최신 CAMS 무료덤프 - ACAMS Certified Anti-Money Laundering Specialists

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

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

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

A. To issue binding standards that establish consistently operated Financial Intelligence Units in memberjurisdictions.

B. To provide best practices for financial institutions on how to report suspicious activity to best share theinformation with law enforcement.

C. To find ways to promote the development of Financial Intelligence Units and the sharing of expertise.

D. To safeguard the financial system from illicit use and combat money laundering and promote nationalsecurity.

A. Ask for an extension to review the FI'sprivacy policyandconfidentiality policybefore providing any information under the law enforcement request.

B. Designate a person responsible for theinternal investigationin preparation of documents for the request.

C. Keepsenior management informedat all times to strategically organize a defense toterminate the law enforcement request.

D. Verify the officer's identification and ask for the law enforcement request to be served when theChief Executive Officeris available to sign for it.

A. There is a change in ownership structure.

B. The country of incorporation has been elevated to high-risk.

C. The client refuses to update information.

D. The client is a politically exposed person.

A. All U.S. citizens and permanent residents regardless of where they are located, all U.S.-incorporated entities and their foreign branches, and all individuals and entities within the United States.

B. All U.S. citizens except those with dual nationality, U.S. permanent residents, all U.S.-incorporated entities, and all individuals within the United States.

C. All U.S. citizens and permanent residents regardless of where they are located, all U.S.-incorporated entities excluding their foreign branches, and all individuals and entities within the United States.

D. All U.S. citizens and permanent residents while located in the U.S., all U.S.-incorporated entities and their foreign branches, and all individuals within the United States.

A. AML and Data Protection Privacy laws should not be mutually exclusive.

B. During evidence gathering, privacy laws are less important than local AML laws.

C. Terrorist financing is more relevant in the context of data protection and supersedes laws.

D. Countries should clarify where AML and Data Protection Privacy laws are not balanced.

A. An investigator does not complete the automated transaction monitoring system alerts assigned to them before the time required by company procedures.

B. A relationship manager advocates for overriding the results of the company's client risk rating model that resulted in a client's high-risk rating.

C. An If employee shares information about a firm's risk management framework with employees of other firms at an industry convention.

D. A relationship manager makes an exception to company policy and proceeds with onboarding a customer without documenting a passport for customer identification

A. The customers always visit together.

B. The funds are being sent to the same recipient each week.

C. The customers always visit the same agent.

D. The dollar amount of each transaction is just below the record keeping threshold.

A. Verify the customer is not on any sanction lists.

B. Obtain information on the intended nature of the banking relationship.

C. Secure a written declaration from the customer confirming the source of the funds.

D. Identify shareholders listed on the stock exchange of corporate entities holding fifty percent of the shares.

A. Companies producing pharmaceutical products and medical devices, companies active in the mining industry

B. Companies operating retail shops countrywide

C. Companies operating in cash intense businesses subject to licensing requirement

D. Companies operating in cash intense businesses not subject to licensing requirement

E. Companies operating hospitals and health-care services

A. Payable through accounts

B. Correspondent banking

C. Legal persons and arrangements

D. Gatekeepers

A. U-turn payment

B. Cover payment misuse

C. Layering

D. Wire stripping

A. Offer the customer a more secure method of depositing in the hope of learning something more during the conversation

B. Close the account

C. File a suspicious transaction report with the Financial Intelligence Unit

D. Notify the anti-money laundering specialist of his bank, but do not call the customer

A. A corporation owns several affiliates and recently opened separate group life insurance policies for each ofthe affiliates.

B. A client from a high-risk jurisdiction recently purchased property insurance for a real-estate development.

C. A client paid the quarterly life insurance premium using money orders from two different banks.

D. A client established a $100,000 charitable annuity with a non-profit organization that provides health andsafety assistance internationally.

A. Wash Trading

B. Net Trading

C. Market Manipulation

D. Ponzi scheme

A. Investigate and report suspicious activity only for the correspondent bank's clients

B. Incorporate suspicious activity monitoring into periodic reviews

C. Incorporate due diligence results such as customer risk ratings

D. Utilize downstream correspondents to investigate and report suspicious activity

A. a member of senior management

B. a qualified independent party/auditor

C. the anti-money laundering specialist

D. the regulatory authorities