CAMS7練習テスト問題解答には更新された308問があります [Q62-Q86]

CAMS7練習テスト問題解答には更新された308問があります

CAMS7問題集はCAMS Certification合格確定させる練習で308問があります

質問 # 62
Which of the following are included in the 11 Immediate Outcomes outlined in the Financial Action Task Force (FATF) methodology for assessing technical compliance with the FATF Recommendations and the effectiveness of AML/CFT/CPF systems during mutual evaluations? (Select Three.)

A. Supervisors regulate financial institutions and non-bank financial institutions and their risk-based AML
/CFT programs
B. Financial intelligence information is collected by authorities and shared with the FATF for further investigation
C. Those convicted of money laundering offenses are denied access to basic banking services
D. Money laundering offenses are investigated and criminally prosecuted
E. International cooperation provides actionable information to use against criminals

正解：A、D、E

質問 # 63
A bank received a subpoena regarding one of its clients. The financial intelligence unit of the bank should review the subpoena and:

A. Adjust the client's risk score and close the case.
B. Close the client's account by informing the client of the subpoena.
C. Perform a transaction review and respond fully to the subpoena.
D. File a suspicious activity report (SAR), including the receipt of the subpoena in the SAR narrative.

正解：C

質問 # 64
A bank has been fined for failing to take reasonable care to establish and maintain effective systems and controls for high-risk customers, including politically exposed persons (PEPs).
Which typical financial crime risks should the bank have addressed? (Choose three.)

A. Assessing and reviewing the minutes of the relevant committee responsible for onboarding customers
B. Ensuring that resources in its compliance and AML areas kept pace with the bank's growth
C. Assessing the level of money laundering risk posed by prospective and existing high-risk customers
D. Gathering sufficient information to establish the source of funds and source of wealth
E. Ensuring an employee is responsible for liaison with the authorities on matters related to countering the finance of terrorism

正解：B、C、D

解説：
For high-risk customers, including PEPs, the bank should have gathered adequate information on the source of funds and wealth, assessed the money laundering risk of each customer, and ensured compliance and AML resources scaled with business growth to maintain effective systems and controls.

質問 # 65
Under the Egmont Group Principles, information exchange among financial intelligence units (FIUs) should be conducted:

A. Only if the status of the foreign FIU is related to law enforcement.
B. Freely, spontaneously, and upon request, on the basis of reciprocity.
C. With set limits on the amount of financial and administrative information provided.
D. Without the expectation of reciprocity on how the information will be used.

正解：B

質問 # 66
An organization is developing a comprehensive anti-money laundering (AML) framework.
Which of the following statements best describes the relationship between AML policies and procedures?

A. Policies are broad guidelines. Procedures are detailed Instructions for specific processes. Only procedures are mandatory for knowledge and adherence.
B. Policies define the principles of an organization and influence the drafting of procedures. Procedures are detailed instructions for specific processes.
C. Policies are detailed instructions for specific processes. Procedures are an overarching framework.
Neither policies nor procedures are mandatory for knowledge and adherence
D. Policies are detailed instructions for specific processes Procedures are an overarching framework Both policies and procedures are mandatory for knowledge and adherence.

正解：B

質問 # 67
Cryptocurrency-related technologies that can be exploited by money launderers include: (Select Two.)

A. small language models.
B. privacy coins.
C. crypto-mixers.
D. generative copilots.

正解：B、C

解説：
* C: Privacy coins (like Monero, Zcash) are designed to obscure transaction details, making tracing difficult.
* D: Crypto-mixers (or tumblers) mix potentially identifiable cryptocurrency funds with others, obscuring the source.
* "Privacy coins and mixing services are specifically cited as high ML/TF risk tools, enabling greater anonymity."(CAMS 6th Edition, Cryptoassets ML/TF Risks; FATF, Virtual Assets Guidance) References:
CAMS 6th Edition, Virtual Assets, Privacy Coins, and Mixing Services
FATF, Virtual Assets and VASPs Guidance

質問 # 68
Which of the following are common indicators of possible money laundering within the securities industry?
(Select Two.)

A. Engaging in transactions involving nominees or third parties
B. Using brokerage accounts like deposit accounts
C. Receiving securities into an existing brokerage account following the death of a spouse
D. Allowing fixed income securities to mature

正解：A、B

質問 # 69
Which of the following are part of a risk-based approach? (Select Three.)

A. Allocating resources equally across all customer segments to ensure fairness
B. Determining detailed risk profiles for customers based on their activities and relationships
C. Focusing monitoring primarily on previously flagged customers while using standard controls for others
D. Performing a comprehensive risk assessment to identify customer, transaction, and geographic risks
E. Choosing and applying effective controls that align with the identified risk levels

正解：B、D、E

解説：
A risk-based approach is central to AML/CFT programs and includes:
* A: Creating detailed risk profiles for customers based on their behaviors and connections.
* C: Applying controls that are tailored to the actual risk (not a one-size-fits-all approach).
* D: Performing a thorough risk assessment, considering customer, transaction, and geographic factors.
"A risk-based approach involves risk profiling, tailored controls, and comprehensive risk assessment across key risk factors." (CAMS 6th Edition, Risk-Based Approach and Risk Assessment) Incorrect:
* B: Monitoring only flagged customers is not sufficient.
* E: Equal allocation of resources ignores differing risk levels.
References:
CAMS 6th Edition, AML Compliance Program
FATF Recommendation 1: Risk-Based Approach

質問 # 70
A financial institution's (FI's) policy is to apply enhanced due diligence (EDD) for every new client to ensure the effectiveness of the program.
How should a consultant advise the FI's management team?

