[2025年更新]CAMS試験問題集でテストエンジン練習テスト問題
合格できるCAMS試験[2025年03月06日]最新645問題
CAMS資格は、金融サービス業界の雇用主にとって非常に価値があり、コンプライアンスとリスク管理に対するコミットメントを証明します。さらに、多くの規制機関や法執行機関がCAMS資格をAML分野の専門知識の証明として認めています。CAMS資格を持つ専門家は、より多くの求人機会、高い給与、そしてキャリアアップの可能性が高くなる可能性があります。
質問 # 343
Which two statements about the Wolfsberg Group are true?
- A. It has no power to impose its principles/guidance
- B. It based its original guidance around combating the laundering of proceeds of narcotics trafficking
- C. It focuses primarily on Know Your Customer, AML and CTF guidance
- D. It is composed of representatives of financial intelligence units from around the world
正解：A、C
質問 # 344
Which statement is true about banking regulatory agencies having the authority to obtain information from regulated institutions?
- A. A search warrant may be substituted by a court subpoena compelling the institution to produce the information to the regulatory agency
- 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. The regulatory agencies may only obtain information from the regulated institution's books and records by virtue of a search warrant
- D. The agencies authority to conduct examinations negates the need for a warrant or subpoena
正解：D
質問 # 345
A new accounts representative recently opened an account for individual whose stated employment is tutoring students. Which customer action indicates possible money laundering?
- A. Continually making weekly small cash deposits
- B. Opening a savings account and makes frequent transfers from the checking account.
- C. Periodically initiating wire transfers to another account owned by a relative
- D. Transferring all funds to another bank on the same day of large cash deposits
正解：D
質問 # 346
A financial institution located within the European Union has historically allowed anonymous accounts.
Which of the following is the best method for this institution to use to ensure compliance with the European Union Money LaunderingDirectives?
- A. Perform the required customer due diligence on these accounts before accepting or completing any transaction.
- B. Alert local law enforcement authorities of activities observed in these accounts.
- C. Freeze these accounts and remit funds to the appropriate Financial Intelligence Unit before completing any transaction.
- D. Close these accounts immediately and send funds to account holder.
正解：A
解説：
Explanation
Explaination: TO BE RECHECKED
質問 # 347
According to experts, what is the most effective way to prevent money laundering through financial institutions?
- A. Instituting a policy prohibiting the acceptance of funds intended for terrorist financing
- B. Ensuring that transaction monitoring systems can identify terrorist financing
- C. Implementing a sound customer due diligence program
- D. Collecting information on beneficial owners and foreign customers
正解：C
解説：
Explanation
"A sound Customer Due Diligence (CDD) program is one of the best ways to prevent money laundering and other financial crime."
質問 # 348
What does the Financial Action Task Force (FATF) urge its members and all other jurisdictions to do when a jurisdiction is identified as having lax anti-money laundering / counter financing of terrorism controls?
- A. Consider customers from that jurisdiction as high risk
- B. Apply economic sanctions until otherwise notified by FATF
- C. Apply counter-measures to that jurisdiction
- D. Cease doing business with that jurisdiction immediately
正解：C
解説：
The FATF is an inter-governmental body that sets standards and promotes effective implementation of legal, regulatory and operational measures to combat money laundering, terrorist financing and other related threats to the integrity of the international financial system1. The FATF identifies jurisdictions with serious strategic deficiencies in their anti-money laundering / counter financing of terrorism (AML/CFT) regimes and issues public statements to warn the international community of the risks emanating from these jurisdictions2. These jurisdictions are also known as high-risk jurisdictions subject to a call for action, or the "black list" in external sources2. The FATF urges its members and all other jurisdictions to apply counter-measures to protect themselves from the money laundering and terrorist financing risks posed by these jurisdictions2. Counter-measures are enhanced due diligence or restrictive measures that go beyond the normal AML/CFT requirements, such as requiring additional information or documentation, rejecting transactions, restricting business relationships, or terminating correspondent banking relationships3. The FATF also provides guidance on the types and levels of counter-measures that may be appropriate, depending on the specific risks and circumstances of each jurisdiction3.
