CAMS인기자격증시험대비덤프문제 - CAMS Vce

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CAMS 인증 시험은 위험 평가, 고객 실사, 거래 모니터링, 제재 선별 및 규제 준수를 포함하여 AML 및 금융 범죄 예방과 관련된 광범위한 주제를 다룹니다. 이 시험은 AML 준수에서 일하는 전문가의 지식과 기술을 테스트하고 최신 AML 규정, 법률 및 모범 사례에 대한 포괄적 인 이해를 보장하도록 설계되었습니다. 인증 시험은 엄격하며 주제에 대한 철저한 이해가 필요하므로 현장에서 경력을 발전시키려는 전문가에게 귀중한 자격 증명이됩니다.

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시험준비에 가장 좋은 CAMS인기자격증 시험대비 덤프문제 공부하기

우리ExamPassdump에서는 각종IT시험에 관심있는분들을 위하여, 여러 가지 인증시험자료를 제공하는 사이트입니다. 우리ExamPassdump는 많은 분들이 IT인증시험을 응시하여 성공할수록 도와주는 사이트입니다. 우리의 파워는 아주 대단하답니다. 여러분은 우리ExamPassdump 사이트에서 제공하는ACAMS CAMS관련자료의 일부분문제와답등 샘플을 무료로 다운받아 체험해봄으로 우리에 믿음이 생기게 될 것입니다.

최신 CAMS Certification CAMS 무료샘플문제 (Q352-Q357):

질문 # 352
What is the goal of the Egmont Group in providing a forum for Financial Intelligence Units (FIUs) around the world?

A. To improve communication with law enforcement in the fight against money laundering and the financing of terrorism and to foster the implementation of domestic programs in this field.
B. To improve international laws to combat money laundering and the financing of terrorism and foster the implementation of domestic programs.
C. To improve cooperation with state and federal governments in the fight against money laundering and the financing of terrorism and to foster the implementation of domestic programs in this field.
D. To provide a forum for FIUs to improve cooperation in the fight against money laundering and the financing of terrorism and to foster the implementation of domestic programs in this field.

정답：D

질문 # 353
In the summer, an institution identifies anti-money laundering concerns regarding a customer's account activity. The customer, an ice cream, has deposited a lot of checks drawn on banks in foreign countries, sent large number of high dollar international wires to different countries, made cash deposits of a few hundred dollars every few days and written multiple checks for a few hundred dollars to the same dozen payees every two weeks.
Which two transaction types warrant investigation? (Choose two.)

A. Checks drawn on banks in foreign countries
B. Repeated checks to the same payees
C. Regular cash deposits
D. The wires to foreign countries

정답：A,D

설명：
According to the ACAMS Study Guide 6th Edition, Chapter 2, page 36, one of the methods that financial institutions can use to identify suspicious or unusual activity is to monitor transactions for red flags or indicators of money laundering or terrorist financing. Some of the common red flags are:
* Transactions that are inconsistent with the customer's profile, business, or source of funds
* Transactions that involve high-risk countries or jurisdictions, especially those with weak or inadequate anti-money laundering regulations, or those known to be sources or destinations of illicit funds
* Transactions that involve the use of complex or unusual financial instruments or structures, such as multiple accounts, intermediaries, or offshore entities, that have no apparent economic or lawful purpose
* Transactions that involve the use of large amounts of cash, checks, or monetary instruments, especially if they are structured or aggregated to avoid reporting or recordkeeping requirements
* Transactions that involve the use of third parties or nominees, such as relatives, associates, or shell companies, to conceal the identity, ownership, or control of the funds or assets Option B is a transaction type that warrants investigation, as it involves sending large number of high dollar international wires to different countries, which could indicate that the customer is involved in layering or integration stages of money laundering, where the illicit funds are moved across borders and disguised as legitimate transfers. This transaction type also raises the risk of exposure to sanctions, terrorist financing, or other illicit activities, depending on the destination and purpose of the wires.
Option D is also a transaction type that warrants investigation, as it involves depositing a lot of checks drawn on banks in foreign countries, which could indicate that the customer is involved in placement or layering stages of money laundering, where the illicit funds are introduced into the financial system or converted into other forms of value. This transaction type also raises the risk of exposure to fraud, counterfeit, or forgery, depending on the origin and authenticity of the checks.
Option A is not a transaction type that warrants investigation, as it involves making regular cash deposits of a few hundred dollars every few days, which could be consistent with the customer's profile, business, or source of funds, especially if the customer is an ice cream vendor who operates in cash. This transaction type does not raise any red flags of money laundering or terrorist financing, unless there is evidence that the cash deposits are structured or aggregated to avoid reporting or recordkeeping requirements.
Option C is also not a transaction type that warrants investigation, as it involves writing multiple checks for a few hundred dollars to the same dozen payees every two weeks, which could be consistent with the customer's profile, business, or source of funds, especially if the payees are suppliers, employees, or contractors of the customer. This transaction type does not raise any red flags of money laundering or terrorist financing, unless there is evidence that the checks are used to facilitate illicit activities, such as bribery, kickbacks, or tax evasion.
References:
* ACAMS Study Guide 6th Edition, Chapter 2, page 36
* Red Flags And Atypical Customer Behavior: Anti-Money Laundering Awareness
* 4 Red Flags of Money Laundering or Terrorist Financing

