[2023年11月] 問題集簡単概要CAMS試験問題Fast2test
CAMSトレーニング認証最新版をゲットCAMS Certification
CAMS認定試験は、AML業界の専門家にとって不可欠な資格です。グローバルな規制の増加と金融犯罪の脅威の増大に伴い、AMLの専門家がキャリアを前進させ、金融業界にプラスの影響を与えるために、CAMS認定はより価値があり、必要になりつつあります。
質問 # 287
The board of directors receives notice from the primary regulator of the bank that potentially suspicious activity has been identified and the bank president appears to be involved. The Board asks the compliance officer for advice.
Which action should the compliance officer take when informed?
- A. Inform the bank's legal counsel and follow their instructions
- B. Insist on the president's immediate resignation
- C. Inform the president of the regulator's suspicions and ask for his advice
- D. Destroy all records relating to the matter
正解：A
質問 # 288
Which type of formal agreement occurs between countries that wish to aid each other in the investigation and enforcement of criminal laws?
- A. Joint Comprehensive Peace Agreement
- B. Mutual Legal Assistance Treaty
- C. Foreign Information Exchange
- D. Inter-country Agreement to Combat Trafficking
正解：B
解説：
Explanation
A Mutual Legal Assistance Treaty (MLAT) is an agreement between two or more countries that allows for the exchange of information and evidence in the investigation and enforcement of criminal laws. MLATs provide a framework for countries to assist each other with investigations, prosecutions, and other legal matters, including the exchange of information, evidence, documents, and testimony. MLATs are commonly used in investigations related to money laundering, terrorism, and other transnational crimes.
質問 # 289
A profitable commercial customer who operates an import-export business has multiple accounts with the same institution at branches m different locations. The customer receives funds from a jurisdiction perceived as highly corrupt according to Transparency International ratings. The customer makes frequent transfers among the accounts and prefers to manage the accounts separately. What should the institution do to mitigate the risk associated with these accounts?
- A. File a suspicious transaction report
- B. Conduct a trade-price manipulation analysis
- C. Develop a system to monitor all the activity
- D. Diminish the importance of the subjective Transparency International rating
正解：A
質問 # 290
Which statement is true about banking regulatory agencies having the authority to obtain information from regulated institutions?
- A. The agencies authority to conduct examinations negates the need for a warrant or subpoena
- B. If a regulatory agency intends to prosecute a regulated institution, a warrant or subpoena must first be granted before the information can be obtained
- C. A search warrant may be substituted by a court subpoena compelling the institution to produce the information to the regulatory agency
- D. The regulatory agencies may only obtain information from the regulated institution's books and records by virtue of a search warrant
正解：A
質問 # 291
What are three elements of a sound Customer Due Diligence Program?
- A. Determination of what type of customer the financial institution will accept
- B. Obtaining date of birth and address of a prospective customer
- C. Training as to how and to what extent to identify prospective customers
- D. Determination of who in the institution should be assigned to the prospective customer as a liaison
正解：A、B、C
質問 # 292
Federal law requires all U.S. financial institutions to secure and maintain all records and supporting documentation used m suspicious activity reporting for how many years?
- A. 10 years
- B. 2 years
- C. 5 years
- D. No requirement
正解：C
質問 # 293
The ultimate goal of economic sanctions is to:
- A. prevent terrorists from profiting from trade.
- B. protect national security.
- C. protect the reputation of the country.
- D. reduce the profits of sanctioned countries.
正解：B
解説：
Reference: https://www.investopedia.com/articles/economics/10/economic-sanctions.asp
質問 # 294
According to the Financial Action Task Force 40 Recommendations, simplified customer due diligence or reduced measures could be acceptable for which of the following types of products or transactions?
1. Life insurance policies where the annual premium is no more than USD/EUR 1,000 or a single premium of no more than USD/EUR 2,500.
2. Insurance policies for pension schemes if there is no surrender clause and the policy cannot be used as collateral.
3. A pension that provides retirement benefits to employees.
4. Trusts where the settlor, trustee and beneficiaries are identified and the shares are in bearer form.
- A. 1, 2, and 3 only
- B. 1, 2, and 4 only
- C. 1, 3, and 4 only
- D. 2, 3, and 4 only
正解：A
質問 # 295
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 generally have ultimate control through ownership or other means over the funds in the account
- C. Those who are the ultimate source of funds for the account and whose source of wealth should be subject to due diligence
- D. Those two are authorized signers on the account
正解：B、C
解説：
Reference: https://www.wolfsberg-principles.com/sites/default/files/wb/pdfs/wolfsberg-standards/10.%
20Wolfsberg-Private-Banking-Prinicples-May-2012.pdf (2)
質問 # 296
What are two purposes of the USA PATRIOT Act? (Choose two.)
