[2025年05月最新リリース]CAMS日本語試験問題はあなたをパスさせる
ACAMS CAMS日本語試験基本問題とアンサー
質問 # 44
顧客は農産物の輸出事業を経営しています。カリブ海地域への販売は長年にわたり着実に成長してきました。この顧客の口座残高が先月中に突然増加したことがわかりました。
マネーロンダリング対策の専門家はどのような根拠に基づいて疑わしい取引報告書を作成すべきでしょうか?
- A. クライアントは教育機関に通知せずに住所を変更しました。
- B. アクティビティの増加は郵便為替の入金によるものです。
- C. トラベラーズ チェック (小切手) は、非協力国および地域への旅行のために購入されました。
- D. 金融活動作業部会加盟国から電信送金が行われています。
正解：C
解説：
The customer activity that should trigger a suspicious transaction report is purchasing travelers checks (cheques) for trips to a Non-Cooperative Countries and Territories (NCCTs). This could indicate an attempt to evade currency reporting requirements, avoid sanctions or embargoes, or facilitate money laundering or terrorist financing through high-risk jurisdictions12. NCCTs are countries or territories that have been identified by the Financial Action Task Force (FATF) as having serious deficiencies in their anti-money laundering and counter-terrorist financing regimes, and that pose a threat to the international financial system3.
The other options are not necessarily grounds for a suspicious transaction report, although they may require further due diligence or monitoring depending on the customer profile and the nature of the transaction. For example:
* The increased activity is due to money order deposits. This could be a legitimate source of income for the customer's export business, or it could be a way of disguising the origin or destination of the funds. The anti-money laundering specialist should verify the identity and background of the customer and the issuers of the money orders, and check for any red flags or suspicious indicators4.
* Wire transfers are coming from a Financial Action Task Force member country. This could be a normal business practice, or it could be a sign of involvement in trade-based money laundering or other illicit activities. The anti-money laundering specialist should assess the customer's source of funds, business rationale, and market conditions, and monitor for any changes or inconsistencies.
* The client changed his address without advising the institution. This could be a simple oversight, or it could be a way of concealing the customer's true location or identity. The anti-money laundering specialist should update the customer's information, verify the new address, and check for any adverse media or sanctions.
References:
* ACAMS CAMS Certification Video Training Course - Exam-Labs3
* Exam CAMS: Certified Anti-Money Laundering Specialist (the 6th edition)4
* ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 1, page 11: https://www.
acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-1.pdf
* ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 2, page 29: https://www.
acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-2.pdf
* ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 4, page 77: https://www.
acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-4.pdf
* ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 5, page 97: https://www.
acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-5.pdf
質問 # 45
マネーロンダリングの可能性に関する法執行機関の捜査面接中に、容疑者は捜査官が虚偽であると信じる主張や声明を出し始めます。
調査員はどのように対応すべきですか？
- A. 疑惑の疑いを明らかにせずに、疑わしい虚偽の陳述について重要な性質の質問をする
- B. 問題のある質問に戻る前に、より良い関係ができるまでインタビューを別の方向に向けます。
- C. 詐欺が明白であることを容疑者に通知し、インタビューを続行する
- D. 詐欺の疑いがある場合はインタビューが終了することを容疑者に助言する
正解：A
質問 # 46 
- A. Option A
- B. Option D
- C. Option C
- D. Option B
正解：A、B、C
質問 # 47
別のFIUに役立つ可能性のある情報がある場合、FIUはどのアクションを取ることを検討する必要がありますか？
- A. 他のFIUと情報を共有する前に、エグモントグループに承認を要求する
- B. Wolfsbergガイドラインに従って、書面で他のFIUに情報を提出します
- C. 他のFIUから連絡があるまで何もしません
- D. 情報の共有の関連性が特定されるとすぐに、他のFIUに情報を自発的に提供します
正解：D
解説：
According to the Egmont Group of Financial Intelligence Units, which is a network of over 160 FIUs that promotes international cooperation and information exchange, FIUs should share information with foreign FIUs spontaneously, without prior request, when they have reasonable grounds to believe that the information is relevant for the receiving FIU1. This principle is also reflected in the FATF Recommendation 40, which states that FIUs should exchange information with other FIUs, especially when this information concerns money laundering, predicate offences, or terrorist financing2. Spontaneous information sharing can enhance the effectiveness of FIUs, as it can help to identify new leads, trends, patterns, or typologies, as well as to prevent or disrupt criminal activities1.
