2023年04月08日更新されたCKYCAトレーニング最新認定問題をゲットACAMS Certification合格目指せ [Q41-Q64]

2023年04月08日更新されたCKYCAトレーニング最新認定問題をゲットACAMS Certification合格目指せ

認定トレーニングCKYCA試験問題集でテストエンジン

質問 # 41
Which documents rates countries based on their money laundering controls and corruption? (SELECT 2)

• A. Financial Action Task Forces red flags related to jurisdiction risk
• B. United Nations report on Money Laundering Controls
• C. Transparency International's Corruption Perceptions Index
• D. Transparency International's Corruption Perceptions Index
• E. US State Department's annual International Narcotics Control Strategy Report

正解：D、E

質問 # 42
A hospitality worker brings deposits items that appear to be made from a cash intensive business. Is this a red flag?

• A. Yes, anyone who brings that type of currency is likely involved to have received it from illegal means.
• B. No, the customer profile for the hospitality worker fits their occupation.
• C. It depends on the location, business, and feeling of the employee accepting the deposit.

正解：B

質問 # 43
What corporate vehicles can a money launderer hide behind, where it is difficult to identify the beneficial owner? (SELECT 4)

• A. Private investment companies.
• B. Trusts.
• C. Sole Proprietors.
• D. Shell companies.
• E. Regulated investment advisors

正解：A、B、C、D

質問 # 44
The European Union developed its 5th Money Laundering Directive based in part on the following? (SELECT 3)

• A. The Panama Papers leaks, which identified the extent to which offshore accounts are used to disguise beneficial ownership.
• B. The adoption of cryptocurrencies and other digital channels for money laundering, which are currently unregulated sectors.
• C. Money Laundering and Financial Crime were deemed by the European Parliament and local committees as to be out of control in countries such as Andorra, Lichtenstein, and Tunisia.
• D. A significant change in terrorist attacks in Europe over the previous five years.
• E. The exit of Britain from the European Regulatory System.

正解：A、B、D

質問 # 45
What are the two types of Politically Exposed Persons (PEPS) that are identified by The Financial Action Task Force? (SELECT 2)

• A. Foreign PEPs are individuals who are or have been entrusted with prominent public functions by a domestic country.
• B. Domestic PEPs are individuals who are or have been entrusted domestically with prominent public functions.
• C. Foreign PEPs are individuals who are or have been entrusted with prominent public functions by a foreign country.
• D. Domestic PEPs are individuals who are or have been entrusted domestically with prominent non-public functions.

正解：B、C

質問 # 46
What is the Primary legislation for Money Laundering in the United States?

• A. Anti-Drug Abuse Act of 1988
• B. Money Laundering and Financial Crimes Strategy Act (1998)
• C. Money Laundering Control Act of 1986
• D. Bank Secrecy Act (1970)
• E. Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA PATRIOT Act)

正解：D

質問 # 47
The overall customer risk rating is usually derived as a composite of the following four categories of risk in money laundering prevention.
What are the those four?

• A. Client, Jurisdiction, Selected Products, and Channel.
• B. Client, Jurisdiction, Product, and Sub-Channel.
• C. Customer, Jurisdiction, Product, and Sub-Channel.
• D. Customer, Jurisdiction, Product, and Channel.

正解：D

質問 # 48
What is the purpose of having controls to Know Your Customer, also known as KYC?

• A. Manage the compliance risk of your customer.
• B. Manage the compliance risk of your organization.
• C. Manage the financial crime risk to your customer.
• D. Manage the financial crime risk to your organization.

正解：D

質問 # 49
When is Enhanced Due Diligence (EDD) used?

• A. If lower risk of easy to assess.
• B. if higher risk or difficult to assess.
• C. Financial Institutions use EDD only when the product trigger event.
• D. Financial Institutions use EDD only when the geographical trigger event.

正解：B

質問 # 50
The minimum level of Customer Due Diligence that is required when opening a new account includes the following? (SELECT 4)
What type of locations is the account going to be transacting with. (Correct)
Why this account is being opened? (Correct)
What type of people does the customer associate with?

• A. The frequency and expected amounts of those transactions?
• B. What sorts of transactions you should anticipate?

正解：B

質問 # 51
What is a regional risk (SELECT 3)

• A. Lax Immigration Controls.
• B. Free Trade Zones.
• C. Port Cities.
• D. Global Financial Centers
• E. High Intensity Financial Crime Areas (HIFCA)

正解：B、C、E

質問 # 52
What stage is the explore step in the 4 step process with regards to the 4-step research model?

• A. 2nd.
• B. 1st.
• C. 4th.
• D. 3rd.

正解：A

質問 # 53
If a customer is a PEP and they are using private wealth services from banks, and also appear to have obtained a fair amount of wealth is this a red flag?

• A. Yes.
• B. No.
• C. Depends on the exact circumstances.

正解：A

質問 # 54
If an organization suspects that a customer is laundering money, or committing other types of financial crime, it has a duty to report it to the authorities? (TRUE OR FALSE)

• A. False
• B. True.

正解：B

質問 # 55
What prohibits US companies and individuals from paying bribes to foreign officials in furtherance of a business deal. It has extraterritorial reach?

• A. The Foreign Corrupt Practices Act of 1977
• B. Bribery Act 2010
• C. Corruption of Foreign Public Officials Act
• D. International Anti-Bribery Act of 1998

正解：A

質問 # 56
Is collecting identification a legal requirement in jurisdictions?

• A. Yes.
• B. No.
• C. Most.

正解：C

質問 # 57
What is the Third Line of Defense? (TLOD)

• A. The ________ line of defense is internal audit. They perform an independent review of the controls applied by the lines of defense.
• B. The _______ line of defense is also known as the front line, these customer-facing employees are best-equipped to get the information you need for your customer due diligence. Can include Operations, risk, and control teams.
• C. The _______ line of defense is the compliance and internal control functions. That includes the chief money laundering reporting officer, or MLRO, in charge of managing and monitoring AML and CFT activities.

正解：A

質問 # 58
What is an example of secondary identification in a customers CIP program? (SELECT 3)

• A. Identification from a college.
• B. Identification from securities and exchange commission. (SEC)
• C. Identification from a registry of secretary of state.
• D. Identification from another financial institution.
• E. Identification from a utility company.

正解：A、D、E

質問 # 59
The KYC four step research is?

• A. Assess, Operations, Explore, Present
• B. Assess, Organize, Narrow, Present
• C. Assess, Organize, Explore, Past
• D. Assess, Organize, Explore, Present

正解：D

質問 # 60
What is the Primary European Union Money Laundering regulation?

• A. 3rd Anti-Money Laundering Directive
• B. 2nd Anti-Money Laundering Directive.
• C. 4th Anti-Money Laundering Act.
• D. 5th Anti-Money Laundering Act.
• E. 5th Anti-Money Laundering Directive.

正解：E

質問 # 61
The overall control environment is the set of _________

• A. risk standards, processes, and structures that provide the basis for carrying out internal control across the organization.
• B. standards, processes, and structures that provide the basis for carrying out internal control across the organization.
• C. standards, processes, and structures that provide the basis for carrying out external control across the organization.

正解：B

質問 # 62
What industries are often exploited by criminals (SELECT 3)

• A. Casinos.
• B. Dealers in high value goods.
• C. Charities Non Profits.
• D. Broker Dealers.
• E. Insurance.

正解：A、B、C

質問 # 63
Data must be secure so that it cannot be hacked, stolen, or misused for other purposes?

• A. Depends on the specifics.
• B. False
• C. True

正解：C

質問 # 64
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