2024年最新のCFCS試験資料CFCS学習ガイド
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質問 # 97
Recently your database of customer records was compromised and hundreds of thousands of customer's personal data was stolen Based on the feedback from your customers you have surmised that the following occurred.
* Using the stolen customer information a personalized email was sent to all of the customers Irom the criminals with a significant amount of personal information in them to appear legitimate directing them to a fake website mimicking yours
* That fake website captured logins and passwords from customers for later use
* The criminals then used the logins and passwords to wire funds from those accounts to offshore accounts that they controlled Which type of attack is this?
- A. Key logging
- B. Spear phishing
- C. Man-in-the-middle
- D. Login capture
正解：B
質問 # 98
A real estate developer secured a $9.5 million construction loan from the Bank of China for a high-rise office building When the developer declared bankruptcy. The bank realized that this had become a problem loan and they began to investigate the borrower.
The developer had submitted False invoices for work that was never performed In addition, a portion of the loan money was deposited into the construction business account to pay subcontractor invoices. These invoices were never paid instead the money was diverted into private bank accounts owned by the developer and his family members.
Which type of financial crime did the forensic audit uncover?
- A. Unlicensed money transmission
- B. Money laundering
- C. Sanctions violations
- D. Pump and dump
正解：B
質問 # 99
Company A required capital to purchase wholesale consumer products to resell to retail outlets Company A solicited working capital by offering investors promissory notes in exchange for borrowed funds. The promissory notes promised a high annual interest rate of 14% Company A paid the promised 14% returns and a commission from the new funds received from later investors No wholesale products were purchased with the investors funds and there was no underlying business.
Which type of fraud is being described?
- A. Ponzi scheme
- B. Pump and dump scheme
- C. Advanced Fee scheme
- D. Pyramid scheme
正解：A
質問 # 100
David is the owner of afast-foodrestaurant He has made deposits into his bank account totaling $123,000 of which S51,000 is from cash deposits of mostly small denominations David deposited the S51,000 into his bank account over a one-month period at three different branches using multiple employees to make the deposits which are detailed below.
Branch 1: Deposits were made on February 3 6 and 9 in the respective amounts-$4,000 S6,000 and $5,300 Branch 2: Deposits were made on February 6 9 and 12 in the respective amounts-S3,750, $3,200 and S9,850 Branch 3: Deposits were made on February 3 7. and 13 in the respective amounts-$5,300 $9,750 and $3,850 Which red flags are indicative of money laundering?
Choose 3 answers
- A. Making multiple transactions under the reporting threshold
- B. Depositing round dollar amounts
- C. Having individuals other than the account signatory make deposits
- D. Conducting transactions at multiple branches
正解：A、B、D
質問 # 101
Which is the strongest proof to establish grounds for seizure and confiscation of the properly?
- A. All deposits to the bank account of Corporation A originated from a government payroll account
- B. All electric bills have been paid from Ihe bank account of the public official
- C. The checks from the bank account of Corporation A were used to purchase the property
- D. A lease agreement straticulate the public official is paying $1,800 per month to Corporation A for rent of the house
正解：C
質問 # 102
As part of a risk assessment of its investment advisory services, a financial institution discovers that some of its clients engage in high-frequency trading strategies that may pose market manipulation risks. What is the most appropriate action for the institution to take?
- A. Ignore the issue as long as the clients' trading activities comply with regulatory requirements.
- B. Immediately terminate all client relationships involved in high-frequency trading.
- C. Implement enhanced monitoring and surveillance measures for clients engaged in high-frequency trading.
- D. Seek legal advice before taking any action regarding clients engaged in high-frequency trading.
正解：C
質問 # 103
Many IT users require privileged user rights to perform their job tasks.
Which is the BEST action to help ensure data security with respect to privileged users?