The other options are not consistent with the best practices of FIU information sharing. For example:
In accordance with Wolfsberg guidelines, submit the information to the other FIU in written form. The Wolfsberg Group is an association of 13 global banks that issues guidance and standards on anti-money laundering and counter-terrorist financing. However, the Wolfsberg guidelines are not binding for FIUs, and they do not specify the format or channel of information exchange between FIUs3. Moreover, submitting information in written form may not be the most efficient or secure way of communication, as it may cause delays, errors, or breaches of confidentiality.
Take no action until contacted by the other FIU. This option contradicts the principle of spontaneous information sharing, as it implies that the FIU with the relevant information will wait for a formal request from the other FIU, instead of proactively sharing the information. This may result in missed opportunities, inefficiencies, or failures in detecting or preventing money laundering or terrorist financing.
Request approval from the Egmont Group prior to sharing the information with the other FIU. This option is unnecessary and impractical, as the Egmont Group does not have the authority or the capacity to approve or deny individual information requests or exchanges between FIUs. The Egmont Group provides a platform and a framework for FIU cooperation, but it does not interfere with the operational autonomy or the bilateral relations of its members4.
References:
FATF Recommendation 40: Other Forms of International Co-operation
Egmont Group of Financial Intelligence Units Principles for Information Exchange Between Financial Intelligence Units Wolfsberg Group Egmont Group
質問 # 48
コンプライアンス オフィサーは、野生生物の密売に関与している疑いのある会社に関連する取引を調査しています。野生生物の人身売買スキームで一般的な活動は次のうちどれですか? (2 つ選択してください。)
- A. 野生動物農場と、一貫性のない事業分野で運営されている企業との間の多額の電信送金
- B. 顧客が無関係の第三者への代金の支払いを要求する
- C. 不正な金融商品を利用した交通費の支払い
- D. 環境、狩猟、または林業を監督する、政治的に露出した人物が関与する活動
- E. 法定通貨を暗号通貨に交換して、野生動物農場への支払いを完了する
正解：C、E
質問 # 49
治外法権の範囲がある米国愛国者法の側面は何ですか？
- A. 国際的なマネーロンダリングとテロ資金供与を防止、検出、起訴するための米国の措置を強化すること。
- B. 米国の外交政策に基づいて経済制裁および貿易制裁を実施すること。
- C. 大陸全体でより厳格なマネーロンダリング管理を義務付けること。
- D. 外国の金融機関（FI）および犯罪的虐待を受けやすいクラスの国際取引の精査を要求すること。
正解：D
解説：
The USA PATRIOT Act, enacted in 2001, is a comprehensive legislation that aims to enhance the US government's ability to combat terrorism, money laundering, and other criminal activities. One of the aspects of the Act that has extraterritorial reach is the requirement for US financial institutions (FIs) to apply certain due diligence and reporting obligations to their correspondent accounts and private banking accounts for foreign FIs and non-US persons, respectively12. These obligations are intended to prevent foreign FIs and individuals from using the US financial system to facilitate money laundering, terrorist financing, or other illicit activities. The Act also authorizes the Secretary of the Treasury to impose special measures, such as recordkeeping, reporting, or prohibitions, on certain foreign jurisdictions, FIs, or transactions that are found to be of primary money laundering concern34. These special measures can have significant impact on the access and operations of foreign FIs and persons in the US financial market.
References:
* 1: USA PATRIOT Act, Title III, Subtitle A, Section 3121
* 2: 31 CFR 1010.610 - Due diligence programs for correspondent accounts for foreign financial institutions2
* 3: USA PATRIOT Act, Title III, Subtitle A, Section 3113
* 4: 31 CFR 1010.651 - Imposition of special measure against foreign jurisdictions, foreign financial institutions, classes of international transactions, or types of accounts of primary money laundering
* concern4
Reference: https://www.fincen.gov/resources/statutes-regulations/usa-patriot-act
質問 # 50
弁護士は、クライアントに代わって仕事をしている間に、お金の移動に参加しました。弁護士がマネーロンダリング行為の疑いがある場合、欧州連合マネーロンダリング指令に従って弁護士は次のどれを行うべきですか?
