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質問 # 38
A prosecutor in Country X needs to obtain the legally admissible testimony of Person A who resides in the United States, related to an ongoing criminal investigation Person A is incapable ol traveling and will only provide testimony if compelled by a court order in the U.S. There is no bilateral or multilateral treaty or convention that facilitates mutual legal assistance between these two countries.
Which should the prosecutor submit to obtain the testimony of Person A?
- A. A Mutual Legal Assistance Treaty request
- B. A request for a production order
- C. A Letters Rogatory request
- D. A request for a litigation hold
正解：C
質問 # 39
A bank holds accounts for several different gatekeeper clients such as attorneys accountants and company formation agents II is conducting a periodic review of these accounts and updating their risk ratings.
Which two accounts should the bank consider to be at highest risk? Choose 2 answers
- A. An attorney whose practice specializes in cases involving maritime law in the international shipping industry
- B. A notary in Latin America who specializes in assisting clients from other countries with high-end real estate transactions
- C. A company formation agent that establishes private investment companies primarily for clients in Africa and Asia
- D. An accountant at a private accounting firm whose clients are large multinational agricultural corporations
正解：B、C
質問 # 40
A law enforcement agent is pursuing an asset recovery case against a defendant accused of running a multimillion-dollar securities fraud scam. The defendant is thought to have moved more than $25 million through a corporate brokerage account held by a corporation formed in Las Vegas. Nevada.
It is believed that funds were sent to accounts held by shell companies in the Netherlands and the Bahamas. It is also suspected that the defendant purchased luxury goods including several high-end sports cars with proceeds of the fraud. The vehicles are registered and tilled to a trust company with a mailing address that is a post office box in Delaware. The agent is attempting to connect the vehicles to the defendant to make the case that they should be seized.
Which item below would BEST support this effort?
- A. Records of outgoing funds transfers from the accounts of the shell companies in the Netherlands and Bahamas
- B. Records of incoming funds transfers received by the corporate brokerage account held by the Nevada corporation
- C. Contact information for a registered agent acting as trustee of the trust company that holds the vehicle titles
- D. An invoice from the shipping company for the cars that is addressed to the defendant
正解：D
質問 # 41
You have been askedtoreview Ihe annual report lor astartupcompanythatprovides digital identity verification services to online merchants. The company's founder has recently approached several groups of investors to sell a portion of his shares in the company, but after reviewing financial statements the investors had concerns over potential improper accounting to misrepresent the company's position and have asked you to review further.
Based on Ihe annual report it appears the company's total net position has increased each quarter for the past year Looking at sales records you determine a significant portion of the company's revenue comes from one client, a contract with a software development firm for $800,000 each quarter.
Whichfurtherfinding from the annual report and financial statements is Ihe BEST focus for your investigation?
- A. The company s largest expense is a quarterly payment of $790,000 for coding services
- B. The company lists an increase in expenses this year due to changes in overtime payment policies
- C. The company incurred a tax charge this year of over $120,000
- D. The company has a 10% increase in accounts payable year over year
正解：A
質問 # 42
You work in financial crime compliance for a money services business (MSB) with an international network of agents whose core business is handling remittance transactions. As part of your periodic update to your risk assessment you are reviewing payment corridors and customer types.
Which payment corridor is MOST likely to present the highest risk?
- A. Payments by seasonal agricultural workers from Canada to the Caribbean
- B. Payments by temporary visa holders in the tech industry from countries in the European Union to India
- C. Payments by small business owners from the US to Yemen
- D. Payments by domestic workers from theUnitedArab Emirates to the Philippines
正解：C
質問 # 43
How are trade price manipulation schemes used to launder criminal proceeds?