A. Suggest the management team ask the regulator for advice on EDD measures.
B. Suggest EDD for 50% of the clients is appropriate.
C. Suggest the management team select the clients that are chosen for EDD.
D. Suggest the FI needs to implement a risk-based approach for EDD.

正解：D

質問 # 71
An EU Trust and Company Service Provider analyst notices some unusual activity while looking through a customer's financial statements and detailed general ledger. The customer is in the business of importing and exporting machineries.
Which transaction indicator warrants further escalation to the compliance officer?

A. The payment of consultancy fees to unrelated companies and service providers established in a foreign jurisdiction
B. Inter-company loans from the holding company to the subsidiary company to finance the shipment of machinery
C. The payment of virtual offices services overseas
D. The payment of company secretarial retainer fees to a foreign company in a tax-efficient jurisdiction

正解：D

質問 # 72
Which statement is the most accurate describing who must comply with Office of Foreign Assets Control (OFAC) sanctions?

A. All US citizens and permanent residents regardless of where they are located, all US incorporated entities excluding their foreign branches, and all individuals and entities within the United States
B. All US citizens and permanent residents regardless of where they are located, all US incorporated entities and their foreign branches, and all individuals and entities within the United States
C. All US citizens except those with dual nationality, US permanent residents, all US incorporated entities, and all individuals within the United States
D. All US citizens and permanent residents while located in the US, all US incorporated entities and their foreign branches, and all individuals within the United States

正解：B

質問 # 73
Which of the following accurately describes the economic, reputational and social consequences of money laundering (ML) and the risks and consequences of violating AFC regulations? (Choose two.)

A. When a financial institution (FI) is found to be promoting ML or violating AFC regulations, this can lead to a loss of confidence in the institution and a loss of customers. Interestingly, this scenario might sidestep any legal consequences for the Fl.
B. Jurisdictions perceived as having insufficient ML measures might be identified as uncooperative or high-risk, potentially facing restricted access to international markets, though economic sanctions by other countries are an unlikely outcome.
C. ML undermines the integrity and stability of financial systems and makes them vulnerable to illegal activity. This can erode investor confidence and hinder economic growth.
D. When laundered funds flow into legitimate economies, they can be used for illegal purposes, such as funding terrorist activities or organized crime. This distorts resource allocation and undermines development.

正解：C、D

解説：
Money laundering corrodes financial-system integrity, eroding investor confidence and impeding sustainable economic growth.
Illicit funds entering legitimate economies can finance terrorism and organized crime, skew resource allocation, and stifle development.

質問 # 74
Money services businesses (MSBs), payment service providers, and e-commerce platforms usually have a high volume of daily transactions.
What are the risks associated with these types of businesses? (Choose two.)

A. KYC challenges arise because e-commerce platforms face global customers making customer due diligence complex and resource intensive
B. These businesses are highly regulated and therefore have no reason to be non-compliant as this would put them at risk of sanctions and fines
C. Criminals can make use of identify fraud to fulfill KYC processes for layering purposes
D. These businesses are all cash intensive, increasing the risk of financial crime
E. The settlement systems of these businesses are not sophisticated enough to cope with the high transaction volume

正解：A、C

解説：
E-commerce platforms face KYC challenges due to a global and diverse customer base, making due diligence complex, while criminals may exploit identity fraud to pass KYC checks and facilitate layering in money laundering schemes. These factors increase the financial crime risks for such businesses.

質問 # 75
According to the Basel Committee principles, which actions would make a customer identification program at a bank more robust? (Select Two.)

A. Verifying the identity of a customer with reputable online source documentation
B. Understanding the nature and purpose behind a new business opening an account at the bank
C. Limiting the online activities of a new customer during the first two months
D. Understanding why a customer has selected a particular financial institution for banking

正解：B、D

質問 # 76
According to the Financial Action Task Force (FATF) methodology, which situations would require a financial institution (FI) to consider filing a suspicious activity report?

A. A FI is unable to verify the relevant customer due diligence documents.
B. A transaction involves funds exchanged from crypto to fiat currencies.
C. A beneficiary of a transaction is a politically exposed person.
D. A FI identifies the payer is a dealer in precious metals or stones.

正解：A

質問 # 77
When a multinational organization develops its anti-financial crime (AFC) program, what is the most important consideration for ensuring compliance across different jurisdictions?

A. Ensuring sanctions coy on international bodies like the UN because there is no requirement to adhere to local laws.
B. Applying global AFC and sanctions policies to ensure consistency without the need to adapt to local regulations.
C. Ensuring group policies cater to compliance with each country's specific AML and sanctions regulations.
D. Ensuring group policies and procedures prioritize adherence to US regulations because they are the most influential worldwide.

