[2024年03月]更新のCAMS試験問題集、CAMS練習テスト問題
検証済みCAMS問題集PDF資料 [2024]
CAMS資格を取得するためには、マネーロンダリング、テロ資金提供、その他の金融犯罪の検出や防止を含む、幅広いトピックをカバーする厳しい試験に合格する必要があります。試験は、複数の選択式問題から構成され、世界中のテストセンターでオンラインまたは対面で実施されます。また、試験を受験するためには、特定の教育や経験要件を満たす必要があります。
質問 # 167
Which unusual or suspicious activity by a financial institution's (FI's) employee requires additional investigation and scrutiny?
- A. The employee avoids taking periodic vacations despite having accrued vacation time.
- B. The employee lives a lavish lifestyle within their means.
- C. The employee is involved in a minimal number of unresolved exceptions.
- D. The employee assists with transactions of a disclosed ultimate beneficiary.
正解：A
解説：
an employee who avoids taking periodic vacations despite having accrued vacation time may be trying to conceal fraudulent or illegal activities that would be exposed in their absence. This is a common red flag for internal fraud and money laundering, as it indicates a lack of segregation of duties, internal controls, and oversight. Employees who engage in such behavior may also exhibit other signs of stress, defensiveness, or secrecy.
References:
Learn about red flags for internal fraud, section "An employee may be a higher internal fraud risk when a combination of the following red flags are present", bullet point 1: "Unwilling to share duties or take leave." Money Laundering Red Flags | Key Behaviours and Indicators, section "Employee Red Flags", bullet point 1: "Avoiding taking holidays or time off work." Top 10 AML Red Flags: Warning Signs and Financial Risks, section "AML Red Flags Categories", sub-section "Employee Red Flags", bullet point 1: "Avoiding taking vacations or sick leaves."
質問 # 168
Which precaution will a money launderer take to avoid detection when sending electronic transfers?
- A. Using cover payments for all electronic transfers
- B. Varying the amounts of transactions and using reputable organizations
- C. Using round dollar amounts, so funds appear to be gifts or loans
- D. Misspelling names to foil watch-list filtering systems
正解：D
質問 # 169
What was the topic the Wolfsberg Group's first guidance addressed?
- A. AML training for financial institution staff
- B. Merchant acquiring activities
- C. Enhanced due diligence for high risk customers
- D. Private banking
正解：D
質問 # 170
A non-U.S. bank asks its U.S. correspondent whether there is risk of having funds seized in their correspondent account if a customer is involved in a predicate offense.The correspondent bank's reply should be,
- A. "Yes, also if the customer's account is used in a country other than the U.S. by suspected money launderers."
- B. "No, only U.S. accounts for U.S. citizens can be seized and forfeited by the competent authority."
- C. "Yes, if it is suspected that money laundering has occurred solely in the U.S."
- D. "No, only correspondent accounts of U.S. banks can be seized and forfeited by government agencies."
正解：D
質問 # 171
To what extent should senior management and the Board of Directors be involved in the filing of any STR?
- A. They should review and approve the filing of all STRs
- B. They should be given copies of all STRs filed by the institution
- C. They should be the only designated individuals to communicate with law enforcement
- D. They should be informed of all significant STRs and the numbers and trends of the filings
正解：D
解説：
According to the ACAMS CAMS Certification Study Guide (6th edition), senior management and the Board of Directors have the ultimate responsibility for the effectiveness of the AML program and the compliance with the relevant laws and regulations. Therefore, they should be informed of all significant STRs and the numbers and trends of the filings, as this would help them to assess the level of risk exposure and the adequacy of the controls and resources. The other options are either too restrictive or too burdensome for senior management and the Board of Directors, and may interfere with the timely and confidential filing of STRs.
References: ACAMS CAMS Certification Study Guide (6th edition), page 361; ACAMS CAMS Certification Video Training Course, Module 2, Lesson 12
質問 # 172
What was cited by the Wolfsburg Group in its Statement on the Suppression of the Financing of Terrorism as being vulnerable to terrorist financing?