- A. To administer and enforce economic and trade sanctions based on United States foreign policy and national security goals against targeted foreign countries and regimes, terrorists, and international narcotics traffickers
- B. To set standards and promote effective implementation of legal, regulatory, and operational measures for combating money laundering, terrorist financing and other related threats to the integrity of the international financial system
- C. To subject to special scrutiny foreign jurisdictions, foreign financial institutions, and classes of international transactions or types of accounts that are susceptible to criminal abuse
- D. To strengthen United States' measures to prevent, detect, and prosecute international money laundering and financing of terrorism
正解：C、D
解説：
Explanation/Reference: https://www.dni.gov/index.php/who-we-are/organizations/ise/ise-archive/ise-additional- resources/2116-usa-patriot-act
質問 # 297
A US casino customer has won 55,518 USD. The customer goes to the casino cashier cage to execute some transactions. Which ^transactions are an indicator of money laundering? (Select Two.)
- A. The customer transfers 100.000 USD to another personal bank account located outside the customer's resident country,
- B. The customer transfers all the winnings to another personal bank account located outside the customer's resident country.
- C. The customer requests the cashing out of the winnings in checks under 10.000 USD.
- D. The customer transfers 50.000 USD to another personal bank account located in the customer's resident country.
- E. The customer requests the cashing out of the winnings in a single check.
正解：A、C
解説：
Explanation
These options involve transferring funds to another country, which could indicate cross-border movement of illicit funds, and cashing out winnings in checks under 10,000 USD, which could indicate structuring to avoid reporting thresholds. The other options do not seem as suspicious or relevant to money laundering.
質問 # 298
How can a financial institution verify the nature and purpose of a business and its legitimacy?
- A. By using an independent information verification process, such as by accessing public andprivate databases
- B. By reviewing the company's website
- C. By undertaking a company search or other commercial inquires to see that the institution hasnot been, or is not in the process of being dissolved of terminated
- D. By reviewing a copy of the corporation's latest audited reports and accounts
正解：A
質問 # 299
You need to recommend a data storage solution that meets the technical requirements.
What is the best data storage solution to recommend? More than one answer choice may achieve the goal.
Select the BEST answer.
- A. Azure SQL Database
- B. Azure Table storage
- C. Azure Databricks
- D. Azure Cosmos DB
正解：A
解説：
Explanation/Reference:
References:
https://docs.microsoft.com/en-us/azure/architecture/example-scenario/ai/commerce-chatbot Design solutions Question Set 1
質問 # 300
The Board of Directors and the senior management of a financial institution should ensure that which three are established and followed with regard to an effective AML program?
- A. They are kept informed of all major AML issues
- B. Regulatory compliance is made part of all relevant job descriptions
- C. There is a strong compliance program
- D. International guidance is followed and understood
正解：A、B、C
質問 # 301
In accordance with Financial Action Task Force (FATF) standards, when the minimum AML requirements of the host country where a financial institution (Fl) operates are less strict than those of the Fl's home country, the Fl:
- A. should close down its operations in the host countries where minimum AML requirements are less strict than those of the home country.
- B. should always apply additional measures on their branches and majority-owned subsidiaries in host countries to manage the money laundering and terrorist financing risk overseas.
- C. is required to ensure that their branches and majority-owned subsidiaries in host countries implement the requirements of the home country, to the extent that host country laws and regulations permit.
- D. is required to impose more strict requirements on host country branches, disregarding if host country laws and regulation permit such action.
正解：C
解説：
Explanation
In accordance with Financial Action Task Force (FATF) standards [1][2], when the minimum AML requirements of the host country where a financial institution (Fl) operates are less strict than those of the Fl's home country, the Fl is required to ensure that their branches and majority-owned subsidiaries in host countries implement the requirements of the home country, to the extent that host country laws and regulations permit. This means that the Fl should not impose more strict requirements on host country branches, disregarding if host country laws and regulation permit such action, and should not close down its operations in the host countries where minimum AML requirements are less strict than those of the home country.
However, the Fl should always apply additional measures on their branches and majority-owned subsidiaries in host countries to manage the money laundering and terrorist financing risk overseas.
質問 # 302
Under requirements for correspondent accounts in the USA PATRIOT Act, the word "certification" refers to a written representation by a
- A. respondent bank, certifying that they do not do business with politically exposed persons.
- B. respondent bank, certifying that they do not do business with shell banks.
- C. federal receiver" certifying that he is not the beneficial owner of the correspondent account.
- D. correspondent bank, certifying that they do not open correspondent accounts for alternative remittance companies.
正解：D
解説：
Explanation
Explanation/Reference:
The information contained in this Certification is sought pursuant to Sections 5318(j) and 5318(k) of Title 31 of the United State Code, as added by sections 313 and 319(b) of the USA PATRIOT Act of 2001 (Public Law 107-56).