- A. 事実を管轄当局に報告します。
- B. サービスを終了する意図をクライアントに通知します。
- C. 銀行秘密法に従ってください。
- D. ビジネス秘密保持法を遵守します。
正解：D
解説：
According to the FATF Recommendations, financial institutions should maintain all necessary records on transactions and customers for at least five years, and make them available to competent authorities upon appropriate authority1. This includes records and documents related to suspicious transactions that have been reported to the financial intelligence unit (FIU) or other designated authorities. Providing the supporting documentation to competent authorities upon request is essential for the investigation and prosecution of money laundering and terrorist financing offences, as well as for the identification and tracing of criminal assets2.
Hinting to the customer that she should come in and explain her behavior is not a correct answer, as it may tip off the customer about the suspicion and compromise the effectiveness of the reporting system. Financial institutions should not disclose to the customer or to third parties that a suspicious transaction report (STR) or related information is being reported to the FIU3.
Maintaining adequate written documentation of all individuals and transactions reported is not a sufficient answer, as it does not imply cooperation with competent authorities. Financial institutions should not only keep records, but also provide them to the authorities when requested.
Submitting information upon receiving a legal request from parties involved in a civil lawsuit is not a relevant answer, as it does not relate to the cooperation with competent authorities for AML/CFT purposes. Civil lawsuits are not part of the AML/CFT framework, and financial institutions should not disclose confidential information to private parties without proper legal grounds.
References:
* FATF Recommendation 11: Record-keeping 1
* FATF Recommendation 31: Powers of law enforcement and investigative authorities 2
* FATF Recommendation 21: Tipping-off and confidentiality 3
質問 # 51
カジノのコンプライアンス担当者は、個人が次の場合にマネーロンダリングを疑う可能性があります。
- A. 一括払いでレポート要件を呼び出します。
- B. 少量のチップを現金で購入し、カジノの小切手に渡します。
- C. カジノアソシエイトをファーストネームで指します。
- D. 賞金を第三者の銀行口座に送金するようリクエストします。
正解：D
質問 # 52
金融機関のマネーロンダリング防止担当者が、毎月の自己評価を実施しています。
役員は、顧客のポリシーを長年知っていることに従って、アカウントの増加を確認します。先月の自己評価では、1年以上ぶりにコンプライアンスの欠陥が大幅に増加したことが示されています。マネーロンダリング防止担当官が取るべき行動のネストコースは何ですか？
- A. 不足の原因がすぐに特定できるかどうかを判断する
- B. レポートを発行する前に顧客のコンプライアンスを簡単に理解できるようにポリシーを改訂します
- C. 口座開設トレーニングプログラムの改訂を実施する
- D. 直近の6か月間の顧客の把握ポリシーの傾向を取締役会に速やかに通知します。
正解：C
質問 # 53
町で人気のあるレストランは、以前よりも少ない現金を預け始めました。顧客のアカウントを確認すると、クレジットカードの領収書が増加せずに増加していることがわかります。
会計士は、レストランが私有の現金自動預け払い機（ATM）を現場に設置し、パティオのダイニングエリアに建設を開始したことを発見します。
どの赤旗が追加調査の引き金になりますか？
- A. 私有ATM
- B. 新しいパティオダイニングエリアの建設
- C. 現金預金の減少
- D. クレジットカードの領収書の増加
正解：A
解説：
According to the ACAMS study guide, one of the red flags for money laundering in cash-intensive businesses is "the presence of privately-owned ATMs on the premises" (p. 222). This could indicate that the business is using the ATM to deposit or withdraw large amounts of cash from illicit sources, or to facilitate the movement of funds across borders. The other options are not necessarily indicative of money laundering risk, as they could be explained by legitimate factors such as the change in customer preferences, the economic situation, or the expansion of the business.
:
ACAMS. (2020). Study Guide for the Certification Examination for Anti-Money Laundering Specialists (6th ed.). Miami, FL: ACAMS.
