최신 CAMS 무료덤프 - ACAMS Certified Anti-Money Laundering Specialists

문제1

the Financing of Terrorism (CFT)]
The United Nations Security Council (UNSC) is empowered to impose sanctions regimes against countries and terrorist organizations.
Which statements are true regarding sanctions imposed by the UNSC? (Select Two.)

A. Member countries of the United Nations are expected to implement and enforce sanctions imposed by the UNSC

B. Direct breaches of sanctions imposed by the UNSC constitute a criminal offense in all member countries

C. Attempts to circumvent or evade sanctions imposed by the UNSC can constitute a criminal offense if designated under local laws and regulations

D. The UN can impose arms embargoes but cannot prohibit direct or indirect exports of other goods to specific countries

정답: A,C

설명: (DumpTOP 회원만 볼 수 있음)

문제2

the Financing of Terrorism (CFT)]
Alegal instrumentexecuted betweentwo nationsgoverningcross-border information sharingis called a:

A. Declaration of understanding

B. Mutual legal assistance treaty

C. Memorandum of understanding

D. Memorandum of agreement

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제3

Which of the following is the financial stage of money laundering?

A. structuring

B. placement

C. integration

D. off shoring

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제4

An account officer who maintains an excellent relationship with the finance manager for a correspondent bank customer learns that many records for the correspondent bank have been requested by law enforcement.
In the interest of maintaining a good relationship with the customer, the account officer sets up a meeting to discuss the legal request with the customer. The account officer intends to discuss points related to the investigation during this meeting. Which of the following should an anti-money laundering specialist recommend?

A. Limit discussions about the investigation with the customer and be satisfied that he has provided proper notice to the customer.

B. Discuss all the points being investigated by law enforcement to ensure the correspondent bank is well prepared when approached.

C. Let his manager know what conversations have taken place with the customer and docu-ment the account file accordingly.

D. The meeting should be cancelled as he has already behaved inappropriately by alerting the customer to the investigation.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제5

When deficiencies are identified in the Financial Action Task Force (FATF) mutual evaluation report, the assessed country needs to:

A. prepare a report to defend its position against the FATF secretariat, which is comprised of the assessors.

B. pay a penalty for the delay in adopting the FATF 40 recommendations accurately and timely.

C. address the shortcomings identified in the report and agree to post-assessment monitoring by FATF.

D. request exception from the relevant FATF-style regional body by submitting a report with the reasons.

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제6

the Financing of Terrorism (CFT)]
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. Implement enhanced due diligence procedures to monitor the account for suspicious activity.

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

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

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

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제7

A close relative of a privately-owned bank's senior manager requests to open an account. Because of this relationship, the staff expedites the opening of the account without following established account-opening procedures. Applying the Basel Committee on Banking Supervision principles, which of the following poses the highest operational risk?

A. The bank's exposure to politically exposed persons.

B. Not having appropriate information to share with Financial Intelligence Units.

C. The possibility of lawsuits that adversely affect the operations of a bank.

D. Failure to conduct proper due diligence.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제8

Combating the Financing of Terrorism (CFT)]
According to the Basel Committee on Banking Supervision, banks should deal with high-risk customers by:

A. assigning those customers to specified private bankers for better monitoring of their offshore transactions.

B. maintaining segregated records to enable easy inspection by law enforcement in case of a subpoena.

C. performing enhanced due diligence including enhanced ongoing monitoring of the account activity.

D. seeking approval from the board of directors before establishing the relationship.

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제9

A financial institution opens a mortgage loan for a customer. During a subsequent internal review of the loan, it was noted that the appraisal used to support the loan was performed by an appraiser who was not on the institution's approved appraiser list. This exception was approved by the senior loan underwriter. The reviewer, who had examined other loans from the same general area, noted that the value on the loan appeared significantly higher than on other comparable properties. Which of the following should the anti-money laundering specialist recommend next?

A. Train the appraiser on anti-money laundering compliance for high-end real estate loans.

B. Alert local law enforcement regarding a potential collusive relationship between the un-derwriter and appraiser.

C. Document the underwriter's actions prior to filing a suspicious transaction report.

D. Determine whether the loan underwriter reviewed the appraiser's license for validity.

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제10

the Financing of Terrorism (CFT)]
According to the Financial Crimes Enforcement Network, after an initial suspicious activity report has been filed for a customer, a financial institution must perform a continuing review of the account for a period of how many days?

A. 60 days

B. 90 days

C. 30 days

D. 120 days

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제11

One of the red flags of microstructuring is:

A. single activity in an account immediately following the opening of the account.

B. check deposits followed by ATM withdrawals using debt card in retail store.

C. depositing sequentially numbered checks.

D. frequent visits to make cash deposits of nominal amounts.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제12

Combating the Financing of Terrorism (CFT)]
Which response represents a high-level principle for FATF-Style Regional Bodies (FSRB)?

A. Membership, mission, financial procedures, and budget

B. Dependent with different experiences to strengthen the overall effort

C. Access to documents and assistance with meetings

D. Reciprocity for effective participation and recognition of work

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제13

What should an effective anti-money laundering training program include?

A. Computer-based modules titles differently for each job description in the bank

B. Random testing of employees to ensure proper understanding of policies

C. Real-life money laundering examples

D. Lists of anti-money laundering regulations

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제14

Whichred flag is most relevant to money laundering through capital markets?

A. A trading customer maintains a portfolio of securities concentrated in one specific emerging market.

B. A low-priced security sees a sudden spike in investor demand with a rising price.

C. A firm sees an unexpected increase in demand for electronically traded funds.

D. A security sees a transactional pattern of a steady decrease in both trading volume and prices.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제15

the Financing of Terrorism (CFT)]
What can a compliance officer do in the absence of automated software to conduct U.S. Department of the Treasury Office of Foreign Assets Control (OFAC) sanction screens?

A. Conduct a key-word search on the Internet

B. Use the consolidated Sanctions List Search screen on the OFAC website

C. Rely on a credit report from OFAC

D. Obtain up-to-date copies of the OFAC's Specially Designated Nationals list

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제16

What are the European Union Directives on Money Laundering?

A. They are written by the Wolfsberg Group

B. They are voluntary codes of best practice for the financial sector

C. They require members to implement certain laws of prevent money laundering

D. They require financial institutions to report suspicious activity to the Egmont Group in Brussels

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제17

the Financing of Terrorism (CFT)]
Which is a characteristic of the Financial Action Task Force (FATF) 40 recommendations?

A. They are automatically transposed into local law across the EU member states and the US.

B. They enable FATF's active engagement in law enforcement matters, investigations, or prosecutions.

C. They provide a list of mandatory requirements for an effective AML regulatory framework.

D. They comprise global standards for countering money laundering, recognized by government bodies across the world.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제18

In which situation can money laundering adversely affect a country's currencies and interest rates due to launderers investing dirty funds?

A. They invest in legitimate companies as a way of making their funds appear to be legitimate

B. They invest in high risk ventures with high rates of return

C. They invest in a way to hide funds rather than get a high rate of return

D. They invest in shell companies in secrecy havens that intentionally manipulate rates

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

최신 CAMS 무료덤프 - ACAMS Certified Anti-Money Laundering Specialists

우리와 연락하기

유용한 링크

최신 업데이트