最新2026年02月14日リアルなCCAS試験問題集解答で有効なCCAS問題集PDF
ACAMS CCAS試験問題集でPDF問題とテストエンジン
ACAMS CCAS 認定試験の出題範囲：
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質問 # 46
What is "hash rate" in blockchain?
- A. The transaction fee rate.
- B. The speed at which wallets are created.
- C. The computational power used for mining.
- D. The block size limit.
正解：C
解説：
Hash rate measures computational power in Proof-of-Work blockchains; higher hash rates mean more secure networks against 51% attacks.
質問 # 47
To identify and assess the money laundering risks emerging from virtual assets, countries should ensure that virtual asset service providers are: (Select Two.)
- A. Subjected to AML regulations
- B. Evaluated for beneficial ownership of virtual asset clients
- C. Located in a jurisdiction with increased regulatory expectations
- D. Connected with a regulated financial institution.
- E. Maintaining effective monitoring systems.
正解：A、E
解説：
To effectively mitigate money laundering risks in the virtual asset sector, countries must ensure that Virtual Asset Service Providers (VASPs) are subject to AML regulations (B), which provide the legal framework for risk-based customer due diligence and reporting suspicious activities. Additionally, VASPs must maintain effective monitoring systems (C) that enable the detection and reporting of suspicious transactions.
While connection to regulated financial institutions (A) and beneficial ownership evaluation (E) are important components of AML frameworks, the foundational requirements per FATF and DFSA guidance focus on regulatory oversight and operational controls.
Jurisdictional regulatory expectations (D) influence enforcement but do not replace the need for direct AML regulatory application on VASPs.
質問 # 48
Which token type should be considered as carrying the highest risk when assessing the AML risks related to the customer's source of funds?
- A. Stablecoin
- B. Security
- C. Platform
- D. Privacy
正解：D
解説：
Privacy tokens are specifically designed to obfuscate transaction details such as sender, recipient, and amounts, making them inherently high risk for money laundering and terrorist financing. Their anonymity-enhanced features pose significant challenges to AML efforts.
Stablecoins (B), platform tokens (C), and security tokens (D) have varying risk profiles but generally provide more transparency or are subject to regulatory frameworks, reducing inherent AML risk compared to privacy tokens.
FATF and DFSA AML frameworks highlight privacy tokens as a priority for enhanced due diligence and risk mitigation due to their abuse potential.
質問 # 49
A virtual asset service provider (VASP) is using public information on the blockchain to trace a wallet address. Which additional step is necessary to identify the owner or controller of that address?
- A. Screen the wallet address for any historical transaction activity.
- B. Acquire information to connect the wallet address to a natural person.
- C. Review the wallet address information periodically.
- D. Obtain further information connecting wallet address to virtual asset transactions.
正解：B
解説：
Public blockchain data is pseudonymous, meaning wallet addresses alone do not reveal the owner's identity. To identify the natural person controlling the wallet, the VASP must acquire additional information, typically through customer due diligence (CDD) processes or data obtained from exchanges and counterparties, linking the wallet address to an individual.
Periodic review (A), transaction screening (C), and obtaining transactional data (D) support ongoing monitoring but do not alone establish identity.
AML and FATF guidance emphasize that ownership linkage requires collecting identifying information beyond blockchain data to comply with AML regulations.
質問 # 50
Which scenario most likely indicates potential active involvement of a customer in virtual asset related scam activities?
- A. Indirect sending to a scam cluster
- B. Direct sending to a scam cluster
- C. Direct receiving from a scam cluster
- D. Indirect receiving from a scam cluster
正解：B
解説：
Direct sending to a scam cluster indicates active involvement by the customer in potentially transferring funds associated with fraudulent activities. Sending funds directly to known scam addresses is a strong indicator of complicity or direct engagement.
Indirect flows (A and B) could be less conclusive, and direct receiving (D) may indicate victimhood rather than active involvement.
AML typologies and DFSA guidance identify direct outgoing transactions to scam clusters as significant red flags.
質問 # 51
Which statement describes what a staff member should do If suspicious activity is identified?
- A. Report the suspicious activity immediately to the designated Money Laundering Reporting Officer
- B. Report the suspicious activity immediately to the financial investigation unit.
- C. Monitor the customer's transactions for the next 6 months to analyze the customer's behavior
- D. Inform the customer of concerns about the suspicious activity to obtain clarification.
正解：A
解説：
Staff must report any suspicious activity immediately to the designated Money Laundering Reporting Officer (MLRO) or equivalent within their organization. The MLRO is responsible for assessing the suspicion and deciding on escalation to the relevant authorities.
Informing customers (A) could compromise investigations. Reporting directly to financial investigation units (B) is not the staff member's role. Monitoring transactions without reporting (D) delays required action and risks regulatory non-compliance.
DFSA AML Module and FATF Recommendations emphasize timely internal reporting to designated officers as the first step in managing suspicious activity.
質問 # 52
Which is the discipline of risk management related to the risk of algorithms, machine learning, and artificial intelligence within the transaction monitoring and screening software that a virtual asset service provider acquires from a vendor?
- A. IT security risk management
- B. Operational risk management
- C. Model risk management
- D. Vendor risk management
正解：C
解説：
Model risk management is the discipline focused on managing risks arising from the use of models, including those based on algorithms, machine learning, and AI in transaction monitoring and screening software.
DFSA and global AML frameworks highlight the need for strong model risk governance to ensure accurate detection and compliance.
質問 # 53
In considering particular virtual asset products, services, or activities, which features should be considered by management?
- A. Ability to mingle funds within wider pools.
- B. Regulatory expectations.
- C. Transaction volumes.
