CAMS Certification CAMS最新問題集で2023年11月25日
2023年最新の問題をマスター！CAMS Certification合格目指そう！CAMSリアル試験問題集！
質問 # 49
Which statement identifies one of the duties of a government Financial Intelligence Unit?
- A. It administers and enforces economic and trade sanctions based on a government's foreign policy and national security goals.
- B. It supervises and regulates banking institutions to ensure the safety and soundness of the nation's banking and financial system.
- C. It serves as the central agency for the receipt of disclosures filed by reporting entities.
- D. It prosecutes suspected money launderers and terrorist financiers based on financial institution suspicious transaction report filings.
正解：D
解説：
Reference:
http://fiu.gov.dm/about-us/functions-and-responsibilities
質問 # 50
Which statement identifies one of the duties of a government Financial Intelligence Unit?
- A. It administers and enforces economic and trade sanctions based on a government's foreign policy and national security goals.
- B. It supervises and regulates banking institutions to ensure the safety and soundness of the nation's banking and financial system.
- C. It serves as the central agency for the receipt of disclosures filed by reporting entities.
- D. It prosecutes suspected money launderers and terrorist financiers based on financial institution suspicious transaction report filings.
正解：D
質問 # 51
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. Account opening documents and account statements
- B. Previously filed STRs on the same customer
- C. A copy of the institution's STR policy and procedures
- D. Copies of promotional materials sent to the customer
正解：A
質問 # 52
An institution receives a request for credit from a local company that has been a client for many years. The information provided by the company indicates that its assets have increased substantially with the addition of several new subsidiaries. Further research performed by the institution indicates the new subsidiaries are recently created shell companies.
Could this indicate potential money laundering?
- A. No, it is normal for a business to diversify by creating shell companies.
- B. No, the company has been a client for many years.
- C. Yes, the shell companies could have been created to hide beneficial ownership.
- D. Yes, shell companies are typically created to manage tax liabilities.
正解：C
質問 # 53
Which statement identifies one of the duties of a government Financial Intelligence Unit?
- A. It administers and enforces economic and trade sanctions based on a government's foreign policy and national security goals.
- B. It prosecutes suspected money launderers and terrorist financiers based on financial institution suspicious transaction report filings.
- C. It serves as the central agency for the receipt of disclosures filed by reporting entities.
- D. It supervises and regulates banking institutions to ensure the safety and soundness of the nation's banking and financial system.
正解：C
質問 # 54
What does the Egmont Group's support for its members include?
- A. Issuing due diligence models for financial institutions
- B. Expanding and systematizing international cooperation in the reciprocal exchange of information
- C. Expanding the ability of FIUs to enforce laws and exchange information globally to combat money laundering and terrorist financing
- D. Issuing strategic products for law enforcement agencies and FIUs on topics of international interest
正解：B
質問 # 55
Which of the following provides anti-money laundering specialists information related to money laundering trends?
1. Egmont Group's 100 Cases
2. Financial Action Task Force Typologies
3. FinCEN's SAR Activity Review
4. The Wolfsberg Principles
- A. 1, 2, and 4 only
- B. 1, 3, and 4 only
- C. 2, 3, and 4 only
- D. 1, 2, and 3 only
正解：A
質問 # 56
In which two ways do Financial Action Task Force-style regional bodies influence anti-money laundering and terrorist financing standards within their respective regions? (Choose two.)
- A. They issue typologies specific to their geographical region.
- B. They enforce the laws of the member countries in their geographic region.
- C. They administer mutual evaluations of participating members.
- D. They require participating countries to adopt laws in line with their recommendations.
正解：C、D
質問 # 57
Which of the following customers require the most enhanced due diligence?
- A. A resident of a non-cooperative jurisdiction.
- B. An established customer.
- C. An international business corporation.
- D. A politically exposed person.
正解：D
質問 # 58
Financial Intelligence Units (FIUs) are responsible for:
- A. responding to requests from law enforcement agencies for information contained in regulatory reports.
- B. sharing evidence with other FIUs.
- C. the timely dissemination of cases to law enforcement agencies.
- D. receiving confirmed reports about committed crimes from accountable and reporting institutions.
