B. Casual customers

C. Customer from a high-risk country

D. Use of casino deposit accounts by the customer

E. Improper use of third parties as customers

정답: B,C

설명: (DumpTOP 회원만 볼 수 있음)

문제15

Which of the followingindicates potential money laundering activity by a lawyer?

A. A lawyer'strust account regularly receives wire transfers from unknown remittersfrom a higher- risk country andimmediately transfers the same amountof funds to a known beneficiary's account in a low-risk country.

B. A lawyer'strust account receives a large-value wire transferfrom aregulated insurance company and immediately transfers the same amount of funds received to the beneficiary's bank account in a low- risk country.

C. A lawyer'strust account receives a large wire transfer depositfrom a client that wanted to purchase a piece of property and then transfers the same amount to the property seller's lawyer's trust account.

D. A lawyerlocated in a higher-risk country deposits their firm's bank draftissued from their trust account to another lawyer's trust account located in a low-risk country for legal services rendered.

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제16

the Financing of Terrorism (CFT)]
The branch manager calls the compliance officer and informs her that a law enforcement officer has just left the branch and was asking a lot of questions and left a business card.
What should the compliance officer do?

A. Verify that the reported officer was an actual authorized representative

B. Follow up to verify that the officer received all necessary information

C. File a suspicious transaction report

D. Require the branch manager to write a detailed memo about the request

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제17

the Financing of Terrorism (CFT)]
A compliance officer is reviewing transactions related to a company suspected of being involved in wildlife trafficking. Which of activities below are common in wildlife trafficking schemes? (Select Two.)

A. Activity involving politically exposed persons with environmental, game, or forestry oversight

B. Payment of transportation charges using a fraudulent financial instrument

C. Exchanging fiat currency to cryptocurrency to accomplish payment to the wildlife farm

D. Large dollar wire transfers between wildlife farms and firms operating in inconsistent lines of business

E. Customer requests payment of proceeds to an unrelated third party

정답: B,C

최신 CAMS 무료덤프 - ACAMS Certified Anti-Money Laundering Specialists

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