[2025年12月14日]CKYCA試験問題集でACAMS練習テスト問題
最新でリアルなCKYCA試験問題集解答
質問 # 29
A corporate client changes directors and the address of its registered office. Which documentation would be sufficient to verify these changes?
- A. Notes from a phone call with client representatives who mention the changes
- B. Government-issued documents indicating the changes
- C. Printout of the client's website where the changes are announced
- D. Signed letter from the client's secretary describing the changes
正解：B
解説：
Government-issued documents, such as updated company registry extracts, provide authoritative and verifiable proof of changes to directors and registered office details, ensuring compliance with CDD requirements.
質問 # 30
The overall customer risk rating is usually derived as a composite of the following four categories of risk in money laundering prevention.
What are the those four?
- A. Customer, Jurisdiction, Product, and Sub-Channel.
- B. Customer, Jurisdiction, Product, and Channel.
- C. Client, Jurisdiction, Selected Products, and Channel.
- D. Client, Jurisdiction, Product, and Sub-Channel.
正解：B
質問 # 31
A KYC analyst suspects a transaction is related to a sanctioned individual. How should the analyst respond?
- A. Discuss the issue with the firm's compliance officer as it is of low priority.
- B. Continue with the due diligence onboarding procedure, focusing on primary and secondary documentation.
- C. Reach out to the customer to confirm their sanctions status during the onboarding process, and after that, once a year.
- D. Report the issue immediately according to the defined procedures.
正解：D
解説：
Any suspicion of a link to a sanctioned individual must be reported immediately through the institution's defined sanctions compliance procedures to ensure legal and regulatory obligations are met without tipping off the customer.
質問 # 32
During an EDD process for a business customer, which document is the best source to identify and obtain details on the source of funds?
- A. Utility bill
- B. Articles of incorporation
- C. Financial statements
- D. Company's website
正解：C
解説：
Financial statements provide verifiable details about a company's income sources, profitability, and cash flow, making them the most reliable document for identifying and confirming the source of funds during EDD.
質問 # 33
Secondary identification is often used to cross-verify the primary form of identification and to cross-verify information provided by the customer.
What is an example of secondary identification? (SELECT 2)
- A. Audited Statements.
- B. Utility Bill.
- C. Articles of Incorporation.
- D. Online Registry.
正解：A、B
質問 # 34
Which client action would justify an internal referral for a potential suspicious activity report?
- A. Opening a cash-intensive restaurant business
- B. Deposit of 35,000 Euro in cash without supporting evidence
- C. Election of the client's father to Parliament
- D. Expansion of operations to a Financial Action Task Force (FATF) high-risk country
正解：B
解説：
A large cash deposit without supporting evidence for its origin is a clear money laundering red flag, warranting an internal referral for potential filing of a suspicious activity report.
質問 # 35
A compliance officer is tasked with building a financial institution's annual risk assessment. Which data attributes should be used to understand inherent risk?
- A. Size of the financial institution and if it is publicly listed on an exchange
- B. Customer types and products offered to customers
- C. Number and types of audit examinations in a year performed by the regulator C Number of control-side function employees and business employees
正解：B
解説：
Inherent risk is the level of risk present before controls are applied and is influenced by factors such as the types of customers served and the products or services offered, both of which directly affect the institution's exposure to financial crime risks.
質問 # 36
Customers opening accounts online identify their occupation from a drop-down list. A KYC analyst notices a high volume of applicants selecting "Accountant" because itis at the top of the list. The institution's KYC policy does not require evidence to verify occupation.
Which is the most appropriate action for the KYC analyst to take?
- A. Make a note in the KYC file to confirm if any unusual activity is identified.
- B. Do not take further action because occupation verification is not required.
- C. Cancel the applications in the system and instruct customers to read the entire list before selecting.
- D. Escalate to the KYC manager for guidance.
正解：D
解説：
A sudden pattern in occupation selection can indicate inaccurate self-reporting or potential misuse of the onboarding process. Even if policy does not require occupation verification, such anomalies should be escalated to the KYC manager for review and potential policy or process adjustments.