- D. Ability for other virtual asset service providers (VASPs) to utilize the service to provide services to their own customers.
正解：A、B、C、D
解説：
Management must consider a comprehensive set of features when evaluating virtual asset products and services, including:
Ability for other VASPs to utilize the service (A): This increases risk exposure as services may be used indirectly by unknown parties.
Ability to mingle funds within wider pools (B): Mixing services or pooled wallets increase anonymity and laundering risk.
Regulatory expectations (C): Management must ensure compliance with all applicable laws and guidelines.
Transaction volumes (D): High transaction volumes can increase operational risk and require enhanced monitoring.
The DFSA AML and COB Modules, as well as FATF guidance, stress that a risk-based approach requires consideration of all these features in product/service risk assessments.
質問 # 54
Which blockchain type is accessible only to a single organization?
- A. Consortium
- B. Public
- C. Hybrid
- D. Private
正解：D
解説：
Private blockchains are controlled by a single organization with full access restrictions. This model is often used for internal record-keeping but lacks the decentralized trust of public chains.
質問 # 55
Based on Financial Action Task Force guidance, when a cryptoasset exchange carries out an occasional transaction, the exchange is required to conduct CDD when the transaction is above:
- A. USD/EUR 10000.
- B. USD/EUR 15000.
- C. USD/EUR 1000.
- D. USD/EUR 5000.
正解：A
解説：
FATF guidance sets the threshold for Customer Due Diligence (CDD) on occasional transactions at USD/EUR 10,000 or equivalent. This means that when a cryptoasset exchange processes a one-off transaction exceeding this amount, it must apply appropriate CDD measures.
This aligns with FATF Recommendation 10 and is adopted by DFSA and FSRA frameworks governing virtual asset service providers, ensuring transactions over this limit are subject to identity verification and risk assessment.
Extracts from AML and COB modules emphasize this threshold as the trigger for CDD on occasional transactions to prevent laundering through high-value single transfers.
質問 # 56
Which of the following are functions of cryptoasset mining? (Select Two.)
- A. Ensuring the security of the network
- B. Optimizing and improving the functionality of the network
- C. Validating transactions on the blockchain
- D. Generating new cryptoassets
正解：C、D
解説：
Mining generates new cryptoassets (A) by rewarding miners for solving complex cryptographic puzzles. It also validates transactions on the blockchain (D) by confirming and recording them in blocks, ensuring the integrity of the ledger.
While mining indirectly contributes to network security, the core security mechanisms involve consensus protocols beyond mining alone (B). Optimizing network functionality (C) is usually a development task rather than a mining function.
質問 # 57
In the context of forensic cryptocurrency investigations, which statement best describes how attribution data are collected?
- A. Taken from business-maintained records.
- B. Gathered from a publicly available blockchain.
- C. Derived from public and non-public sources.
- D. Obtained automatically from the darknet.
正解：C
解説：
Attribution data involves linking blockchain addresses to real-world entities, which is derived from a combination of public sources (blockchain explorers, public databases) and non-public sources (law enforcement databases, commercial analytics, exchange records).
Relying solely on blockchain data (C) or darknet sources (D) is insufficient. Business records (A) are part of non-public sources.
DFSA and FATF AML guidance underscore the multi-source approach for effective forensic attribution.
質問 # 58
A customer who runs a cryptoasset automated teller machine (ATM) comes into a financial institution and deposits a larger than usual amount. When asked about the deposit, the customer answers there has been broader adoption of cryptoassets in the region where the ATM is located. Which additional information about the business would indicate high risk for money laundering? (Select Two.)
- A. The cryptoasset ATM was recently licensed.
- B. The region is located within a high-risk jurisdiction.
- C. The region is neighboring with a narcotic-producing jurisdiction.
- D. The cryptoasset ATM supports a variety of cryptoassets.
- E. The volume and the number of users increase.
正解：B、C
解説：
Money laundering risk increases if the business operates in or near high-risk jurisdictions (D) or regions associated with narcotics production (C), as these are common sources of illicit funds.
An increase in volume and users (A) or supporting various cryptoassets (B) alone does not necessarily increase ML risk. Recent licensing (E) may indicate regulatory compliance, potentially lowering risk.
質問 # 59
Which operational risk mitigation practice by virtual asset service providers (VASPs) is most effective when considering their relationships with other VASPs?
- A. Assigning all such relationships as high risk and conducting enhanced due diligence on all of them
- B. Developing cross-border correspondent relationships with cryptoasset exchanges in jurisdictions that have weak or non-existent anti-money laundering (AML) regulation or supervision
- C. Gathering sufficient information on the counterpart VASP to determine the quality of the supervision it receives for transactional activities
- D. Having no requirement to establish a correspondent relationship and build a risk assessment framework among other cryptoasset exchanges prior to transferring for or on behalf of another person
正解：C
解説：
Effective risk mitigation requires VASPs to obtain sufficient information about counterpart VASPs to assess the quality of their regulatory supervision and controls. This helps determine the risk of transactions and build a risk-based framework for correspondent relationships.
Having no requirements (A) or engaging with poorly regulated jurisdictions (B) increases risk. Blanket high-risk classification (C) without proper assessment is inefficient.
FATF Recommendation 15 and DFSA guidance emphasize due diligence on counterparties as a critical control.
質問 # 60
Which privacy-enhancing feature hides both the sender and receiver in a transaction?
- A. Ring signatures
- B. Proof-of-Authority
- C. Token swap
- D. Multi-sig
正解：A
解説：
Ring signatures, used in Monero, blend a sender's transaction with others to obscure sender identity, increasing AML risk.
質問 # 61
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