CFI. (2023)Money Laundering - Overview, How It Works, Example 1. Retrieved from
https://corporatefinanceinstitute.com
CALERT. (2016)How Do Criminals Launder Money Through a Restaurant? 2. Retrieved from https://calert.
info
質問 # 54 
- A. Option A
- B. Option D
- C. Option C
- D. Option B
正解：A
質問 # 55
テロ資金対策（CFT）
金融機関 (FI) が ML/TF リスク評価を更新する必要があるのはどのような状況ですか (2 つ選択してください)。
- A. 新しい理事が選出されたとき
- B. 機関が合併や買収に直面した場合
- C. AMLコンプライアンスチームが新しい従業員を雇用する場合
- D. 新しい製品、サービス、または顧客タイプが導入されたとき
- E. 同じ市内の新しい場所に販売拠点を開設する場合
正解：B、D
解説：
According to the ACAMS CAMS Certification Study Guide (6th edition), a financial institution (FI) should update its ML/TF risk assessment when there are changes in its business activities, customer base, or operating environment that may affect its exposure to ML/TF risks1 Some examples of such changes are:
* When new products, services or customer types are introduced: New products, services or customer types may introduce new or increased ML/TF risks that the FI may not have previously considered or addressed. For example, offering online banking, prepaid cards, or cross-border remittances may create new opportunities for money launderers or terrorist financiers to exploit the FI's systems and processes. Therefore, the FI should assess the ML/TF risks associated with the new products, services or customer types and implement appropriate controls to mitigate them12
* When the institution faces a merger or acquisition: A merger or acquisition may result in the FI inheriting the ML/TF risks of the other entity, as well as the potential liabilities and reputational damage that may arise from any ML/TF issues or violations. Therefore, the FI should conduct a due diligence on the other entity's ML/TF risk assessment, policies, procedures, and controls, and identify any gaps or weaknesses that need to be addressed. The FI should also integrate and harmonize the ML
/TF risk assessment and compliance programs of the merged or acquired entity with its own13: 1: ACAMS CAMS Certification Study Guide (6th edition), page 32. 2: Money laundering/terrorism financing risk assessment | AUSTRAC4 3: MONEY LAUNDERING & TERRORIST FINANCING (ML/TF) RISK ASSESSMENT METHODOLOGY5, page 4.
Reference: https://www.fatf-gafi.org/media/fatf/content/images/National_ML_TF_Risk_Assessment.pdf
質問 # 56
EU の第 4 次 AML 指令のリリースにより、加盟国の手続きにどのような変更が加えられましたか? (2 つ選択してください。)
- A. すべての金融機関は、法人の実質的所有者を特定および確認する必要がありました。
- B. 疑わしい取引を報告するためのしきい値が 15,000 ユーロから 10,000 ユーロに引き下げられました。
- C. 義務付けられたエンティティの範囲は、カジノからギャンブル サービスのすべてのプロバイダーに拡大されました。
- D. 犯罪行為に関する知識は、客観的な事実状況から推測できます。
- E. マネーロンダリングとテロ資金供与は別の犯罪として定義され、指令の措置が拡大されました。
正解：A、B
解説：
According to the Certified Anti-Money Laundering Specialist (the 6th edition), Section 2.2.2 The EU Fourth AML Directive, the release of the EU's Fourth AML Directive resulted in the threshold for reporting suspicious transactions decreasing from 15,000 EUR to 10,000 EUR (Answer A) and all financial institutions were required to identify and verify the beneficial owner of legal entities (Answer B). The directive also defined money laundering and terrorist financing as separate crimes, which expanded the directive's measures (Answer C). Answer D is incorrect as the scope of obliged entities was not enlarged from casinos to all providers of gambling services, but rather to all providers of payment services. Answer E is also incorrect as the directive does not provide that knowledge of criminal conduct can be inferred from objective factual circumstances. Reference: Certified Anti-Money Laundering Specialist (the 6th edition), Section 2.2.2 The EU Fourth AML Directive, p. 12.
質問 # 57
ある国の金融情報ユニット (FIU) は、国内外での重大な疑わしい資金移動に関する疑わしい活動報告 (SAR) を受け取りました。FIU は、この問題を国内で起訴する必要があるかどうかを判断するために、外国からの追加情報を必要としています。
このシナリオでは、次の記述のうちどれが正しいでしょうか?
- A. 外国からの情報にアクセスすることは、データ保護に関する国際法に違反します。
- B. 国家の主権とは、外国から情報にアクセスできないことを意味します。
- C. マネーロンダリングに関連するあらゆる情報は、管轄区域に関係なく、いつでもあらゆる組織から受け取ることができます。
- D. エグモントグループ加盟国は、相互に情報援助を要請することができます。
正解：D
解説：
Cross-border AML investigations require cooperation through official channels, such as the Egmont Group.
Option D (Correct): The Egmont Group is an international network of FIUs that facilitates secure information exchange in financial crime investigations.
Option A (Incorrect): While sovereignty applies, formal international cooperation mechanisms exist.