- A. Implement database activity monitoring to identify high risk or unusual database activity
- B. Review IP addresses of users access to identify offsite systems access
- C. Rotate both the public and private encryption keys
- D. Eliminate privileged access for anyone below manager level
正解：D
質問 # 104
You are leading the learn at your organization that is tasked with updating the fraud risk assessment. The team determines that the current risk assessment effectively identified the universe of potential fraud risks faced by the organization. The risk assessment also captured how existing fraud riskmanagement and controls address the identified risks. However, the team found weaknesses in other areas.
Which two components should the team include in the development of a sound risk assessment? Choose 2 answers
- A. A robust and auditable investigation conducted in accordance with the antifraud policy
- B. An analysis of the likelihood and materiality of fraud types
- C. An analysis of the financial resources required to address fraud risks
- D. A risk matrix that defines management's risk tolerance
正解：B、D
質問 # 105
During a risk assessment of its customer onboarding process, a financial institution identifies a lack of adequate procedures for verifying the beneficial ownership of corporate clients. What is the most appropriate action for the institution to take to address this deficiency?
- A. Immediately suspend all new customer onboarding activities until the procedures are updated.
- B. Disregard the issue as long as corporate clients pass other due diligence checks.
- C. Implement enhanced monitoring for transactions involving corporate clients with unidentified beneficial owners.
- D. Revise the customer onboarding procedures to incorporate requirements for verifying beneficial ownership.
正解：D
質問 # 106
Your Chent has been the victim of an investment fraud and he is in the process of obtaining a judgment against the perpetrator You have provided him with solid evidence that funds he invested in the scheme are on deposit in a domestic bank in the name of a shell corporation incorporated in another jurisdiction Through previous conduct by the perpetrator it can be demonstrated that not freezing the account could mean that the funds will be dispersed thereby frustrating a potential claim.
To protect the funds which should you suggest to your client?
- A. Request a civil forfeiture action against the perpetrator
- B. Request a Norwich Pharmacal without gag order be issued to the bank
- C. File a Lis Pendens against the account
- D. Provide a Mareva injunction to the bank
正解：D
質問 # 107
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. An invoice from the shipping company for the cars that is addressed to the defendant
- C. Records of incoming funds transfers received by the corporate brokerage account held by the Nevada corporation
- D. Contact information for a registered agent acting as trustee of the trust company that holds the vehicle titles
正解：B
質問 # 108
During an organizational overview of financial crime controls, Mr. Thompson, the compliance manager, identifies a lack of adequate training for frontline staff on recognizing and reporting suspicious activities.
What is the most effective way for Mr. Thompson to address this issue?
- A. Develop and implement an ongoing training program tailored to the specific needs of frontline staff.
- B. Hire additional compliance staff to oversee frontline operations.
- C. Conduct a one-time training session for all frontline staff members.
- D. Assign responsibility for training to individual branch managers.
正解：A
質問 # 109
According to the FATF 2012 recommendations which should countries do to ensure compliance around money remittance businesses?
- A. Ensure proper identification and registration of persons operating money remittance businesses
- B. Provide a list of all money remittance businesses to the Egmont Group
- C. Require compliance measures to be implemented once a Suspicious Activity or Transaction Report (SAR or STR) has been died
- D. Prohibit money remittance businesses to be operated as a sole proprietorship
正解：A
質問 # 110
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. 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
- D. The partner company received a series of zero-interest loans from the aerospace company with open-ended repayment terms in recent months
正解：D
質問 # 111
You are a fraud investigator lor a U S securities firm. You are currently investigating potential market manipulation involving stock in a company that was created in the Channel Islands.
One of your brokers has 500,000 shares of this stock in several of his customer's accounts This stock had no trading activity for the past several years In Ihe past 30days he has been selling stock in 5,000-share increments every day from his customer accounts.
