CCASのPDF問題集で2026年02月07日最近更新された問題
CCAS試験問題有効なCCAS問題集PDF
質問 # 10
In cryptoasset compliance, "integration" refers to:
- A. Staking assets to earn rewards.
- B. Transferring crypto between wallets.
- C. Mixing crypto to hide origins.
- D. Converting illicit crypto into fiat or legitimate assets.
正解：D
解説：
Integration is the final stage of money laundering, where illicit funds re-enter the economy appearing legitimate - e.g., converting crypto into fiat via exchanges or buying assets.
質問 # 11
A suspicious activity report was filed in the EU for a local company account that held funds generated by the sale of product coupons. A review of the account highlighted a login from an unconnected IP address. Despite repeated requests, the customer failed to provide information on the origins of the funds. Which is the main red flag here?
- A. Virtual asset service providers outside of the EU are being relied upon.
- B. There is a failure to cooperate with the source of funds requests.
- C. An IP address is being used that is not previously connected to that customer.
- D. Funds are generated by the sale of coupons which are connected to a physical product.
正解：B
解説：
The main red flag is the customer's failure to cooperate with requests to provide information on the origin of funds, which undermines transparency and raises suspicion regarding the legitimacy of the funds.
While an unconnected IP address (D) is suspicious, non-cooperation (C) is a stronger indicator of potential money laundering.
質問 # 12
Which governance function is ultimately responsible for approving AML/CFT policies?
- A. Compliance officer
- B. MLRO
- C. Board of Directors
- D. Chief Executive Officer
正解：C
解説：
The Board holds ultimate responsibility for policy approval under DFSA and FSRA AML rules, ensuring senior-level oversight.
質問 # 13
Which scenario most likely indicates active involvement of a customer in scam activities?
- A. Indirect receiving from a scam cluster
- B. Direct receiving from a scam cluster
- C. Direct sending to a scam cluster
- D. Indirect sending to a scam cluster
正解：C
解説：
Directly sending to a scam cluster is a strong indicator of active participation rather than passive exposure, triggering SAR obligations.
質問 # 14
In sanctions screening, a "fuzzy match" occurs when:
- A. The customer is in a low-risk jurisdiction.
- B. There is no match found.
- C. Only wallet addresses match exactly.
- D. A partial or near match to a sanctions list entry occurs.
正解：D
解説：
Fuzzy matches require further review to confirm whether the match is a true hit or a false positive, ensuring compliance accuracy.
質問 # 15
A client at a virtual asset service provider (VASP) opened a wallet four weeks earlier with 201,000 USD. The client received a Bitcoin transfer for a total of 565,400 USD. Which is the strongest indication of an illicit source of funds for the client?
- A. Two days after opening the wallet, the client transfers 199,000 USD to a third party.
- B. The client declared a total wealth of 600,000 USD at account opening.
- C. Incoming funds moved through five intermediary wallets before being transferred from a foreign VASP.
- D. It was not possible to trace the client's IP address.
正解：C
解説：
Funds moving through multiple intermediary wallets before arriving at the client's wallet indicate layering techniques used to obscure the source of funds, a classic money laundering tactic.
Transferring funds quickly (A) or declaring wealth (B) are less definitive indicators. An untraceable IP (C) raises concerns but is less conclusive than complex transactional layering.
質問 # 16
A politically exposed person (PEP) opens a crypto account. What is the required action?
- A. Apply EDD and senior management approval.
- B. Request a travel rule exemption.
- C. Decline onboarding.
- D. Treat as standard customer.
正解：A
解説：
PEPs require enhanced scrutiny under FATF Recommendation 12, including senior management approval and source of funds verification.
質問 # 17
A compliance officer is conducting a customer risk review. Which statements represent the highest level of customer risk? (Select Two.)
- A. A business customer opting to pay suppliers in cryptoassets
- B. A customer receiving cryptoassets daily from another virtual asset service provider located in a foreign jurisdiction which are then sent to a private wallet
- C. A customer located in a foreign country donating 10,000 USD worth of cryptoassets to a charity for veterans in the US
- D. A student customer depositing 15,000 USD over a period of a month, using the funds to purchase cryptoassets that are sent to another virtual asset service provider
- E. A customer who uses a virtual private network (VPN) connection to access the customer's account
正解：B、D
解説：
When determining highest-risk customers under a risk-based approach, firms must consider transaction patterns, jurisdictions, counterparties, and destinations:
B: Large deposits by a student, rapidly converting to crypto and sending to another VASP, suggest potential layering and third-party funding risk.
D: Daily inbound transfers from a foreign VASP to a private (unhosted) wallet indicate consistent high-risk exposure - especially cross-border transactions involving unregulated or weakly regulated jurisdictions.
While VPN use (A) can be a red flag, on its own it is lower risk than significant suspicious fund flows. Paying suppliers in crypto (C) can be legitimate for businesses. A large donation to a charity (E) could be flagged depending on jurisdiction and cause, but is generally less inherently suspicious than B and D unless linked to high-risk entities.