This Certification should be completed by any foreign bank that maintains a correspondent account with any
U.S. bank or broker-dealer in securities (a covered financial institution as defined in 31 CFR 1010.605(e)). An entity that is not a foreign bank is not required to complete this Certification.
A foreign bank is a bank organized under foreign law and located outside of the United States (see definition at 31 CFR 1010.100(u)). A bank includes offices, branches, and agencies of commercial banks or trust companies, private banks, national banks, thrift institutions, credit unions, and other organizations chartered under banking laws and supervised by banking supervisors of any state (see definition at 31 CFR
1010.100(d)).
A correspondent account for a foreign bank is any account to receive deposits from, make payments or other disbursements on behalf of a foreign bank, or handle other financial transactions related to the foreign bank.
Special instructions for foreign branches of U.S. banks: A branch or office of a U.S. bank outside the United State is a foreign bank. Such a branch or office is not required to complete this Certification with respect to Correspondent Accounts with U.S. branches and offices of the same U.S. bank.
質問 # 303
On-line financial technologies are susceptible to money laundering risk because
- A. The identity of the people who conduct transactions may be unknown.
- B. Baring staff are familiar with how this technology can be abused.
- C. Viruses significantly damage communications and commerce.
- D. The risk of identity theft is greatly increased.
正解：A
解説：
Explanation
Correct but to be recheck with B
質問 # 304
How does a regulatory body typically obtain international assistance in a money Laundering inquiry?
- A. By communicating with the Head of Compliance for the financial institution
- B. By filing a request under Egmont guidelines
- C. By contacting the FATF, Organization for Economic Co-operation and Development, or other international organizations and seeking their intervention
- D. By submitting a request for overseas assistance to the corresponding supervisory body
正解：D
質問 # 305
A SAR/STR should be filed when the accountable institution identifies that:
- A. a customer makes a cash deposit in round dollars.
- B. cash transactions have values which avoid reporting thresholds.
- C. an alert is generated by a transaction monitoring system.
- D. an employee is not clearing alerts in a timely manner.
正解：C
質問 # 306
What are two requirements with respect to supporting documentation that is used to identify potentially suspicious activity, according to Financial Action Task Force? (Choose two.)
- A. It must be retained for at least seven years
- B. It must only be released to the government through a subpoena process
- C. It must be kept in a manner so that it can be provided promptly
- D. It must be retained for at least five years
正解：C、D
質問 # 307
Which safeguard is in place for Financial Intelligence Units (FIUs) to share information securely according to Egmont?
- A. Intelligence is shared via messaging applications.
- B. A computer with access to the Egmont Secure Web is accessible to all members of the FIU.
- C. Investigators are allowed to request information from a foreign FIU directly.
- D. Information sharing is conducted according to processes contained in Memoranda of Understanding.
正解：B
質問 # 308
Which information should be gathered as part of enhanced due diligence (EDD) for a high-risk customer?
- A. Personal references
- B. Explanations for changes in marital status
- C. Details on individuals with control over the account
- D. Plans for traveling in business trips
正解：C
質問 # 309
You plan to design a solution for an AI implementation that uses data from IoT devices.
You need to recommend a data storage solution for the IoT devices that meets the following requirements:
* Allow data to be queried in real-time as it streams into the solution.
* Provide the lowest amount of latency for loading data into the solution.
What should you include in the recommendation?
- A. a Microsoft Azure Table Storage solution
- B. a Microsoft Azure SQL database that has In-Memory OLTP enabled
- C. a Microsoft Azure HDInsight R Server cluster
- D. a Microsoft Azure HDInsight Hadoop cluster
正解：D
解説：
You can use HDInsight to process streaming data that's received in real time from a variety of devices.
Internet of Things (IoT)
You can use HDInsight to build applications that extract critical insights from data. You can also use Azure Machine Learning on top of that to predict future trends for your business.
By combining enterprise-scale R analytics software with the power of Apache Hadoop and Apache Spark, Microsoft R Server for HDInsight gives you the scale and performance you need. Multi-threaded math libraries and transparent parallelization in R Server handle up to 1000x more data and up to 50x faster speeds than open-source R, which helps you to train more accurate models for better predictions.
References:
https://docs.microsoft.com/en-us/azure/hdinsight/hadoop/apache-hadoop-introduction
質問 # 310
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ACAMS CAMS認定試験は、3時間半以内に完了する必要がある120の多肢選択問題から成るコンピュータベースの試験です。この試験は、AML/CFTコンプライアンスプログラム、マネーロンダリングのリスクと手法、相手方銀行やマネーサービスビジネスのコンプライアンス基準、AML/CFT調査の実施など4つの主要な領域をカバーしています。
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