質問 # 37
The KYC four step research is?
- A. Assess, Operations, Explore, Present
- B. Assess, Organize, Explore, Present
- C. Assess, Organize, Explore, Past
- D. Assess, Organize, Narrow, Present
正解：B
質問 # 38
Once a banking KYC analyst applies CDD onboarding procedures and builds a customer risk profile, ongoing monitoring needs to be implemented for the primary purpose of:
- A. understanding the nature and purpose of the customer relationship.
- B. complying with bank's internal policies and procedures.
- C. fulfilling senior management's obligations.
- D. identifying and reporting suspicious transactions.
正解：D
解説：
The primary purpose of ongoing monitoring after CDD is to detect unusual or suspicious activity that may indicate money laundering, terrorism financing, or other illicit behavior, so it can be reported promptly to the relevant authorities.
質問 # 39
A politically exposed person (PEP) wants to open an account with a financial institution and provides no evidence for source of wealth.
Which procedure should the financial institution follow?
- A. Condition the acceptance of the customer on receiving evidence for the customer's source of wealth
- B. Reject the customer on the basis of being a PEP and possibly corrupt
- C. Accept the customer and request source of wealth evidence during next year's updating procedures.
- D. Accept the customer without any evidence for the customer's source of wealth.
正解：A
解説：
For PEPs, FATF requires enhanced due diligence, including verification of the source of wealth before onboarding. The account should only be opened after receiving and validating sufficient evidence.
質問 # 40
A KYC analyst notices frequent use of letters of credit as a method of trade finance. It further appears that trades covered by letters of credit are not consistent with the customer's usual business. What should be the next action taken by the KYC analyst?
- A. Refer internally for a potential suspicious transaction report
- B. Prepare to close the customer's account.
- C. Establish internally the existence of a criminal violation.
- D. Notify the Board of Directors and obtain the Board's approval for filing a STR.
正解：A
解説：
Unusual trade finance activity, such as letters of credit inconsistent with the customer's normal business, is a potential red flag for trade-based money laundering. The appropriate step is to make an internal referral for review and possible filing of a suspicious transaction report (STR).
質問 # 41
A KYC analyst is onboarding a high-net-worth client and, during the screening process, notices that the prospective client is the parent of a government minister. After the analyst performs a source of wealth analysis, whose approval is needed before opening the account?
- A. Senior management
- B. Team management
- C. Project management
- D. Relationship management
正解：A
解説：
FATF requires that the decision to establish or continue a business relationship with a Politically Exposed Person (PEP), or their close family members, must be approved by senior management after appropriate enhanced due diligence has been completed.
質問 # 42
Under a risk based approach is a PEP risk manageable If a customer discloses during the KYC, or Know Your Customer process?
- A. Yes, He or she is the spouse of a government official, closely related to the government official
- B. No, PEPS are do not fit within the risk tolerance of an organization.
- C. Yes, PEPS need bank accounts and access to financial investment products like everyone else.
- D. No, PEPs do not need to disclose their status, it is up to the financial institution to find that information out and determine the risk.
正解：A
質問 # 43
If a customer is a PEP and they are using private wealth services from banks, and also appear to have obtained a fair amount of wealth is this a red flag?
- A. No.
- B. Depends on the exact circumstances.
- C. Yes.
正解：C
質問 # 44
What is a regional risk (SELECT 3)
- A. High Intensity Financial Crime Areas (HIFCA)
- B. Lax Immigration Controls.
- C. Port Cities.
- D. Global Financial Centers
- E. Free Trade Zones.
正解：A、C、E
質問 # 45
According to a reputable financial news source, a client is being taken over by one of its competitors. The public registry has not yet reflected the ownership change. Which step should the KYC analyst take?
- A. Obtain legal documents from the client corroborating its current ownership structure.
- B. Put the KYC refresh on hold and wait for the public sources to be updated.
- C. Follow the reputable financial news source and update the client's profile.
- D. Do not change the ownership information in the profile until it is updated in the public registry.