- A. Alternative remittance
- B. Private banking
- C. Trade finance
- D. Correspondent banking
正解：A
質問 # 173
You are developing a mobile application that will perform optical character recognition (OCR) from photos.
The application will annotate the photos by using metadata, store the photos in Azure Blob storage, and then score the photos by using an Azure Machine Learning model.
What should you use to process the data?
- A. Azure Event Hubs
- B. Azure Logic Apps
- C. Azure Stream Analytics
- D. Azure Functions
正解：A
質問 # 174
Which three conduits for moving terrorist-related funds do terrorist financing generally favor? Choose 3 answers
- A. Banks and/or other formal financial systems
- B. Informal financial systems
- C. Currency exchange firms
- D. Cash couriers
正解：B、C、D
解説：
Dealers in antiques, precious metals, precious stones, jewelry, and art are advised to follow these practices to reduce the element of money laundering risk:
Verify the identities of all new vendors and customers and conduct due diligence on them. This is to ensure that the dealers know who they are dealing with and can assess the risk level of each customer or vendor. Due diligence may include obtaining and verifying identification documents, checking against sanctions lists or watchlists, obtaining information on the source and purpose of funds, and applying a risk-based approach to the level and frequency of due diligence.
Avoid accepting cash payment from the buyers. This is to prevent the dealers from being used as a conduit for laundering illicit cash or facilitating cash smuggling. Cash transactions are more difficult to trace and may indicate attempts to evade reporting or record-keeping requirements. Dealers should encourage the use of non-cash payment methods, such as bank transfers, cheques, or credit cards, and keep records of all payment transactions.
Insist all vendors submit an appropriate license issued by enforcement agencies authorizing the sale.
This is to ensure that the dealers are not involved in the trade of stolen, smuggled, or counterfeit goods, which may be linked to money laundering or other criminal activities. Dealers should verify the authenticity and validity of the licenses and keep copies of them for record-keeping purposes.
References:
FATF Guidance on the Risk-Based Approach for Dealers in Precious Metals and Stones, pages 9-10,
13-14, 17-18, 21-22
AML-CFT Handbook for Dealers in Precious Metals and Stones, pages 25-26, 37-38, 52-53 The anti-money laundering framework for precious stones and metals dealers in Singapore, pages 7-8,
11-12, 15-16
Dealers in Precious Metals, Stones or Jewels Required to Establish Anti-Money Laundering Programs, pages 2-3, 6-7, 10-11
質問 # 175
Which of the following provides anti-money laundering specialists information related to money laundering trends?
- A. Egmont Group's 100 Cases
- B. FinCEN's SAR Activity Review
- C. Financial Action Task Force Typologies
- D. The Wolfsburg Principles
正解：A、C、D
質問 # 176
A money transmitter's nation-wide agent network remits funds to a country in Africa on behalf of an immigrant community based in the United States. A terrorist group is known to operate openly in this African country. In reviewing transaction records, the compliance officer detects a pattern where two customers together visit the same agent each week and remit the same amount of funds. $2,500, to the same recipient in the country in Africa.
What should alert the compliance officer to possible money laundering or terrorist financing activity by the two customers?
- A. The customers always visit the same agent.
- B. The funds are being sent to the same recipient each week.
- C. The dollar amount of each transaction is just below the record keeping threshold.
- D. The customers always visit together.
正解：C
質問 # 177
A junior account manager within an international private bank in Country A was asked by one of his valued customers, who has held an account for several years in the institution, about depositing a large sum of cash into her account. The junior account manager informed his customer that his bank does not accept cash. The junior account manager later reviewed a customer activity report and noticed a number of smaller dollar wires from banks in neighboring Country B, which has lax currency controls, that totaled about as much as the customer intended to deposit.
What should the junior account manager do?