Option B (Incorrect): AML cooperation is allowed under legal frameworks (e.g., MLATs, Egmont Secure Web).
Option C (Incorrect): Information-sharing is restricted to authorized government agencies, not all organizations.
質問 # 58
米国愛国者法の下で米国銀行とのコルレス口座を維持する外国の金融機関に課せられる最も重要な懸念は次のとおりです。
1.コルレス銀行関係のキャンセル。
2.米国の銀行間口座での資金の没収。
3.シェルバンクのコルレス口座の禁止。
4.民間銀行口座を維持している米国居住者。
- A. 2、3、および4のみ
- B. 1、3、および4のみ
- C. 1、2、および4のみ
- D. 1、2、および3のみ
正解：C
質問 # 59
機関のマネーロンダリング防止プログラムの独立したテストは、どのような人が行う必要がありますか？
- A. 退職した政府規制当局または連邦法執行官
- B. 取締役会または取締役会委員会に直接報告する人
- C. マネーロンダリング防止分野の認定スペシャリスト
- D. 同様の機関の元マネーロンダリング防止担当官
正解：B
解説：
According to the Anti-Money Laundering Specialist (the 6th edition) by ACAMS, the independent testing of an institution's anti-money laundering program should be conducted by a person who reports directly to the Board of Directors or a Board Committee. This ensures that the person conducting the testing has the necessary authority, independence, and objectivity to evaluate the program's adequacy and effectiveness, and to report any findings or recommendations to the senior management1. The person conducting the testing should also have the appropriate knowledge, skills, and experience in the anti-money laundering field, and should be familiar with the institution's products, services, customers, and risks2.
The other options are not necessarily suitable or qualified to perform the independent testing of an institution's anti-money laundering program. For example:
A certified specialist in the anti-money laundering field may have the relevant expertise and credentials, but may not have the required independence or reporting line to conduct the testing. For instance, if the certified specialist is an employee of the institution who is involved in the implementation or operation of the anti-money laundering program, then there may be a conflict of interest or a lack of objectivity in the testing process1.
A former anti-money laundering officer from a similar institution may have the relevant experience and background, but may not have the current knowledge or familiarity with the institution's anti-money laundering program, policies, procedures, or systems. Moreover, the former anti-money laundering officer may have a personal or professional relationship with the institution or its staff, which may compromise the independence or integrity of the testing process1.
A retired government regulator or federal law enforcement officer may have the relevant authority and credibility, but may not have the specific skills or qualifications to conduct the testing. For instance, the retired regulator or law enforcement officer may not be well-versed in the latest anti-money laundering standards, regulations, or best practices, or may not be able to apply them to the institution's unique risk profile, products, services, or customers1.
References:
Anti-Money Laundering Specialist (the 6th edition) by ACAMS
What Is An AML Compliance Program? | ComplyAdvantage
質問 # 60
ビジネス関係を維持するためのリスクベースの包括的なガイドラインのセットが開発されています。
機関がクライアントとの関係を終了する必要があることを示すのはどの状況ですか？
- A. クライアントは、テロ組織が活動している国でビジネスを行っています。
- B. クライアントは、サイズと複雑さが類似していない別の機関によって作成された許容可能なリスクモデルの基準を超えています。
- C. クライアントは5億米ドルを超える国際金融取引を行います。
- D. クライアントは、金融機関によって作成された許容可能なリスクモデルの基準を超え、許容可能な是正措置を実行しません。
正解：D
解説：
According to the risk-based approach, financial institutions should apply enhanced due diligence and ongoing monitoring to higher-risk clients, and take appropriate measures to mitigate the risks of money laundering and terrorist financing. If the client exceeds the criteria of an acceptable risk model created by the institution, the institution should communicate the issues to the client and request remedial actions, such as providing additional information, documentation, or evidence of compliance. If the client does not cooperate or comply with the institution's requirements, the institution should consider terminating the relationship with the client, as the risk may outweigh the benefits of continuing the business relationship.
