ACAMS CAMS 問題集

質問 1：
What does designing a country as being of "prime money laundering concern" allow the U.S. government to do?
A. Close some or all correspondent or payable-through accounts
B. Ensure the inclusion of that country into the office of Foreign Asset Control country sanctions programs
C. Ensure the inclusion of that country onto FATF's Non-Cooperative Country and Territory list
D. Obtain transactional information from U.S.-owned subsidiary banks located outside the U.S.
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 2：
An organization uses an automated surveillance system that generates a very large volume of anti-money laundering alerts. The monthly volume of alerts has increased over the last year causing the compliance staff to fall significantly behind reviewing the alerts. As a result, the system settings are under review to determine if they are appropriate.
Which action should be included in the evaluation of system settings?
A. Review parameter settings based on the latest risk assessment
B. Flag filters with no history of generating an alert for removal
C. Compare settings to organizations within its peer group
D. Calibrate parameters based on staffing capabilities to clear alerts
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 3：
Based on the USA PATRIOT Act, what action might the US take to demonstrate extraterritorial reach?
A. Hand over potential penalties from the US to another government
B. Freeze U. S. accounts that contain funds from the non-US FI
C. Send requests for information to a non-US based financial institution (FI)
D. Initiate a lawsuit in the home country of the non-US FI
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 4：
An anti-money laundering specialist notes a significant reduction in suspicious transaction report filings at a particular branch. Which of the following actions is most appropriate?
A. Analyze the branch activity reports to determine whether there has been a decrease in branch activity.
B. Place the branch on the watchlist to assure a review during the next quarter.
C. Review branch exception reports to determine changes in activity in accordance with customer profiles.
D. Review staff records to see whether inexperienced personnel are in criticalpositions without appropriate training.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 5：
A non-U.S. bank wants to open an account at Bank A, which is a U.S.-based bank.
Which information must Bank A obtain under the USA PATRIOT Act?
A. The structure and identity of the management team at the non-U.S. bank
B. A complete client list from the non-U.S. bank
C. The details of the non-U.S. bank's anti-money laundering compliance training program
D. The identity of owners and percentage of ownership of the non-U.S. bank
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 6：
A compliance officer at a financial institution has completed an investigation into a high-risk customer's activities and determined that there are strong indications of money laundering. The compliance officer has documented their findings and is ready to recommend offboarding the customer. However, the relationship manager responsible for the customer is resistant to the idea, citing the customer's significant revenue contribution to the institution.
What should the compliance officer do next to ensure the appropriate escalation and decision-making process is followed?
A. Attempt to persuade the relationship manager to agree with the offboarding recommendation by highlighting the potential reputational and regulatory risks associated with maintaining the relationship
B. Delay the offboarding decision and continue monitoring the customer's activities, waiting for further evidence to solidify the case for termination
C. Escalate the matter to the institution's high-risk client committee, presenting the investigation findings and recommending offboarding while also acknowledging the relationship manager's concerns
D. Proceed with offboarding the customer unilaterally based on their investigation findings and anti-money laundering (AML) concerns
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 7：
Which is the first valid step in the Mutual Legal Assistance Treaties international cooperation process?
A. The central authority of the requesting country sends a letter of request to the central authority of the other country.
B. An investigator from the requesting country visits the country where the information is sought and takes statements from the identified witnesses or suspects.
C. The central authority that receives the request sends it to a local judicial officer to find out if the information is available.
D. The investigator may remove the evidence collected without asking permission to do so.
正解：A
解説: (Topexam メンバーにのみ表示されます)