- A. File a suspicious transaction report with the Financial Intelligence Unit
- B. Offer the customer a more secure method of depositing in the hope of learning something more during the conversation
- C. Notify the anti-money laundering specialist of his bank, but do not call the customer
- D. Close the account
正解：A
解説：
The junior account manager should file a suspicious transaction report (STR) with the Financial Intelligence Unit (FIU) of Country A, as he has reasonable grounds to suspect that the customer is involved in money laundering or terrorist financing. The customer's attempt to deposit a large sum of cash, followed by a series of smaller wire transfers from a high-risk jurisdiction, indicates a possible case of structuring or smurfing, which are techniques used by criminals to avoid detection and reporting thresholds. The junior account manager should not close the account, as this could alert the customer and disrupt the investigation by the FIU or law enforcement. The junior account manager should also not notify the anti-money laundering specialist of his bank, as this could create a conflict of interest or breach of confidentiality, unless the bank's policy requires such notification. The junior account manager should also not offer the customer a more secure method of depositing, as this could be seen as facilitating or condoning the customer's illicit activities, or exposing the bank to legal or reputational risks.
References:
CAMS Study Guide, pages 97-98, 103-104, 107-108.
CAMS Exam Questions and Free Practice Test, Question 272.
質問 # 178
What is an example of the integration stage of money laundering involving a bank or another deposit-taking institution?
- A. Depositing illicit funds into an account set up for a front company
- B. Directing third parties to exchange illicit cash for negotiable instruments
- C. Using illicit funds that had previously been deposited to purchase a luxury vehicle
- D. Wiring illicit funds from an account at one bank to an account at another bank
正解：C
解説：
Explanation/Reference: https://www.moneylaundering.ca/public/law/3_stages_ML.php
質問 # 179
Which of the following is the best action to take regarding a particular account once suspicious activity is reported by the institution?
- A. Secure all supporting documentation.
- B. Freeze the funds pending notification from the competent authority.
- C. Immediately close the account.
- D. Notify the client that the transaction has been reported.
正解：A
質問 # 180
A law enforcement agency is reviewing a suspicious transaction report (STR) filed by a financial institution for suspicious activity on a client's account. Subsequently, the agency requests further information.
Which supporting documentation might the law enforcement agency request from the institution to facilitate its investigation?
- A. Previously filed STRs on the same customer
- B. Copies of promotional materials sent to the customer
- C. A copy of the institution's STR policy and procedures
- D. Account opening documents and account statements
正解：D
質問 # 181
Which three criteria does a shell bank meet according to the Wolfsberg Principles on Correspondent Banking?
Choose 3 answers.
- A. It does not conduct business at a fixed address in a jurisdiction in which it is authorized to conduct business.
- B. It does not employ one or more individuals at its fixed address where it is authorized to conduct business or maintain operating records at that address
- C. It is not subject to AML laws that require it to implement an AML program
- D. It is not subject to inspection by the banking authority that licensed it to conduct banking activities
正解：B、C、D
質問 # 182
An anti-money laundering expert is hired by a new Internet bank to assess the money laundering threat to the bank. What is the most important recommendation for the expert to make given it is an on-line bank?
- A. The bank should set up automated programs to analyze transactions for money launderingactivity
- B. The bank should limit the amount of money which can be processed per transaction
- C. The bank should ensure that prospective new customers can be properly identified
- D. The bank should ensure that a firewall is set up to protect the transactions
正解：B
質問 # 183
Which of the following best describes the Basel Committee on Banking Supervision's principles on customer due diligence?
- A. Generally accepted terms issued by big international banks.
- B. Multilateral agreement between all members.
- C. A country's initiative to increase the reputation of its financial market.
- D. A recommendation to members and banks.
正解：A
質問 # 184
Which two channels can be utilized during a cross-border money laundering investigation to assist in gathering information according to Financial Action Task Force? (Choose two.)
- A. Contacting the potential suspect or their family members to request information
- B. Contacting existing liaison officers in the foreign jurisdiction
- C. Exchanging information between national law enforcement agencies
- D. Submitting only formal requests for information to a financial intelligence unit
正解：B、C
解説：
According to the Financial Action Task Force (FATF), the global standard-setter for anti-money laundering and counter-terrorist financing, two channels that can be utilized during a cross-border money laundering investigation to assist in gathering information are contacting existing liaison officers in the foreign jurisdiction and exchanging information between national law enforcement agencies. These are two of the methods that the FATF recommends in its guidance on international cooperation1. The FATF states that liaison officers can facilitate the exchange of information and intelligence, provide operational support, and coordinate joint investigations1. The FATF also encourages the use of bilateral or multilateral agreements or arrangements to enable the exchange of information and intelligence between national law enforcement agencies, as well as the use of informal networks or mechanisms, such as the Egmont Group of Financial Intelligence Units1.