正解：C
解説：
Reference:
https://knowledgehub.transparency.org/assets/uploads/helpdesk/Financial-Intelligence-Units_Design-Mandate-P
質問 # 59
Outgoing foreign transactions of similar amounts trigger a monitoring alert for a customer's accounts. During the evaluation of the accounts, the bank discovers the wire transfers were very small amounts and occurred within the last 3 months following a long period of inactivity. The wire transfers appear to originate from legal sources. To assess the potential of terrorist financing, the institution must ensure the:
- A. account holder does not reside in a country included on the U.S. State Department State Sponsors of Terrorism List.
- B. beneficiaries of transfers are not on a terrorist watch list.
- C. account holder presents proof the funds are legal.
- D. beneficiaries of transfers are not included on the Transparency International List.
正解：B
質問 # 60
Which statement identifies one of the duties of a government Financial Intelligence Unit?
- A. It administers and enforces economic and trade sanctions based on a government's foreign policy and national security goals.
- B. It supervises and regulates banking institutions to ensure the safety and soundness of the nation's banking and financial system.
- C. It serves as the central agency for the receipt of disclosures filed by reporting entities.
- D. It prosecutes suspected money launderers and terrorist financiers based on financial institution suspicious transaction report filings.
正解：D
解説：
Explanation/Reference: http://fiu.gov.dm/about-us/functions-and-responsibilities
質問 # 61
The most important concerns imposed on foreign financial institutions maintaining correspondent accounts with U.S. banks under the USA PATRIOT Act are:
1. Cancellation of correspondent banking relationships.
2. Forfeiture of funds in a U.S. interbank account.
3. Prohibition of correspondent accounts for shell banks.
4. U.S. residents maintaining private banking accounts.
- A. 1, 2, and 4 only
- B. 1, 3, and 4 only
- C. 2, 3, and 4 only
- D. 1, 2, and 3 only
正解：A
質問 # 62
A bank provides trade financing for a company whose primary export is steel.
Which action by the company indicates possible money laundering?
- A. The company frequently transfers funds to other bank accounts located in other jurisdictions.
- B. The company frequently sells above or below its competitors' price.
- C. The company regularly understates the value of goods exported.
- D. The company often deals with foreign currency exchanges.
正解：A
解説：
Explanation
質問 # 63
A money remittance business will most likely attract money launderers because it
1.deals primarily in cash transactions.
2.engages in international transactions.
3. conducts transactions for walk-in customers.
4.does not have to comply with transaction reporting.
- A. 1, 2, and 4 only
- B. 1, 3, and 4 only
- C. 2, 3, and 4 only
- D. 1, 2, and 3 only
正解：A
質問 # 64
OFAC-issued regulations apply to which entities? (Choose two.)
- A. Foreign banks with US customers
- B. US branches of a foreign bank
- C. Foreign subsidiaries of US banks
- D. Intermediaries transacting with US banks
- E. Foreign import-export companies
正解：C、D
解説：
Reference: https://bsaaml.ffiec.gov/manual/OfficeOfForeignAssetsControl/01
質問 # 65
In the FATF 40 recommendations, the focus of AML efforts has been expanded beyond Financial Institutions.
Which three businesses and/or professions are covered? Choose 3 answers
- A. Trust and company service providers
- B. Dealers in art, when they engage in any cash transaction with a customer at or above a designated threshold
- C. Casinos, when customers engage in financial transactions equal to or above a designated Threshold
- D. Real estate agents when they are involved in transactions for clients concerning buying and selling properties
正解：A、C、D
質問 # 66
Which AML standards have force of law?
- A. Standards as defined in the Third European Union Money Laundering Directive (2005/60/EC)
- B. Standards as defined by World Bank / International Monetary Fund (IMF)
- C. Standards as defined by the United Nations (UN)
- D. 40 Recommendations
正解：A
質問 # 67
Which are primary purposes of Financial Action Task Force {FATF)-Style Regional Bodies? (Select Two.)
- A. Promoting effective implementation of FATF recommendations
- B. Acting as a prudential regulatory body for financial institutions
- C. Providing expertise and input in FATF policy-making
- D. Imposing special measures for non-cooperative jurisdictions
- E. Providing due diligence for foreign correspondent banks
正解：A、C
解説：
Explanation
The primary purposes of Financial Action Task Force (FATF)-Style Regional Bodies are to promote effective implementation of FATF recommendations and to provide expertise and input in FATF policy-making.