References:
ACAMS CAMS Certification Package - 6th Edition, Chapter 2: Risk Assessments, pp. 51-521 ACAMS CAMS Certification Package - 6th Edition, Chapter 4: Customer Due Diligence, pp. 97-981 ACAMS CAMS Certification Video Training Course, Module 2: Risk Assessments, Lesson 2.3:
Risk-Based Approach2
ACAMS CAMS Certification Video Training Course, Module 4: Customer Due Diligence, Lesson 4.3:
Enhanced Due Diligence
Reference:
http://www.fatf-gafi.org/media/fatf/documents/reports/Risk-Based-Approach-Banking-Sector.pdf
質問 # 61
テロ資金供与（CFT）
二国間で実行され、国境を越えた情報共有を規定する法的文書は、次のように呼ばれます。
- A. 理解の宣言。
- B. 合意覚書。
- C. 相互刑事援助条約。
- D. 覚書。
正解：C
解説：
Mutual Legal Assistance Treaties (MLATs)areformal agreementsforcross-border law enforcement cooperation.
* Option D (Correct):MLATsallow countries toexchange information, conduct joint investigations, and provide legal assistance.
* Option A (Incorrect):Memoranda of Agreement (MOA)are typicallynon-binding agreements between private entities.
* Option B (Incorrect):Declarations of understandingare informal statements, not legally binding treaties.
* Option C (Incorrect):Memoranda of Understanding (MOUs)governgeneral cooperation, not formal legal assistance.
Reference:FATF Recommendation 40 (International Cooperation), U.S.-EU MLATs, INTERPOL Guidelines on Cross-Border Investigations.
質問 # 62
銀行は、リロード可能な開ループプリペイドカードを顧客と非顧客の両方に販売しています。
マネーロンダリングを示している可能性があるこれらのカードに関連付けられている赤旗とは何ですか？
- A. 銀行以外のお客様が定期的に大量の現金を複数のプリペイドカードに入金しています。
- B. 銀行の顧客が定期的に5枚のプリペイドカードを毎月少額の偶数ドルで購入しています。
- C. 銀行の顧客は、歴史的に年末近くにいくつかのプリペイドカードを購入します。
- D. 銀行以外の顧客がプリペイドカードを使用してキャッシュアドバンスを取得するために銀行を一貫して使用しています。
正解：A
解説：
According to the CAMS Study Guide, page 191, "Reloadable open-loop prepaid cards are a high-risk product for money laundering because they can be used to store and move large amounts of funds anonymously. They can also be used to access cash at ATMs or through cash-back transactions at merchants." Therefore, option B is a red flag that may indicate money laundering, as a non-bank customer who regularly loads large amounts of cash onto several prepaid cards may be trying to avoid identification, verification, or transaction reporting requirements.
:
CAMS Study Guide, page 1911
質問 # 63
銀行のマネーロンダリング防止部門は、顧客がマネーロンダリングに関与している可能性があるという匿名のヒントを受け取ります。
この問題の調査中に考慮すべき2つの事実はどれですか？ （2つ選択してください。）
- A. 顧客は、いくつかの比較的リスクの高い司法管轄区に多数のワイヤを発行しています
- B. 顧客のアカウントには大量のアクティビティがありますが、通常、月末の残高は低いです
- C. 通貨取引報告要件の免除リストに載っている顧客
- D. 顧客は銀行に長年の口座を持っています
正解：A、B
質問 # 64
小金の送信機のマネーロンダリング防止コンプライアンス担当者は、米国の同じ地域に複数のエージェントの場所を持っています。顧客はA国からの移民であり、資金の大部分はA国に送金されます。
エージェントの1人との会議で、2人の新しい顧客が週3回来て、B国の同じ受取人に資金を送っていることが最近発見されました。
各現金取引は常に正確に8,000ドルになります。
2人の顧客による可能性のあるマネーロンダリング活動について、エージェントに何を警告する必要がありますか
- A. 各トランザクションは、現金報告のしきい値をわずかに下回っています
- B. 顧客が国Bに送金することはまれです
- C. 彼らは週3回来ています
- D. 同じ人に資金を送金します
正解：A
解説：
This involves breaking down large amounts of cash into smaller transactions that are below the reporting threshold of $10,000 in the United States, in order to avoid detection and reporting by the financial institution.
Structuring is a red flag for money laundering and should be reported to the authorities as a suspicious activity.
The other options are not necessarily indicative of money laundering, as they could have legitimate explanations. For example, the customers may have a family or business connection to the same recipient in Country B, or they may have a regular need to send money three times a week.