Option C is incorrect because contacting the potential suspect or their family members to request information is not a recommended channel for cross-border money laundering investigations. This method may alert the suspect of the investigation, compromise the confidentiality of the information, or violate the legal rights of the suspect or their family members. Moreover, the information obtained from the suspect or their family members may not be reliable or admissible in court.
Option D is incorrect because submitting only formal requests for information to a financial intelligence unit (FIU) is not a sufficient channel for cross-border money laundering investigations. While FIUs play an important role in collecting, analyzing, and disseminating financial information, they are not the only source of information for cross-border investigations. The FATF guidance states that investigators should also seek information from other competent authorities, such as law enforcement, supervisory, or judicial authorities, depending on the nature and purpose of the information sought1. Furthermore, the FATF guidance advises investigators to use both formal and informal channels of communication, as formal requests may take longer or face legal obstacles1.
References:
1: FATF, International Co-operation Review Group, Guidance on Investigating and Prosecuting Money Laundering and the Financing of Terrorism, October 2012, pp. 13-18.
質問 # 185
You plan to design an application that will use data from Azure Data Lake and perform sentiment analysis by using Azure Machine Learning algorithms.
The developers of the application use a mix of Windows- and Linux-based environments. The developers contribute to shared GitHub repositories.
You need all the developers to use the same tool to develop the application.
What is the best tool to use? More than one answer choice may achieve the goal.
- A. Microsoft Visual Studio
- B. Azure Notebooks
- C. Microsoft Visual Studio Code
- D. Azure Machine Learning Studio
正解：D
解説：
Explanation/Reference:
References:
https://github.com/MicrosoftDocs/azure-docs/blob/master/articles/machine-learning/studio/algorithm-choice.md
質問 # 186
Potential indicators of money laundering associated with Trust and Company Service Providers include:
(Select Two.)
- A. structuring cash deposits into third party accounts.
- B. multi-jurisdictional wire transfers with no legal purpose.
- C. use of legal persons in jurisdictions with strict secrecy laws.
- D. generation of rental income to legitimize illicit funds.
- E. frequent deposits to or withdrawals from bank accounts.
正解：B、C
解説：
Explanation
This is stated in the Certified Anti-Money Laundering Specialist (the 6th edition) manual on page 595, which states: "Potential indicators of money laundering associated with Trust and Company Service Providers include the use of legal persons in jurisdictions with strict secrecy laws, structuring cash deposits into third party accounts, multi-jurisdictional wire transfers with no legal purpose, and frequent deposits to or withdrawals from bank accounts."
質問 # 187
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ACAMS CAMS試験では、リスク評価、規制コンプライアンス、デューデリジェンス、調査など、マネーロンダリングアンチマネーロンダリングに関連する幅広いトピックをカバーしています。この試験は、複数選択の質問で構成され、コンピューターベースの形式で管理されます。試験に合格するには、候補者はAMLの景観を完全に理解し、この知識を実際のシナリオに適用できるようにする必要があります。
CAMS認定試験は、マネーロンダリングスキーム、銀行規制、リスク評価、コンプライアンス戦略など、マネーロンダリングアンチマネーロンダリングに関連する幅広いトピックをカバーしています。この試験は、アンチマネーロンダリングの理論的および実用的な側面の両方に関する候補者の知識をテストするように設計されており、最新の業界動向とベストプラクティスを完全に理解する必要があります。
最新のCAMS実際の無料試験問題は更新された617問あります：https://www.passtest.jp/ACAMS/CAMS-shiken.html
無料CAMS試験ブレーン問題集認定ガイド問題と解答：https://drive.google.com/open?id=1JJYq-SnaMlG8Ezf78fwInB07vg8cA8FO