최신ACAMS Certified Anti-Money Laundering Specialists (the 6th edition) - CAMS무료샘플문제

A. Annual staff training

B. A customer acceptance policy

C. The same KYC requirements must be applied in all cases

D. All completed KYC documents must be reviewed by a senior manager not involved in the account openingprocess

A. Requesting a wire transfer to an unrelated third party

B. Bringing $15,000 worth of chips into the casino

C. Playing various games before cashing out

D. Customer redeeming all remaining chips

A. SUAs are generally limited to a small sub-set of crimes

B. At least one SUA must be proven in order to pursue a money laundering conviction

C. In order to secure a conviction, the defendant must be proven to have known the precise nature of the source of funds

D. SUAs are limited to crimes that occur within the borders of the U.S. and its territories and possessions

A. Usage of insider information

B. Transfer funds to a third-party

C. Transfer of value to relatives

D. Usage as a deposit account

A. A customer who pay back a late loan all at once after collecting on a bad debt

B. Large and frequent credit balances on a credit card resulting in request for refunds

C. A convenience store that brings in $20s and $10s and requests small bills and change

D. An online retailer that uses a third-party payment processor to facilitate its transactions

A. To issue their own recommendations, considering local typologies, ignoring the FATF 40 recommendations

B. To work independently from FATF and to be closely involved in improving law enforcement outcomes in their regions

C. To enforce implementation of the FATF recommendations amongst its member countries

D. To work in parallel with FATF by operating on the basis of (mutual, joint, or common) recognition of their work

A. Let the account manager's manager know what conversations have taken place with the customer and document the account file accordingly

B. Cancelled the meeting as he has already behaved inappropriately by alerting to the investigation

C. Discuss all the points being investigated by law enforcement to ensure the correspondent bank is well prepared when approached

D. Limit discussions about the investigation with the customer and by satisfied that the account manager has provided proper notice to the customer

A. Change the risk profile to "high-risk" if an existing customer becomes a sanctioned entity and continue monitoring further transactions.

B. Conduct enhanced due diligence for prohibited entities on the sanctions list.

C. Adopt automatic screening systems to detect designated persons and entities.

D. Freeze the funds or assets of designated persons and entities once this decision is approved by the Board.

A. The reputational risk to the FI posed by closing the account

B. The FI's requirements for opening an account

C. The FI's stated policies and procedures for closing an account

D. The request from law enforcement to close the account

E. The suspicious conduct of the account holder

A. A patron routinelyplaces multiple bets on the same sporting events.

B. A privately held companyoriginates fund transfers through the casino into the betting accounts of multiple patrons.

C. A patronpurchases a large amount of chips at a blackjack table using cash.

D. A patronrequests the casino to transfer their winnings to another gambling operator.

A. An investigator does not complete the automated transaction monitoring system alerts assigned to them before the time required by company procedures.

B. A relationship manager advocates for overriding the results of the company's client risk rating model that resulted in a client's high-risk rating.

C. A relationship manager makes an exception to company policy and proceeds with onboarding a customer without documenting a passport for customer identification

D. An If employee shares information about a firm's risk management framework with employees of other firms at an industry convention.

A. Notify senior management and suggest account closure due to potential risks

B. Review the transaction history of the account to identify patterns, including the frequency, destination, and purpose of the wire transfers

C. Contact the customer directly to ask for clarification on the reason for the large cash withdrawal

D. Immediately file a suspicious activity report (SAR) based on the employee's report of suspicious behavior

A. Promotesfinancial transparencyand protects theintegrity of financial systems.

B. AllowsFinancial Intelligence Units (FIUs)to enactsanctionsagainst perpetrators of financial crime.

C. Helpsfinancial institutionsto be more effective in fighting crime with data analysis.

D. Needs to beapproved by the FIUbefore sharing between financial institutions.

A. Utilizing a flexible communication style that adapts to different customer situations during the termination process.

B. Implementing a standardized procedure for customer termination that includes risk assessments and necessary documentation.

C. Performing a final review of a customer's transaction history and records to address any unresolved issues prior to termination.

D. Notifying the customer of the termination decision only after completing the termination process to prevent possible disputes.

E. Keeping records of the termination process, including the justification for the decision and any correspondence with the customer.