(CAMS Manual, 6th Edition, Page 180)
質問 # 68
Financial Action Task Force (FATF)-style regional bodies are created and obliged to understand the inherent money laundering and terrorist financing risks in the region of the world they serve.
What is one of the methods they use to understand these risks?
- A. They conduct regional-level research and analysis of the money laundering and terrorist financing methods and trends using standards and templates used for FATF typologies reports
- B. They require participating financial institutions of their members to file suspicious transaction reports to the regional body
- C. They require member countries to develop statistical metrics over money laundering and terrorist financing crimes
- D. They conduct global research on money laundering and terrorist financing trends and report their findings in their own typologies report
正解：B
解説：
Reference: https://www.fatf-gafi.org/media/fatf/documents/recommendations/Private-Sector-Information- Sharing.pdf (18)
質問 # 69
What is the currency threshold under the European Union Fourth Anti-Money Laundering Directive?
- A. 15,000 Euros
- B. 5,000 Euros
- C. 3,000 Euros
- D. 10,000 Euros
正解：D
解説：
Explanation/Reference: https://www.acams.org/aml-resources/eu-fourth-aml-directive/
質問 # 70
You have a Bing Search service that is used to query a product catalog.
You need to identify the following information:
* The locale of the query
* The top 50 query strings
* The number of calls to the service
* The top geographical regions of the service
What should you implement?
- A. Bing Statistics
- B. Azure Monitor
- C. Azure Application Insights
- D. Azure API Management (APIM)
正解：A
解説：
The Bing Statistics add-in provides metrics such as call volume, top queries, API response, code distribution, and market distribution. The rich slicing-and-dicing capability lets you gather deeper understanding of your users and their usage to inform your business strategy.
References:
https://www.bingapistatistics.com/
質問 # 71
A national Financial Intelligence Unit, which is responsible for receiving, analyzing and disseminating disclosure of financial information, should consider becoming a member of what organization?
- A. The Basel Committee
- B. The Wolfsberg Group
- C. The Egmont Group
- D. The Financial Action Task Force
正解：C
質問 # 72
Which of the following is among the Financial Action Task Force criteria defining non-cooperative countries and territories?
- A. effective laws regarding multiple sources of beneficial owner identification by a financial institution
- B. the presence of bank secrecy provisions reasonably balanced against the government's need for information
- C. inadequate rules for the licensing and creation of financial institutions, including assessing backgrounds of managers and beneficial owners
- D. the establishment of a system for reporting "unusual" transactions, instead of "suspicious", as mentioned in the Financial Action Task force 40 Recommendations
正解：C
質問 # 73
A customer opens a corporate account with a broker-dealer on behalf of several beneficial owners, with a stated long-term investment goal. The customer deposits $25.5 million into the account and three days later transfers $5 million to an overseas bank. Shortly thereafter, the customer begins making numerous purchases of pesos. The compliance officer receives a query regarding the movement of funds. Within a month of account opening, the customer depletes the account.
Which two red flags should prompt the firm's compliance officer to take action? (Choose two.)
- A. A corporate account is opened on behalf of several beneficial owners
- B. The customer's stated investment goal is not reflective of account activity
- C. The compliance officer receives the query regarding the movement of funds
- D. The new account deposit is $25.5 million
正解：B、C
質問 # 74
......
Certified Anti-Money Laundering Specialists（CAMS）試験は、反マネーロンダリング（AML）分野のプロフェッショナル向けの、世界的に認められた認証資格です。この試験は、コンプライアンス、AML調査、規制の役割を果たす個人の知識とスキルを試験するように設計されています。CAMS認証は、AMLプロフェッショナルの知識とスキルを向上させることに専念する、最大の国際会員団体であるAssociation of Certified Anti-Money Laundering Specialists（ACAMS）によって授与されます。
CAMS認定試験は、AMLおよび金融犯罪防止の最高水準に対する候補者のコミットメントを実証しているため、世界中の雇用主と規制機関から高く評価されています。この試験では、AMLと金融犯罪防止の4つの重要な分野をカバーしています。リスク評価、顧客のデューデリジェンス、取引監視、および調査です。候補者は、4時間の時間制限内で120質問の多肢選択式試験に合格する必要があり、合格するには少なくとも75％を獲得する必要があります。 CAMS認定は3年間有効であり、認定を維持するには継続教育が必要です。
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