References:
* ACAMS CAMS Certification Video Training Course, Chapter 2: Money Laundering Risks and Methods, Section 2.2: Common Money Laundering Techniques
* Exam CAMS: Certified Anti-Money Laundering Specialist (the 6th edition), Question 91
* CAMS Certification Package - 6th Edition, Study Guide, Chapter 2: Money Laundering Risks and Methods, Page 38
質問 # 65
米国愛国者法のどの条項により、米国政府が外国銀行の米国コルレス口座に預けられた資金を差し押さえ、域外適用を及ぼすことが可能になるか。
- A. 第319条(b)
- B. 第314条(b)
- C. セクション314(a)
- D. 第319条(a)
正解：A
解説：
Section 319(b) of the USA PATRIOT Act allows U.S. authorities to seize funds from correspondent accounts held by foreign banks in the U.S.
Option A (Correct): Section 319(b) grants the U.S. government authority to seize assets in U.S. correspondent bank accounts belonging to foreign financial institutions involved in illicit activities.
Option B (Incorrect): Section 314(b) facilitates voluntary information sharing among financial institutions but does not authorize asset seizure.
Option C (Incorrect): Section 314(a) relates to law enforcement requests for financial intelligence, not asset seizures.
Option D (Incorrect): Section 319(a) concerns record-keeping requirements for foreign banks but does not authorize asset seizures.
Best Practices for Foreign Banks with U.S. Correspondent Accounts:
Ensure full AML compliance to avoid regulatory scrutiny.
Avoid processing high-risk transactions that may trigger U.S. jurisdiction.
Monitor cross-border transactions to detect potential financial crime exposure.
Reference:
USA PATRIOT Act Section 319(b) (Correspondent Banking Asset Seizures)
FinCEN Guidance on Extraterritorial AML Compliance
FATF Recommendation 13 (Correspondent Banking AML Risks)
質問 # 66
テロ資金対策（CFT）
EUの信託会社サービスプロバイダー（TCSP）のアナリストは、顧客の財務諸表と詳細な総勘定元帳を確認中に、不審な動きに気づきました。顧客は機械の輸出入業を営んでいます。コンプライアンス担当者へのエスカレーションが必要な取引指標はどれですか？
- A. 税効率の高い管轄区域内の外国企業への会社秘書報酬の支払い。
- B. 機械の出荷資金を調達するために、親会社から子会社に貸し付ける会社間融資。
- C. 海外バーチャルオフィスサービスの支払い。
- D. 外国の管轄区域に設立された無関係の会社およびサービスプロバイダーへのコンサルタント料の支払い。
正解：D
解説：
According to the CAMS Study Guide, one of the methods to launder money using TCSPs is to create a complex web of transactions involving multiple entities and jurisdictions, often using shell companies and nominees. The payment of consultancy fees to unrelated companies and service providers established in a foreign jurisdiction could be a sign of such a scheme, as it could be used to disguise the origin and destination of illicit funds, or to evade taxes and regulations. Therefore, this transaction indicator warrants further escalation to the compliance officer.: CAMS Study Guide, 6th Edition, Chapter 2, page 69.
質問 # 67
疑わしい活動が特定された場合、法執行機関はどのようにして機関から文書を入手する必要がありますか？ （2つ選択してください。）
- A. 説明責任のある機関に関連文書のコピーを要求します。
- B. 説明責任のある機関の従業員に支払いをして、文書のコピーを作成します。
- C. FIUに書類を要求します。
- D. 疑わしい取引レポートのコピーをFinancial Intelligence Unit（FIU）に共有するように要求します。
- E. 書類を入手するために捜査令状を取得します。
正解：A、E
解説：
Law enforcement should obtain documentation from an institution when suspicious activity was identified by either requesting copies of the relevant documents from the accountable institution or acquiring a search warrant to obtain the documents. These are the legal and proper ways to access the supporting documentation that the institution is required to maintain for five years after filing a suspicious activity report (SAR). The institution must provide the documentation upon request by FinCEN or an appropriate law enforcement or supervisory agency, and should verify the identity and authority of the requestor. Law enforcement can also obtain a search warrant from a court if they have probable cause to believe that the documents contain evidence of a crime.
:
Suspicious Activity Report Supporting Documentation
Answers to Frequently Asked Questions Regarding Suspicious Activity Reporting and Other Anti-Money Laundering Considerations, Question 1.
Obtaining Documentation from an Institution: Law Enforcement Procedures Reference: https://www.federalregister.gov/documents/2010/12/03/2010-29869/financial-crimes-enforcement- network-confidentiality-of-suspicious-activity-reports
質問 # 68
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