正解：A
解説：
Until the ownership change is officially recorded in a public registry, the KYC analyst should obtain legal documents directly from the client to verify the current ownership structure and maintain accurate CDD records.
質問 # 46
A bank's business team has developed a new strategy, which includes the introduction of prepaid cards as a new high-risk product offering. The compliance team has proposed to impose a monetary limit on each prepaid card and limit the offering to the existing customers of the bank only. Which best describes the risk impact of the controls proposed by the compliance team?
- A. Inherent risk will decrease.
- B. Residual risk will increase.
- C. Inherent risk will increase
- D. Residual risk will decrease.
正解：D
解説：
Inherent risk is the natural risk before controls are applied. The compliance team's measures (monetary limits and restricting to existing customers) reduce the exposure to misuse, thereby lowering the residual risk - the risk that remains after controls are implemented.
質問 # 47
The ownership of a legal person is often described as having two prongs. The first one is the beneficial owner, this is the natural or legal person who owns the entity and who benefits from its activities. The second one is called?
- A. Control Party Prong.
- B. KYC Prong.
- C. Controlling Prong.
- D. Control Prong.
正解：D
質問 # 48
A KYC analyst is performing EDD on a customer because of a deviation in expected transaction activity. Which factor should the analyst keep in mind if contacting the customer as part of this due diligence?
- A. Communication with the customer should be performed on a secure phone line.
- B. Communication with the customer should only be performed by the AML officer.
- C. Discussions with the customer should focus on the nature of the due diligence request.
- D. Discussions with the customer should refrain from tipping off the customer.
正解：D
解説：
When performing EDD due to unusual activity, any customer communication must avoid "tipping off," meaning the customer should not be informed that their activity is under suspicion or investigation, in compliance with AML regulations.
質問 # 49
Data must be secure so that it cannot be hacked, stolen, or misused for other purposes?
- A. False
- B. True
- C. Depends on the specifics.
正解：B
質問 # 50
In the Customer Identification Program (CIP) What are the basic information required to identify a legal person is? (SELECT 3)
- A. Address, including legal and place of business.
- B. Source of Funds.
- C. Source of Wealth.
- D. Identification number issued by government.
- E. Legal Name.
正解：A、D、E
質問 # 51
During adverse media screening, a KYC analyst discovers a customer's beneficial owner is implicated in an article about a tax evasion scandal. Which is the best next step?
- A. Check that the customer's risk rating is inherently high risk.
- B. Cross-reference the article's source and consider a second source.
- C. Ask the beneficial owner about its involvement in the tax evasion scandal
- D. Reject the customer due to the risk of tax evasion
正解：B
解説：
Adverse media findings should be verified for credibility and accuracy before taking action. Cross-referencing with another reliable source ensures the information is factual and not based on unverified or biased reporting.
質問 # 52
Control activities in financial crime prevention include? (SELECT 3)
- A. Incorrect Controls
- B. Corrective controls.
- C. Preventative Controls.
- D. Premeditated Controls
- E. Detective Controls.
正解：B
質問 # 53
What is the Primary legislation for Money Laundering in the United States?
- A. Money Laundering Control Act of 1986
- B. Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA PATRIOT Act)
- C. Money Laundering and Financial Crimes Strategy Act (1998)
- D. Anti-Drug Abuse Act of 1988
- E. Bank Secrecy Act (1970)
正解：E
質問 # 54
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ACAMS CKYCA認定試験は、マネーロンダリングとテロ資金調達方法、リスク評価、コンプライアンスプログラム、規制要件など、AMLおよびCTFコンプライアンスに関連する幅広いトピックを対象としています。この試験は、コア試験、専門試験、高度な認定試験の3つの部分に分けられます。試験の各部分は、AMLおよびCTFコンプライアンスのさまざまな側面に関する候補者の知識と理解をテストするように設計されています。
CKYCA認証試験問題集解答を提供しています：https://drive.google.com/open?id=1VCZ9NUztQT_60TyHFSvG0MWweQ0sUUt9
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