Upon review of your firm's books you notice that none of your other customers have bought this stock. Your firm has filed a Suspicious Activity Report (SAR) on this activity. Since this activity is putting your firm at risk you decide to contact your regulator and law enforcement to further the investigation Which items do these agencies have access to that you would not? Choose 2 answers
- A. Emails sent by your broker regarding Ihe selling activity
- B. The names of Ihe beneficial owners of the company
- C. The names of the individuals purchasing Ihe stock
- D. SARs filed at other U S securities firms
正解：C、D
質問 # 112
Which fraud channel is used lo steal personal identifying information from your computer?
- A. Spooling
- B. Vishing
- C. DoS (denial-of service) attack
- D. Malware
正解：D
質問 # 113
You were recently hired as a new sanction's analyst for a large international bank in your introductory training you were told the bank generally prefers to avoid doing business with jurisdictions on U.S. sanctions lists, but has supported transactions under "specific' and "general licenses".
In your day-to-day job you find a certain business line seems to be conducting transactions with companies in sanctioned countries and these transactions are flagged by your sanction's filters more than others When you researched the companies you found the transactions were not covered under a general or specific license When you raised this issue with the division's business line manager, he said it "was a mistake".
A week later, you saw a transaction to a company with nearly the same name except shortened and slightly altered. The transaction amount is the same but there was no mention of the sanctioned jurisdiction. The business line manager assured you it was a different company m non-sanctioned country Which is the MOST appropriate next step for you to take?
- A. inform your superiors that due to conflicting information both companies should be the subject of a Suspicious Activity Report (SAR)
- B. inform your superiors that some business lines may be stripping transaction details and dealing with entities or regions on U.S. sanctions
- C. Close the case because the original alerts were false positives The country is not on a U.S. sanctions list
- D. Update your sanctions filter parameters lo note that the new company with the similar name has been internally white-listed
正解：B
質問 # 114
Your country has received a spontaneous transmittal of information from Switzerland indicating lhal Person A the Director of Procurement from your country's Ministry of Internal Development maintains a bank account in Zurich with an average balance of $7,000 000. Previously there have been numerous allegations that Person A has received bribes in return tor favorable contract awards.
Which activity should be done FIRST to maximize the probability that these lunds are repatriated to your country?
- A. Initiate a criminal investigation of Person A in your country
- B. Directly contact the bank in Zurich to determine the source of the funds
- C. Submit a formal mutual legal assistance request to Switzerland requesting return of all funds in the account
- D. lndict Person A for money laundering in violation of Article 23 of the UNCAC
正解：A
質問 # 115
Ms. Lee, a compliance analyst at a multinational bank, discovers that a new client has close business ties with entities in a country subject to comprehensive OFAC sanctions. What is the most appropriate action for Ms.
Lee to take regarding the onboarding of the new client?
- A. Proceed with onboarding the new client but restrict transactions involving entities in the sanctioned country.
- B. Conduct enhanced due diligence on the new client and obtain approval from senior management before proceeding with onboarding.
- C. Reject the onboarding of the new client due to the client's business ties with entities in a sanctioned country.
- D. Seek guidance from OFAC on the permissibility of onboarding the new client given the circumstances.
正解：D
質問 # 116
Which two features of hawala make it particularly attractive to terrorist financing? Choose 2 answers
- A. The nature of the hawala system is based on trust making formal records unnecessary
- B. Hawala utilizes wire transfers thereby making it harder for authorities to track
- C. The hawala system generates a great deal of profits often used for terrorist financing
- D. The value of the transaction can be transferred across jurisdictions without the need for a hard currency transfer
正解：A、D
質問 # 117
During an organizational overview of financial crime controls, Ms. Patel, the compliance analyst, discovers that certain customer due diligence procedures are inconsistently applied across different branches of the organization. What should Ms. Patel recommend to address this issue?
- A. Assign responsibility for customer due diligence to individual branch managers.
- B. Disregard the inconsistencies as they may not significantly impact compliance.
- C. Implement additional layers of bureaucracy to ensure uniformity.
- D. Conduct a comprehensive review of existing customer due diligence procedures.
正解：D
質問 # 118
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