FATF, DFSA, and FSRA AML rules stress that ongoing monitoring should identify these high-frequency, high-value, cross-border crypto flows as priority for Enhanced Due Diligence (EDD) and possible Suspicious Transaction Reports (STRs).
質問 # 18
Based on Financial Action Task Force guidance, when a cryptoasset exchange carries out an occasional transaction, the exchange is required to conduct CDD when the transaction is above:
- A. USD/EUR 5000.
- B. USD/EUR 1000.
- C. USD/EUR 10000.
- D. USD/EUR 15000.
正解：C
解説：
FATF guidance sets the threshold for Customer Due Diligence (CDD) on occasional transactions at USD/EUR 10,000 or equivalent. This means that when a cryptoasset exchange processes a one-off transaction exceeding this amount, it must apply appropriate CDD measures.
This aligns with FATF Recommendation 10 and is adopted by DFSA and FSRA frameworks governing virtual asset service providers, ensuring transactions over this limit are subject to identity verification and risk assessment.
Extracts from AML and COB modules emphasize this threshold as the trigger for CDD on occasional transactions to prevent laundering through high-value single transfers.
質問 # 19
What is "layering" in the context of money laundering using cryptoassets?
- A. Converting crypto into fiat currency
- B. Moving illicit funds through complex transactions to obscure origin
- C. Splitting transactions into smaller amounts to evade reporting thresholds
- D. Freezing illicit accounts
正解：B
解説：
Layering involves creating complex transaction chains to disguise the illicit origin of funds. In crypto, this may involve multiple wallet hops, cross-chain swaps, and the use of privacy-enhancing technologies.
質問 # 20
Which virtual asset relies on an account-based ledger model?
- A. Ethereum
- B. Bitcoin
- C. Litecoin
- D. Monero
正解：A
解説：
Ethereum uses an account-based ledger model where balances are maintained per account, similar to bank accounts, and transactions update balances directly. This differs from Bitcoin, Litecoin, and Monero, which use the UTXO (Unspent Transaction Output) model.
Understanding ledger models is important for AML transaction monitoring and blockchain analytics, as account-based systems enable different tracking and risk assessment approaches.
質問 # 21
Which privacy-enhancing feature hides both the sender and receiver in a transaction?
- A. Token swap
- B. Proof-of-Authority
- C. Ring signatures
- D. Multi-sig
正解：C
解説：
Ring signatures, used in Monero, blend a sender's transaction with others to obscure sender identity, increasing AML risk.
質問 # 22
An investigations manager at a cryptoasset exchange is developing an AML risk-rating framework for cryptoassets under consideration for support by the exchange. Which criteria is most important for rating the residual AML risk of a particular cryptoasset?
- A. The number of other exchanges that support the cryptoasset
- B. Whether the blockchain of the asset is public or private
- C. The profitability of the cryptoasset for the exchange's business
- D. How the cryptoasset will be monitored for unusual activity
正解：D
解説：
The ability to monitor the cryptoasset for unusual activity directly impacts the residual AML risk, as effective monitoring enables detection and prevention of illicit transactions. Even if a blockchain is public or private (A), or the asset is profitable (B), the lack of proper monitoring mechanisms increases risk. The number of exchanges supporting the asset (D) is less significant than monitoring capability.
AML frameworks and DFSA guidance stress that risk mitigation depends heavily on effective transaction monitoring.
質問 # 23
Which blockchain type is accessible only to a single organization?
- A. Hybrid
- B. Consortium
- C. Private
- D. Public
正解：C
解説：
Private blockchains are controlled by a single organization with full access restrictions. This model is often used for internal record-keeping but lacks the decentralized trust of public chains.
質問 # 24
Which metric is most relevant for assessing liquidity risk in a cryptoasset exchange?
- A. Order book depth and spread
- B. Wallet address count
- C. Blockchain confirmation times
- D. Number of listed tokens
正解：A
解説：
Liquidity risk assessment focuses on the ability to execute trades without large price swings, which is reflected in order book depth and bid-ask spreads.
質問 # 25
How does law enforcement use Suspicious Activity Reports (SARs)? (Select Two.)
- A. To confirm or develop information on existing targets
- B. To identify regulatory failings
- C. To develop intelligence on new targets
- D. To produce evidence of money laundering that can be used in court
正解：A、C
解説：
Suspicious Activity Reports (SARs) are a critical tool for law enforcement agencies. They are primarily used to develop intelligence on potential new criminal targets and to confirm or expand information about existing investigations. SARs do not serve as direct evidence of money laundering in court but provide leads and context that enable law enforcement to build cases.
The DFSA's thematic reviews and AML guidance clarify that SARs assist in identifying emerging crime patterns and help intelligence units track suspicious transactions over time. They also allow law enforcement to corroborate data from other sources.
SARs help:
Develop intelligence on new targets (C) by revealing previously unknown suspicious behavior.
Confirm or develop information on existing targets (D) by adding transactional data and context.
Identifying regulatory failings (A) is primarily a supervisory function, and SARs themselves are not evidence for prosecution (B) but intelligence inputs.
Therefore, options C and D are correct.
質問 # 26
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