[2021年12月16日] 365日無料更新CAMS知能問題集をゲット
ベスト品質のACAMS CAMS試験問題
質問 231
Historically, which of the following vehicles is most often used to hide beneficial ownership?
- A. a professional association
- B. a limited liability partnership
- C. a charitable organization
- D. an offshore company
正解: C
質問 232
Which three areas do FATF's 40 recommendations cover? Choose 3 answers
- A. Financial systems and their regulation
- B. International Cooperation
- C. Prescriptive sentences for predicate offenses
- D. The criminal justice system
正解: A,B,D
解説:
Explanation
The 40 Recommendations provide a complete set of countermeasures against money laundering and terrorist financing, covering
* the identification of risks and development of appropriate policies;
* the criminal justice system and law enforcement;
* the financial system and its regulation;
* the transparency of legal persons and arrangements; and
* international cooperation.
質問 233
In reviewing recent activity, a compliance officer for a money transmitter that several customers are each remitting the same amount of money but much more frequently.
How should the institution respond?
- A. Immediately contact the customers and ask them why they are remitting money more often
- B. Conduct further investigation to determine whether this is truly suspicious activity
- C. Instruct the tellers not to process remittances for these customers in the future
- D. File a suspicious transaction report
正解: B
質問 234
Which two individuals are ordinarily beneficial owners of a private banking account according to the Wolfsberg Anti-Money Laundering Principles for Private Banking? (Choose two.)
- A. Those who have legal title to a controlling share interest in the customer
- B. Those who are authorized signers on the account
- C. Those who generally have ultimate control through ownership or other means over the funds in the account
- D. Those who are the ultimate source of funds for the account and whose source of wealth should be subject to due diligence
正解: C,D
質問 235
In some instances, a financial institution may receive a warrant from law enforcement authorities to search its premises. A search warrant is a grant of permission from a court for a law enforcement agency to search certain designated premises and seize specific categories of items or information. Generally, what is the required threshold for the requesting agency to establish in order to obtain a search warrant of a financial institution?
- A. Probable cause
- B. A preponderance of the evidence
- C. Clear and convincing proof
- D. Reasonable belief
正解: A
解説:
Explanation
Explanation/Reference:
A search warrant is a grant of permission from a court for a law enforcement agency to search certain designated premises and to seize specific categories of items or documents. Generally requesting agency is required to establish that probable cause exists to believe that evidence of a crime will be located. Warrant is authorized based on information contained in an affidavit submitted by a law enforcement officer.
質問 236
What was cited by the Wolfsberg Group in its Statement on the Suppression of the Financing of Terrorism as being vulnerable to terrorist financing?
- A. Correspondent banking
- B. Alternative remittance
- C. Trade finance
- D. Private banking
正解: B
質問 237
What was the topic the Wolfsberg Group's first guidance addressed?
- A. AML training for financial institution staff
- B. Enhanced due diligence for high risk customers
- C. Merchant acquiring activities
- D. Private banking
正解: D
質問 238
You are designing a solution that will use the Azure Content Moderator service to moderate user-generated content.
You need to moderate custom predefined content without repeatedly scanning the collected content.
Which API should you use?
- A. Workflow API
- B. Term List API
- C. Text Moderation API
- D. Image Moderation API
正解: B
解説:
The default global list of terms in Azure Content Moderator is sufficient for most content moderation needs.
However, you might need to screen for terms that are specific to your organization. For example, you might want to tag competitor names for further review.
Use the List Management API to create custom lists of terms to use with the Text Moderation API. The Text - Screen operation scans your text for profanity, and also compares text against custom and shared blacklists.
Incorrect Answers:
B: Use the Text Moderation API in Azure Content Moderator to scan your text content. The operation scans your content for profanity, and compares the content against custom and shared blacklists.
References:
https://docs.microsoft.com/en-us/azure/cognitive-services/content-moderator/try-terms-list-api
質問 239
Which three should real estate agents include in the criteria to assess their company's potential money laundering and terrorist financing risks when implementing a reasonable risk-based approach?
- A. Transaction Risk
- B. Credit Risk
- C. Customer Risk
- D. Geographic Risk
正解: A,C,D
解説:
Reference:http://www.fatfgafi.org/media/fatf/documents/reports/RBA%20Guidance%20for%20Real%20Estate%20Agents.p df(page 20, second paragraph)
質問 240
What is an indicator of suspicious activity?
- A. An online retailer that uses a third-party payment processor to facilitate its transactions
- B. Large and frequent credit balances on a credit card resulting in request for refunds
- C. A customer who pay back a late loan all at once after collecting on a bad debt
- D. A convenience store that brings in $20s and $10s and requests small bills and change
正解: B
質問 241
Which three are principles found in the document "Principles of information Exchange between Financial Intelligence Units (FIUs)"?
- A. It should be possible for communication between FIUs to take place directly and withoutintermediaries
- B. Differences in the definition of offenses that fall under the competence of FIUs should be beforefree exchange of information takes place
- C. The Egmont principle of free exchange of information at the FIU level should be possible on thebasis of reciprocity, including spontaneous exchange
- D. The exchange of information between FIUs should take place as informally and as rapidly aspossible and with no prerequisites, while guaranteeing protection of privacy and confidentialityof the shared data
正解: A,C,D
質問 242
You create an Azure Cognitive Services resource.
You develop needs to be able to retrieve the keys used by the resource. The solution must use the principle of least privilege.
What is the best role to assign to the developer? More than one answer choice may achieve the goal.
- A. Cognitive Services Contributor
- B. Security Manager
- C. Security Reader
- D. Cognitive Services User
正解: D
解説:
The Cognitive Services User lets you read and list keys of Cognitive Services.
References:
https://docs.microsoft.com/en-us/azure/role-based-access-control/built-in-roles
質問 243
The bank's Compliance Officer is tasked with designing standards based on Basel's KYC principles. Which essential elements should be included in the program? (Choose two.)
- A. Appointing an independent audit function
- B. Documenting a customer acceptance policy
- C. Conducting a money laundering risk assessment
- D. Reporting suspicious activity
- E. Establishing on-going monitoring of high-risk accounts
正解: B,D
質問 244
Which three do the Office of Foreign Asset Control regulations cover? Choose 3 answers
- A. All U.S.-domiciled entities and their foreign branches
- B. All persons and entities within the U.S.
- C. All U.S. citizens
- D. All foreign-based entities that have U.S. customers
正解: A,C,D
質問 245
When should new business products to evaluate for AML concerns?
- A. On an annual basis
- B. Before they are launched into the market
- C. At the time of the next enterprise risk assessment
- D. After they have been implemented so there is empirical data to review
正解: B
質問 246
After an institution files an STR with regard to a particular account, a law enforcement agent requests the institution to keep the account open until advised otherwise by law enforcement. What steps should the institution take?
- A. The institution should request a written letter From the law enforcement ( agency signed by an appropriate authorized signature
- B. The institution should follow the request of the law enforcement agent and keep the account open
- C. The institution should close the account in order not to be caught in the middle of a law enforcement investigation
- D. The institution should keep the account open only if doing so comports with the bank's own AML procedures
正解: A
質問 247
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 the meeting.
What should an anti-money laundering specialist recommend?
- A. Cancelled the meeting as he has already behaved inappropriately by alerting to the investigation
- B. Let the account manager's manager know what conversations have taken place with the customer and document the account file accordingly
- C. Limit discussions about the investigation with the customer and bE satisfied that the account manager has provided proper notice to the customer
- D. Discuss all the points being investigated by law enforcement to ensure the correspondent bank is well prepared when approached
正解: A
質問 248
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