CAMS7問題集、ACAMS実際の試験問題

質問 1

When services are provided by a trust and company service provider (TCSP) connected to a high-risk country, which of the following may present an immediate financial crime risk concern?

A. Origin of the funds

B. Asset structure

C. Management structure

D. Governance framework

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 2

Which risk factors are associated with acquiring and servicing the banking activities of customers considered higher risk for financial crime activities? (Select Three.)

A. Reputational risk

B. Sanctions risk

C. Compliance risk

D. Lending risk

E. Operational risk

正解: A,B,C

質問 3

Which persons must always comply with all Office of Foreign Assets Control (OFAC) regulations?
(Select Three.)

A. Merchants that offer US-origin goods for sale regardless of location

B. US citizens regardless of location

C. US incorporated entities and their foreign branches

D. Permanent US resident aliens regardless of location

E. Non-US financial institutions that offer accounts in USD regardless of location

正解: B,C,D

質問 4

Why are shell companies frequently associated with money laundering schemes?

A. They can obscure ownership and financial flows

B. They always operate illegally

C. They reduce currency conversion fees

D. They simplify payroll administration

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 5

A large international financial institution (FI) operates in both the United States and the European Union. A cross-border transaction involving a high-net-worth client with dual U.S. and French citizenship raises concerns due to a third-party intermediary in a high-risk jurisdiction.
Given that the transaction falls under the U.S. Bank Secrecy Act (BSA) and OFAC requirements, as well as the EU's 6th Anti-Money Laundering Directive (6AMLD) and European Banking Authority (EBA) regulations, what is the best approach for the compliance team to ensure compliance?

A. Follow U.S. regulations only, as the transaction originates in the United States

B. Defer to the most stringent regulatory regime to streamline compliance

C. Follow EU regulations only, as the beneficiary is based in France

D. Implement a dual-compliance approach satisfying both U.S. and EU AFC regulations

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 6

Which line of defense would be tasked with interpreting new AML regulations and revising training for client-facing relationship managers?

A. The second line

B. Senior management

C. The third line

D. The first line

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 7

Which transaction monitoring tool characteristic would best support financial institutions in rapidly responding to emerging financial crime risks and threats?

A. Configurable reporting

B. Fully integrated artificial intelligence (AI)

C. Ability to build, iterate, and test rules

D. Cloud-based deployment

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 8

An AML compliance officer for a large bank has recently received an internal audit report on the private banking unit. The report revealed that the unit staff were not following risk-based due diligence procedures, so that the unit was not operating effectively. Which immediate actions should the AML compliance officer consider to address these findings? (Select Two.)

A. All employees should receive refresher AML training.

B. Private bankers should receive training on AML procedures.

C. The legal department should conduct a review to assess potential legal consequences.

D. The board should review and approve a revised AML policy to change customer due diligence requirements in private banking.

E. Management Should implement a quality assurance program in the private banking unit

正解: B,E

質問 9

Artificial intelligence (AI) and machine learning (ML) procedures help in applying a risk-based approach in AML compliance through: (Select Three.)

A. Detection of complex money laundering patterns in transactions

B. Automatically generating Suspicious Activity Reports (SARs) without the need for human review

C. Identification of links among apparently unrelated clients who have established complex networks for money laundering

D. Advanced customer risk assessments that synthesize client background information with additional data

E. Automatically adapting risk thresholds for customers without any human intervention

正解: A,C,D

解説: (PassTest メンバーにのみ表示されます)

質問 10

The transaction monitoring system of a bank generated an alert for a car wash client. After making large cash deposits, the client orders international wire transfers. Which additional circumstances would make the case more suspicious?

A. The wire transfers are for different amounts but with the same beneficiary

B. The beneficiary of the wire transfer is a resident of a grey-list country

C. The beneficiary of the wire transfers is a foreign company whose shareholders and director are other companies

D. The beneficiary of the wire transfers is a resident of a foreign country bearing the same family name as the business owner

正解: C

解説: (PassTest メンバーにのみ表示されます)

ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) - CAMS7 模擬練習