References:
1: What is the FATF? | FATF
2: High-Risk Jurisdictions subject to a Call for Action | FATF
3: Guidance on Counter Proliferation Financing - The Implementation of Financial Provisions of United Nations Security Council Resolutions to Counter the Proliferation of Weapons of Mass Destruction | FATF
質問 # 349
A customer puts high-denomination cash notes into a poker machine at a casino. Without placing any bets, the customer collected winnings in the form of a check from the casino.
Which money laundering threats could result from the customer's activities?
- A. Micro-structuring cash
- B. Obscured beneficial ownership
- C. Misuse of money service business
- D. Legitimizing illicit funds
正解：A
解説：
1. A. Micro-structuring cash:
The customer's behavior of putting high-denomination cash notes into a poker machine without placing bets and then collecting winnings in the form of a check resembles "structuring" or "smurfing." Structuring involves breaking down large sums of money into smaller transactions to avoid detection. In this case, the customer may be attempting to legitimize illicit funds by converting them into casino winnings1.
2. B. Legitimizing illicit funds:
By using the poker machine to convert cash into a check, the customer is potentially legitimizing illicit funds.
The casino winnings obtained through this process may appear legitimate, even though the initial source of the cash remains suspicious1.
A: Micro-structuring cash:
The customer's actions of repeatedly inserting high-denomination cash notes into the poker machine without placing bets and then collecting winnings in the form of a check resemble structuring. Structuring involves deliberately breaking down large amounts of cash into smaller transactions to avoid detection. Money launderers engage in structuring to obscure the origin of funds and make them appear legitimate. In this case, the customer's behavior raises red flags and warrants further investigation.
B: Legitimizing Illicit Funds:
By converting cash into casino winnings (in the form of a check), the customer may be attempting to legitimize illicit funds. The casino winnings obtained through this process could be used to create a veneer of legitimacy, even though the initial source of the cash remains suspicious. Casinos are attractive for money launderers due to the anonymity and fluidity of transactions, making it challenging to trace the origin of funds1.
References: 1: Anti-Money Laundering Specialist (6th edition), ACAMS, Chapter 3: "Money Laundering and Terrorist Financing Methods," Section 3.1.2: "Structuring."
質問 # 350
Which customer transaction with a securities dealer would indicate the highest suspicion of money laundering?
- A. Recurring transfers of money into a brokerage account subsequently invested in short-term securities
- B. Frequent trades in unlisted securities throughout the day on a regular basis
- C. A high level of account activity with very low levels of securities transactions
- D. Investment in securities with a significantly lower risk than the customer's expressed risk tolerance
正解：C
質問 # 351
A popular restaurant in town has begun depositing less cash than it has in prior years. In a review of the customer's accounts, you notice that credit card receipts have increased with no explanation.
The account officer discovers that the restaurant has installed a privately-owned automated teller machine (ATM) onsite and has begun construction on a patio dining area.
Which red flag should trigger additional investigation?
- A. Increased credit card receipts
- B. Privately-owned ATM
- C. Lower cash deposits
- D. Construction of the new patio dining area
正解：A
質問 # 352
A money remittance business will most likely attract money launderers because it:
- A. deals primarily in cash transactions.
- B. conducts transactions for walk-in customers.
- C. does not have to comply with transaction reporting.
- D. engages in international transactions.
正解：A、B、D
質問 # 353
Which product type is subject to US extra jurisdictional reach over non-US banks and non-US persons under the USA PATRIOT Act?
- A. Private banking
- B. Trade finance
- C. Correspondent banking
- D. Commercial lending
正解：C
解説：
The product type that is subject to US extra jurisdictional reach over non-US banks and non-US persons under the USA PATRIOT Act is Correspondent Banking. According to the Certified Anti-Money Laundering Specialist (the 6th edition) Study Guide, "The USA PATRIOT Act extends the reach of the Bank Secrecy Act and other anti-money laundering statutes to non-U.S. banks and non-U.S. persons. This extra jurisdictional reach includes, but is not limited to, correspondent banking."
質問 # 354
What is one recommendation of the Basel Committee's 2001 paper Customer Due Diligence for Banks"?