- A. By transferring value between related criminal enterprises through the fraudulent misrepresentation of the value of exported commodities
- B. By serving as a balancing mechanismtosettle payments between unregistered hawalas and other informal value transfer systems
- C. By transferring funds offshore through invoicing schemes for non-existent good and services
- D. By obscuring the money trail through offshore bond swaps and fraudulent letters of credit
正解：B
質問 # 44
In the context of Compliance Programs and Controls, which of the following statements best describes the purpose of an organizational overview of financial crime controls?
- A. To solely focus on regulatory compliance without considering business objectives.
- B. To facilitate efficient communication between different departments.
- C. To ensure strict adherence to internal audit procedures.
- D. To identify potential vulnerabilities and risks within the organization's operations.
正解：D
質問 # 45
A compliance officer at AirPlus a large aerospace firmthatproduces airplanes for commercial and military use was contacted by a director of one of the firm's business partners The director had concerns over potential irregularities in recent transactions and business dealings in matters connected to AirPlus and her company.
The business partners company is located in a country where state-owned enterprises are heavily involved in the airline industry AirPlus has recently wonseveral large contracts in the country to build airplanes for slate-owned enterprises.
The director of the partner company believes these contracts may have been secured through bribes paid by AirPlus to government officials and suspects that the recent unusual activity she has noted indicate her company was utilized in the bribery scheme.
The director has flagged four instances to bring to your attention Which is the BESTindicatorof bribery?
- A. The partner company recently appointed a new CEO whose prior experience involved managing a state-owned airline in another country
- B. The partner company recorded an increase in operating costs in financial statements in recent months and an increase in the number of employees ,
- C. The partner company received a series of zero-interest loans from the aerospace company with open-ended repayment terms in recent months
- D. Sales agents for the partner company received large bonuses after closing a deal to produce planes for the country's national airline in recent months
正解：C
質問 # 46
Mr. Patel, the head of compliance at a financial institution, is considering the use of technology to enhance sanctions compliance. Which of the following technological solutions would be most beneficial for improving the institution's sanctions screening process?
- A. Implementing artificial intelligence (AI) algorithms to automatically approve low-risk transactions.
- B. Deploying biometric authentication systems to verify the identity of customers during transactions.
- C. Utilizing blockchain technology to track and verify the identity of counterparties in real-time.
- D. Integrating machine learning algorithms to enhance the accuracy of sanctions screening systems.
正解：D
質問 # 47
During a training session on OFAC compliance, an employee asks about the consequences of processing transactions involving individuals or entities designated under OFAC sanctions programs. What is the most accurate response to the employee's inquiry?
- A. Processing transactions involving individuals or entities designated under OFAC sanctions programs is permissible if conducted through offshore accounts.
- B. Processing transactions involving individuals or entities designated under OFAC sanctions programs may result in both civil and criminal penalties.
- C. Processing transactions involving individuals or entities designated under OFAC sanctions programs may result in civil penalties but not criminal charges.
- D. Processing transactions involving individuals or entities designated under OFAC sanctions programs is permissible if authorized by senior management.
正解：B
質問 # 48
Ms. Yu is a scammer based in Singapore who has spent the last several months promoting a fraudulent investment fund that purports to offer substantial returns on high-yield bonds. While she has been successful some investors have recently raised questions over a lack of details on the fund's portfolio and nature of the bonds.
Concerned that her securities fraud might be exposed. Ms. Yu is seeking to conceal assets and cover her tracks in the event of an investigation. She plans on creating one or more legal entities and utilizing them to move proceeds of the scheme out of the country.
Which country would be MOST attractive to Ms. Yu as part of this effort?
- A. A country with a history of banking secrecy
- B. A country that has not agreed to implement the Common Reporting System established by the Organization for Economic Cooperation Development (OECD)
- C. A country with anonymous company formation and no public accessible corporate register
- D. A country with a reputation for corruption among its government officials
正解：C
質問 # 49
You work in cybersecurity lor a chain of retail stores. An employee in your security team has recently notified you of a potentially serious issue with the point of sale (POS) systems which run on the company s network Upon reviewing data being transmitted Irom the POS systems the employee has detected indicators that malware designed to scrape credit and debit card information is being run on the systems.