질문 # 354
What is the intentional evasion of a reporting or recordkeeping requirement?

A. Money laundering
B. Structuring
C. Layering
D. Placement

정답：B

설명：
Structuring is the intentional evasion of a reporting or recordkeeping requirement by breaking down a large transaction into smaller ones, or by using multiple accounts, institutions, or persons to avoid triggering the threshold for reporting or recordkeeping. Structuring is also known as smurfing, and it is a common technique used by money launderers to conceal the source, ownership, or control of illicit funds.
References: =
* ACAMS Study Guide for the CAMS Certification Examination, 6th Edition, Chapter 2, Section 2.1.1, page 511
* ACAMS CAMS Certification Video Training Course, Module 2, Lesson 2.1, video time 7:00-8:002
* ACAMS CAMS Certification Practice Exam, Question 134, page 2853

질문 # 355
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 dollar amount of each transaction is just below the record keeping threshold.
C. The funds are being sent to the same recipient each week.
D. The customers always visit together.

정답：B

설명：
According to the ACAMS CAMS Study Guide, one of the common methods of money laundering and terrorist financing is to structure transactions to avoid reporting or record keeping requirements. Structuring involves breaking down a large amount of cash into smaller transactions that fall below a specified threshold, or using different accounts, agents, locations, or days to conduct the transactions. Therefore, the fact that the two customers remit the same amount of funds, $2,500, each week to the same recipient in a high-risk country is a red flag for possible money laundering or terrorist financing activity, as it suggests that they are trying to evade the record keeping threshold of $3,000 for money transmitters in the United States12.
References:
* ACAMS CAMS Study Guide, 6th Edition, page 27
* FFIEC BSA/AML Appendices - Appendix F - Money Laundering and Terrorist Financing Red Flags1
* AML Red Flags - What are the Top 10 Indicators? - ComplyAdvantage2

질문 # 356
Normal account-opening procedures reveal a customer who contacted a financial institution to open a bank account is the brother of a prominent member of a foreign judiciary. Which of the following actions should the anti-money laundering specialist recommend immediately?

A. Monitor the customer's account.
B. File a suspicious transaction report with the competent authority.
C. Contact the institution's legal advisor.
D. Perform enhanced due diligence.

정답：D

설명：
A customer who is the brother of a prominent member of a foreign judiciary is considered a politically exposed person (PEP) or a family member of a PEP. PEPs are individuals who hold or have held positions of public trust or influence in a foreign country, such as heads of state, senior politicians, high-ranking military officers, judges, or executives of state-owned enterprises. PEPs pose a higher risk of money laundering, corruption, or bribery due to their access to public funds, influence over policy decisions, or connections to other powerful individuals. Therefore, financial institutions are required to perform enhanced due diligence (EDD) on PEPs and their family members, as well as monitor their transactions and activities more closely.
EDD is a set of additional measures that go beyond the standard customer due diligence (CDD) to obtain more information about the customer, such as their source of wealth, source of funds, expected account activity, business relationships, and reputation. EDD also involves conducting ongoing reviews and updating the customer risk profile regularly. EDD helps the financial institution to mitigate the risks associated with PEPs and detect any signs of money laundering or other illicit activities.
References:
ACAMS Study Guide1, Chapter 2: Compliance Standards for Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT), pages 51-52 FATF Guidance on Politically Exposed Persons2, pages 9-10, 13-14, 17-18 Wolfsberg Group Guidance on Politically Exposed Persons3, pages 2-3, 6-7

질문 # 357
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CAMS인기자격증시험대비덤프문제 - CAMS Vce

시험준비에 가장 좋은 CAMS인기자격증 시험대비 덤프문제 공부하기

최신 CAMS Certification CAMS 무료샘플문제 (Q352-Q357):

최신 CAMS인기자격증 시험대비 덤프문제 인증시험대비 덤프공부

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