最新的CAMS Certification認證 CAMS考試題庫

問題1

A financial institution is conducting an enterprise-wide risk assessment (EWRA) and has identified a high inherent risk of money laundering associated with its private banking division due to the clientele's high net worth and complex financial structures. However, the institution has implemented robust customer due diligence (CDD) and enhanced due diligence (EDD) procedures, along with sophisticated transaction monitoring systems.
How would these controls impact the assessment of residual risk?

A. The residual risk would be moderately reduced, but further controls may be necessary to achieve an acceptable level

B. The residual risk would be significantly reduced due to the effectiveness of the controls in place

C. The residual risk would be eliminated entirely because the controls are sufficient to mitigate all potential risks

D. The residual risk would remain high due to the inherent nature of the private banking business

正確答案: B

說明：（僅 VCESoft 成員可見）

問題2

Which key factor would result in the decision for a financial institution (FI) to exit a client relationship?

A. The client is a registered charity known to remit funds to high risk geographies where there is limited due diligence information available.

B. Closing the client accounts will help reduce the number of transaction monitoring alerts.

C. Client transactions generate ongoing transaction monitoring alerts that did not result in any SAR/STR filings.

D. After assessing all risk factors the level of residual client risk exceeds the FI's risk appetite.

正確答案: D

說明：（僅 VCESoft 成員可見）

問題3

AFinancial Intelligence Unit (FIU)in a countryhas received a SARinvolving significantsuspicious fund transfers, not only within its jurisdiction but also in aforeign country. Furtherinformation is requiredfrom the foreign country to determine whether the matter needs to be referred for prosecution locally.
Which of the following statements istruein this scenario?

A. It isagainst international lawson data protection to access information from foreign countries.

B. Countries that are members of the Egmont Group can request assistancefor information from each other.

C. Any information related to money laundering can bereceived from any organization at any time, regardless of jurisdiction.

D. Sovereignty of nations means thatinformation cannot be accessed from foreign countries.

正確答案: B

說明：（僅 VCESoft 成員可見）

問題4

A financial institution receives a regulatory enforcement action because of deficiencies in its anti-money laundering program.
Which action should the board of directors take?

A. Instruct the compliance officer to develop a plan to remediate the institution's anti-money launderingprogram

B. Purchase and install a new suspicious activity monitoring system

C. Terminate the compliance officer and staff

D. Hire an attorney with instructions to protest the enforcement action

正確答案: A

說明：（僅 VCESoft 成員可見）

問題5

What indicates potential money laundering activity by a lawyer?

A. A lawyer's account in a low risk country receives a bank draft from another lawyer firm in a high risk country

B. A lawyer's trust account receives a large value wire transfer from a publicly listed life insurance company and then immediately transfers the same funds out to an unknown individual in a low risk country

C. A lawyer's account in a high risk country receives a cash deposit of an amount that is considerable below the reporting threshold

D. A lawyer's trust account regularly receives wire transfers from unknown remitters in a high risk country and immediately redirects the same funds to the same remitters account in a low risk country

正確答案: D

說明：（僅 VCESoft 成員可見）

問題6

Which of the following are included in the11 Immediate Outcomesoutlined in the Financial Action Task Force (FATF) methodology for assessing technical compliance with the FATF Recommendations and the effectiveness of AML/CFT/CPF systems during mutual evaluations? (Select Three.)

A. Those convicted of money laundering offenses are denied access to basic banking services.

B. Financial intelligence information is collected by authorities and shared with the FATF for further investigation.

C. International cooperation provides actionable information to use against criminals.

D. Supervisors regulate financial institutions and non-bank financial institutions and their risk-based AML
/CFT programs.

E. Money laundering offenses are investigated and criminally prosecuted.

正確答案: C,D,E

說明：（僅 VCESoft 成員可見）

問題7

Which of the following are red flags pertaining to potentially suspicious transactions by a customer? (Select Three.)

A. A customer deposits a large number of consecutively numbered money orders.

B. A customer has regular deposits and withdrawals primarily in wire transfers.

C. A customer withdraws cash in amounts just under the reporting threshold.

D. A customer requests loans made to local companies or secured by obligations of local banks.

E. A customer receives wire transfers from different unknown accounts which are immediately wired onwards to a third party.

正確答案: A,C,E

問題8

Which situation would require enhanced due diligence be performed on a customer?

A. Company ownership is held in bearer share form.

B. The low-risk rating for a customer has not changed since the relationship was established 5 years ago.

C. A prospective customer recently started and incorporated a new business.

D. A customer closes their store location and opens a new store location across town.

正確答案: A

說明：（僅 VCESoft 成員可見）

問題9

How does the Asian/Pacific Financial Action Task Force <FATF>-Style Regional Body help its members implement recommendations from the FATF? (Select Two.)

A. Facilitates the adoption and implementation of internationally accepted AMI measures by member jurisdictions

B. Encourages cooperative AML efforts in the region

C. Requires members to maintain lists of regional money laundering and terrorists financing issues relevant to their region

D. Endorses regulations that define money laundering based on the model laws issued by the respective member states

E. Promotes laws that allow judicial challenges to seizure orders by an administrative body

正確答案: A,B

說明：（僅 VCESoft 成員可見）

問題10

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. "No, only U.S. accounts for U.S. citizens can be seized and forfeited by the competent authority."

B. "Yes, if it is suspected that money laundering has occurred solely in the U.S."

C. "No, only correspondent accounts of U.S. banks can be seized and forfeited by govern-ment agencies."

D. "Yes, also if the customer's account is used in a country other than the U.S. by suspected money launderers."

正確答案: D

說明：（僅 VCESoft 成員可見）

問題11

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 Financial Action Task Force

C. The Egmont Group

D. The Wolfsberg Group

正確答案: C

說明：（僅 VCESoft 成員可見）

問題12

From aninternational standards perspective, both theEU and FATFconsiderdata sharinga crucial component of effectiveanti-money laundering measuresbecause data sharing:

A. AllowsFinancial Intelligence Units (FIUs)to enactsanctionsagainst perpetrators of financial crime.

B. Needs to beapproved by the FIUbefore sharing between financial institutions.

C. Helpsfinancial institutionsto be more effective in fighting crime with data analysis.

D. Promotesfinancial transparencyand protects theintegrity of financial systems.

正確答案: D

說明：（僅 VCESoft 成員可見）

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