You immediately mobilize your cyber incident response team and begin investigating You discover thai the malware infection is widespread and that numerous stores are affected.
In the course of the investigation you discover the following information Which is the MOST likely vulnerability that led to this cybersecurity incident?
- A. Employees at several stores were accessing unsecured Wi-Fi networks during work hours on their personal devices
- B. The software applications supporting the POS system were configured to automatically install updates when available
- C. The network running the POS system was also used for Ihe online portal that employees used to log their hours
- D. Your company had not recently run password cracking tests against the portals used to log in to the POS systems
正解：C
質問 # 50
Which is the MOST effective way to verify a company's registration information?
- A. Conduct a Google advanced search using the keyword registration details to find articles or other pieces of information about the company
- B. Access the jurisdiction's court system and search for any court cases against the company which will include the company's registration number and information
- C. Examine the company's website
- D. Access the jurisdiction's company registry repository and search lor the company name and retrieve the company's information
正解：D
質問 # 51
Joe Brown a new small business owner wants lo open a new business account at Mega Bank. He Sils down with a bank officer who is very friendly and asks about his new business and his family Joe becomes uncomfortable about sharing so much information about himself with a stranger. He expresses his concern and the bank officer tells him that this information is required for anyone opening a newaccount with Mega Bank and that every other bank is going to ask him the same questions.
Assuming it is a low-risk customer which information does a bank need to collect and then verify from a new account holder?
- A. Joe's previous employment information and income
- B. Number of employees expected transactions and types of expenses
- C. Financial documents on Joe's income and source of funds
- D. Business name industry address tax identification number and corporate documents
正解：D
質問 # 52
During a review of its compliance program, XYZ Bank discovers that it has processed transactions involving individuals and entities on the Office of Foreign Assets Control (OFAC) Specially Designated Nationals (SDN) list. What is the most appropriate action for XYZ Bank to take?
- A. Conduct a retrospective review of transactions to assess the extent of potential violations.
- B. Immediately report the findings to OFAC and await further instructions.
- C. Implement enhanced due diligence procedures for transactions involving high-risk countries.
- D. Suspend all transactions until the individuals and entities are removed from the SDN list.
正解：B
質問 # 53
A pharmaceutical company is developing a new Alzheimer's drug All of the employees are subject to confidentiality agreements because the drug has not been publicly announced One of the employees talks to his doctor about this new drug.
Which are the possible crimes resulting from this breach of confidentiality? Choose 2 answers
- A. The doctor asks to be included on the clinical trials of the drug thereby benefitting his own practice
- B. The doctor broadcasts the news about this new drug to his Alzheimer's patients. giving them false hope
- C. The doctor decides to buy stock in the pharmaceutical company
- D. The doctor collaborates with friends and family to invest in the company
正解：C、D
質問 # 54
You are an investigator pursuing a suspected fraudster whom you believe is leading a multi-million dollar Ponzi scheme targeting the elderly in your country You believe you are close to gathering the evidence needed to recover some of the victims losses However you are missing some transaction records from a financial institution that would connect the suspect to accounts holding the proceeds of the fraud.
These records can only be released to law enforcement or government regulators. You have a friend in the local police department who is willing to contact the institution and request the records under the pretenses they are needed for an unrelated police investigation.
Given these circumstances would it be ethical for you to ask your friend to obtain the records?
- A. This action is ethical because you are acting in the best interests of your clients, the fraud victims who need this information to recover some of Their losses
- B. This action is unethical because you do not have proof that Ihe suspect has committed the fraud and are only acting on your belief
- C. This action is epical because the records are being turned over to a law enforcement official and you the investigator, are not directly misrepresenting yourself
- D. This action is unethical because your avenue for obtaining Ihe records was inappropriate, even if you did not directly misrepresent yourself
正解：D
質問 # 55
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