[2022年05月] 合格させるACAMS CAMSテストエンジンPDFで完全版無料問題集
Certified Anti-Money Laundering Specialists練習テスト2022年最新のCAMSストレスなしで合格！
質問 145
What is suspicious activity or red flag with regard to a customer's activity? Choose 3 answers
- A. Engaging in wire transactions with an offshore account
- B. Paying the tellers he deals with a regular gratuity
- C. Exchanging small denomination bills for large ones
- D. Asking about the bank's fee schedule for a series of transactions
正解: A,B,C
質問 146
Which of the following should an anti-money laundering specialist consider the most serious deficiency when detected during a regulatory audit of the anti-money laundering program?
- A. The company's anti-money laundering manual has not been updated to reflect a recent internal control enhancement.
- B. The company has failed to download the most recent regulation from the Financial Intelligence Unit web site.
- C. The compliance officer fails to have on-going meetings with upper management to keep them apprised of current money laundering trends.
- D. The company has not implemented an anti-money laundering training program.
正解: D
質問 147
Which red flag indicates high potential for money laundering in a real estate purchase?
- A. The purchaser is not a resident where the property is located
- B. The purchaser had a previous bankruptcy
- C. The purchaser owns a cash intensive business
- D. The purchaser is a nominee
正解: C
質問 148
Why is the Mutual Legal Assistance Treaty (MLAT) a gateway for international cooperation?
- A. They issue the Prmc4es of Information Exchange Between Financial intelligence Units (FIUs)
- B. They provide a legal basis for transmitting evidence that can be used for prosecution and judicialproceedings
- C. They receive reports of suspicious transactions from financial institutions to disseminate to localLaw enforcement and foreign FIUs
- D. They obtain intelligence that might lead to evidence
正解: B
質問 149
A retail bank has just acquired a credit card business. The bank's anti-money laundering policy requires that new employees are trained within 30 days of their hire date and refresher training is delivered to all employees on an annual basis.
Is the bank's existing anti-money laundering training adequate to be delivered to employee of the newly acquired credit card business?
- A. No, anti-money laundering training needs to be tailored and focused on the risks specific to the business.
- B. Yes, the existing training covers the anti-money laundering regulations that the bank is required to follow.
- C. No, anti-money laundering training needs to be delivered face-to-face for credit card businesses.
- D. Yes, the existing training covers the bank's policies, procedures, and processes.
正解: A
質問 150
Which scenario is closest to the definition of money laundering the United Nations Convention against Transnational Organized Crime and Other Protocols provided?
- A. Discussing your suspicions with a client, thus giving the client the opportunity to switch service providers and to cover his tracks in future transactions
- B. Filing a suspicious transaction report when you know or suspect money laundering is taking place
- C. Assisting a client in a property conveyance by effecting the transfer of ownership from the seller to the purchaser when you don't know the purchaser
- D. Knowingly financing a resort development with the proceeds of arms trafficking
正解: D
質問 151
Which method is used to launder money via wire remittances sent through a bureau de change or money services business?
- A. A large number of wire transfers are sent from a large number of senders in country A to a large number of recipients in country B during the period of December 1 to December 15.
- B. A customer in country A makes frequent wire transfers to a single customer in country B that are slightly under the legal reporting threshold.
- C. A customer in country A makes a weekly small wire transfer to the bank account of an individual in country
- D.
- E. A customer in country A receives four small wire transfers from four different individuals located in country B on December 21. The aggregate of the wire transfers falls below the legal reporting threshold.
正解: B,D
質問 152
The Wolfsberg Anti-Money Laundering Principles for Private Banking require new clients to be approved by whom?
- A. At least one person other than the private banker
- B. The board of directors
- C. The private banker's supervisor
- D. Only the private banker
正解: A
質問 153
Which of the following is the financial stage of money laundering?
- A. off shoring
- B. integration
- C. structuring
- D. placement
正解: B
解説:
Explanation
Explanation/Reference:
The Integration Stage
The final stage of the money laundering process is termed the integration stage. It is at the integration stage where the money is returned to the criminal from what seem to be legitimate sources. Having been placed initially as cash and layered through a number of financial transactions, the criminal proceeds are now fully integrated into the financial system and can be used for any purpose. There are many different ways in which the laundered money can be integrated back with the criminal; however, the major objective at this stage is to reunite the money with the criminal in a manner that does not draw attention and appears to result from a legitimate source. For example, the purchases of property, art work, jewellery, or high-end automobiles are common ways for the launderer to enjoy their illegal profits without necessarily drawing attention to themselves.
質問 154
How do drug traffickers and other criminals use the fine art industry to disguise illicit proceeds?
- A. They commingle legitimate and illicit proceeds by principals for payment of fine art
- B. They immediately resell priceless works of art after purchase from a foreign auction house
- C. They use anonymous agents to buy the art and have the payment wired from offshore havens
- D. They use forged or fraudulent invoicing of priceless works of art by auction houses
正解: C
質問 155
Which of the following customer activities poses the highest risk of money laundering?
- A. Conducting business in a country that represents a high risk of money laundering.
- B. Making multiple cash deposits slightly below a required reporting limit.
- C. Transferring funds to pay for flight training lessons.
- D. Paying a supplier of precious metals at regular quarterly intervals.
正解: B
質問 156
A customer comes into the bank and appears to be ill-at-ease waiting in the teller line. When the customer gets to the teller, he become exceedingly nervous and asks for a large cashier's check to be cashed and disbursed to him in $100 bills.
What should the teller do after completing the transaction?
- A. Monitor the customer's account going forward
- B. Confer with the bank' s account going forward
- C. File a SAR on the customer
- D. File a CTR on the customer by the end of the day
正解: C
質問 157
How does microstructuring differ from structuring?
- A. The transaction amounts are much smaller
- B. The transactions never exceed $1,000 USD
- C. The transactions are done only at small community banks
- D. It is done to avoid the monetary instrument log instead of a currency transaction report
正解: A
質問 158
Since its last regulatory examination, a financial institution has aggressively grown by adding profitable new products and services. The institution has not historically received regulatory criticism regarding its anti-money laundering compliance program.
However, a recent regulatory examination cited significant deficiencies in the anti-money laundering program that were attributed primarily to the lack of oversight by the institution's leadership in implementing adequate controls over the new products and services.
Which area of international control should leadership first address to correct the weaknesses in the program?
- A. Anti-money laundering policy
- B. Anti-money laundering compliance staff
- C. Money laundering risk assessment
- D. Anti-money laundering policy
正解: C
質問 159
A bank provides trade financing for a company whose primary export is steel.
Which action by the company indicates possible money laundering?
- A. The company regularly understates the value of goods exported.
- B. The company frequently sells above or below its competitors' price.
- C. The company often deals with foreign currency exchanges.
- D. The company frequently transfers funds to other bank accounts located in other jurisdictions.
正解: D
質問 160
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