ACAMS Certified Anti-Money Laundering Specialists (the 6th edition) - CAMS 模擬練習

A. Data protection and privacy laws

B. Conflicting AML regulations

C. Technological inconsistencies and challenges

D. Consumer protection laws

A. Transferring funds to pay for flight training lessons.

B. Paying a supplier of precious metals at regular quarterly intervals.

C. Conducting business in a country that represents a high risk of money laundering.

D. Making multiple cash deposits slightly below a required reporting limit.

A. two or more customers use the same identification for separate and unrelated transactions.

B. an employee lives a lavish lifestyle supported by his or her salary.

C. the same customer conducts transactions in multiple locations in a short time period.

D. cash payments on insurance policies by a third party.

E. repeated receipt of funds transfers from virtual currency exchanges.

A. Money launderers generally remit any tax revenue that would be due in the jurisdictions in which they operate via front businesses.

B. Money laundering impacts the financial sector, which is critical for economic growth.

C. Increased money laundering generally results in greater economic stability as profits are reinvested in the jurisdiction.

D. Foreign investors are often attracted to jurisdictions with significant money laundering activity as the same conditions favour legitimate economic activity.

A. Compare the wire transaction as it enters and after it leaves the bank

B. Identify large incoming wire transactions received on behalf of a foreign client with no explicit reason

C. Identify wire transaction activity to or from a financial institution located in a higher risk jurisdiction

D. Check for suspicious phrases usually used to conceal originator or beneficiary identity

A. a limited liability partnership

B. an offshore company

C. a charitable organization

D. a professional association

A. Time deposit accounts

B. International wire transfers

C. Savings accounts

D. Credit cards

A. They should attend all training sessions with front-line employment

B. They should base employee compensation on the amount of suspicious activity they detect

C. They should include compliance with AML procedures as condition of employment

D. They should have close ties with the independent auditors of the AML program

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

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

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. The charity receives cash donations primarily from European countries

B. The charity has branch locations located in various countries

C. The charity frequently withdraws cash from the bank

D. The charity maintains a bank account for non-business-related expenses

A. The customer keeps adding artwork service providers to the payment beneficiary list.

B. The owner wants to exchange foreign currency for an overseas business travel.

C. The customer specializes in art sale and hire, and recently started an art selection consulting service.

D. The customer moves their headquarters from New Zealand to China and opens a branch in Malaysia.

A. The institution has observed a reduced settlement time in the transaction services that support the rapid movement or remittance of funds.

B. The institution maintains a sequentially numbered log of the monetary instruments it sells.

C. The institution has observed an increase in customer demand for large-denomination banknotes.

D. The institution has observed an increase in the adoption of its digital products and services.