- A. Politically Exposed Persons (PEPs) should not be accepted as customers
- B. Numbered accounts should not be allowed
- C. Banks should develop dear descriptions of acceptable customers
- D. Certain types of private banking can be exempt from KYC procedures
正解：C
質問 # 355
When a regulatory body requires international assistance in a money laundering inquiry, such assistance is typically obtained by
- A. Contacting the Financial Action Task Force, Organization for Economic Co-operation and Development, or other international organizations and seeking their intervention.
- B. Communicating with the Head of Compliance for the financial institution.
- C. Filing a request under Egmont guidelines.
- D. Submitting a request for overseas assistance to the corresponding supervisory body.
正解：C
解説：
The Egmont Group of Financial Intelligence Units (FIUs) is a global network of FIUs that facilitates and promotes the exchange of information, knowledge, and cooperation among its members to combat money laundering, terrorist financing, and other financial crimes1. The Egmont Group has developed operational guidance for international cooperation and information exchange among FIUs, which includes channels, procedures, and forms for making and receiving requests2. Filing a request under Egmont guidelines is therefore a common and effective way for a regulatory body to obtain international assistance in a money laundering inquiry, as it ensures that the request is made through the appropriate and secure channel, and that it meets the standards and expectations of the requested FIU.
References:
1: Home - Egmont Group
2: EGMONT GROUP OF FINANCIAL INTELLIGENCE UNITS OPERATIONAL GUIDANCE FOR
...
質問 # 356
A client is a wholesale auto business that operates as a used car lot. The client regularly ships vehicles internationally. In a four-month period, the client received wires totaling $ 1,250,000 from a dealer in Benin in West AfricA. All wires originated from Benin and were in increments of $50,000.
Account debits made to the account were payable to various transport companies. All incoming checks reference various vehicles purchased. Dock shipping receipts produced by the client to support account activity identify the vehicles but cannot easily be tied to the wires receives.
What is the suspicious behavior?
- A. Account debits are payable to transport companies
- B. Vehicles are regularly shipped internationally
- C. Wires received are in large, even dollar amounts
- D. The dock shipping receipts match the vehicles
正解：C
解説：
The correct answer is C. Wires received in large, even dollar amounts are a suspicious behavior, as they may indicate an attempt to avoid reporting thresholds or to conceal the source of funds. Large and round numbers are often used by money launderers to simplify calculations or to avoid arousing suspicion12. The other options are not necessarily suspicious, as they may reflect the normal business operations of a wholesale auto business that ships vehicles internationally. The dock shipping receipts match the vehicles (A), vehicles are regularly shipped internationally (B), and account debits are payable to transport companies (D) are all plausible and legitimate activities for such a business.
References:
* ACAMS CAMS Certification Video Training Course3, Module 3: Risks and Methods of Money Laundering and Terrorism Financing, Lesson 2: Methods of Money Laundering
* ACAMS CAMS Certification Study Guide1, Chapter 3: Risks and Methods of Money Laundering and Terrorism Financing, Section 3.2: Methods of Money Laundering, pp. 79-80
質問 # 357
A bank has maintained an account for a European charity for several years. The charity provides clothing to persons in need in various countries with active terrorists' cells.
Which action by the charity indicates possible terrorist financing?
- A. The charity frequently withdraws cash from the bank
- B. The charity maintains a bank account for non-business-related expenses
- C. The charity has branch locations located in various countries
- D. The charity receives cash donations primarily from European countries
正解：C
解説：
Reference: https://www.fatf-gafi.org/media/fatf/documents/reports/FATF%20Terrorist%20Financing%
20Typologies%20Report.pdf
質問 # 358
The compliance officer for a bank is reviewing on-boarding documents for a new business account for a domestic corporation. The officer is unable to verify the identity of the beneficial owners of the company.
Only
information on the nominee owners was provided, and none of the listed addresses are local. The purpose of the business and future expected activity were disclosed to include cash letters, money orders and international remittance transfers.
Which red flag identifies a heightened money laundering risk?
- A. Expected activity was advised to include cash letter and money orders
- B. Account signer's government issued identification lists addresses outside of where the branch account was opened
- C. The nature and purpose of the business include international remittance transfers
- D. The names provided at account opening are identified as the corporation's representative nominees
正解：C
質問 # 359
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