正解：C

解説：
A global organization must ensure its group policies accommodate compliance with each country's specific AML and sanctions regulations to effectively manage risks across multiple jurisdictions.

質問 # 78
Which money laundering risks are posed by the misuse of trust and asset management services? (Select Three.)

A. Allowing for third-party custody safekeeping of funds
B. Establishing escrow accounts for real estate transactions
C. Concealing sources of funds
D. Concealing true legal and beneficial owners
E. Adding a layer of anonymity to transactions

正解：C、D、E

解説：
* A, C, D:
* "Trust and asset management services can facilitate the concealment of the source of funds (A), provide a layer of anonymity to transactions (C), and obscure the true legal and beneficial owners (D). These are well-established ML/TF risks in the private wealth sector."(CAMS 6th Edition, ML/TF Risks in Trust and Asset Management)
* B and E are normal aspects of asset management and are not in themselves ML/TF risks unless combined with other suspicious behaviors.
References:
CAMS 6th Edition, Risks in Trust and Asset Management
FATF Recommendations 24, 25

質問 # 79
Which is a key goal of the EU's Directives on money laundering?

A. Establish a consistent regulatory environment across the EU to prevent money laundering.
B. Build a network of financial institutions that work together to prevent money laundering across the EU.
C. Address control of payments in EU countries to reduce money laundering.
D. Allow member states to discuss the draft legislation with the cooperation of the EU financial intelligence units.

正解：A

質問 # 80
A bank organized under foreign law and located outside of the US maintains a correspondent banking relationship with a US-based bank to handle financial transactions in US dollars for its clients. In compliance with the USA PATRIOT Act of 2001, all US banks and broker-dealers in securities must obtain a signed certification from all non-US foreign bank clients conducting business with them.
What information does the USA PATRIOT Act of 2001 require the foreign bank to certify to the US bank?
(Select Three.)

A. The foreign bank's operations will be limited to the country of incorporation
B. The foreign bank will not allow indirect use of the correspondent bank accounts by Politically Exposed Persons (PEPs)
C. The ownership details of the foreign bank
D. The jurisdictions in which the foreign bank maintains a physical presence
E. The foreign bank will not allow indirect use of the correspondent bank accounts by shell banks

正解：C、D、E

質問 # 81
Risks associated with real estate transactions include (Select Two.)

A. cross-border purchases.
B. non-financed purchases.
C. paying true market price for a property.
D. purchases in the name of a natural person.

正解：A、B

解説：
Real estate transactions are vulnerable to ML/TF risks, particularly when there is limited transparency or unusual payment methods:
* Cross-border purchases (A):"Purchases by foreign buyers, especially from high-risk jurisdictions, are a red flag for money laundering in the real estate sector."(CAMS 6th Edition, Real Estate Money Laundering Risks; FATF, Money Laundering and Terrorist Financing through the Real Estate Sector,
2007)
* Non-financed purchases (D):"Non-financed (all-cash) purchases can indicate the introduction of illicit funds into the financial system, bypassing the controls of mortgage lenders."(CAMS 6th Edition, Real Estate ML/TF Risks) Incorrect Options:
* B: Purchasing in the name of a natural person is standard and not inherently risky.
* C: Paying the true market price does not raise ML/TF risk.
References:
CAMS 6th Edition, Chapter: ML/TF Risks in Real Estate
FATF, Money Laundering and Terrorist Financing through the Real Estate Sector (2007)

質問 # 82
What is the first step in designing an effective controls framework using a risk-based approach?

A. Assessing risk controls
B. Establishing risk controls
C. Conducting a risk assessment
D. Ongoing risk monitoring

正解：C

解説：
The first step in designing an effective controls framework using a risk-based approach is conducting a risk assessment. This identifies and evaluates inherent risks, providing the basis for determining which controls are necessary and how they should be prioritized.

質問 # 83
Common risks associated with cryptocurrency and convertible virtual currencies include: (Choose three.)

A. facilitating payment for other illicit activities and goods.
B. funds being stolen from other users.
C. difficulty converting into physical currency.
D. obscuring the source of illicit funds.
E. layering transactions to hide the origin of funds derived from illicit activity.

正解：A、D、E

解説：
Cryptocurrency and convertible virtual currencies present common financial crime risks such as obscuring the origin of illicit funds, being used to layer transactions for money laundering, and facilitating payments for illegal goods and services due to their pseudo-anonymous and borderless nature.

質問 # 84
Which of the following corporate structures present a higher money laundering risk because of reduced transparency? (Select Three.)

A. A company with nominee shareholders and directors in a local jurisdiction
B. A private investment company incorporated in a tax haven jurisdiction with strict secrecy laws
C. A private company that has no activity in a tax haven jurisdiction
D. A company with bearer shares incorporated in a tax haven jurisdiction
E. A limited liability company incorporated in a foreign jurisdiction

正解：A、D、E

質問 # 85
Which payment type presents the highest financial crime risk?