ACAMS CAMS7 問題集

質問 1：
Challenges in the implementation of new technologies for AML/CFT include: (Select Four.)
A. data quality.
B. data privacy.
C. the Travel Rule.
D. complexity.
E. regulatory.
F. enhanced due diligence (EDD) policies.
正解：A,B,C,D
解説: (Topexam メンバーにのみ表示されます)

質問 2：
An agent of a wealthy individual residing in Country A, which is on the EU list of high-risk third jurisdictions, approaches a notary in Country B, which is in the EU. The agent wants to complete a disposal of assets recently acquired at auction by the wealthy individual through an offshore company. The agent also has a power of attorney to act on behalf of the offshore company issued by a respectable law firm from Country C, which is also in the EU. The agent asks the notary to proceed with the disposal as quickly as possible without paying any specific attention to related costs or taxes to be paid as a result of this transaction. The notary notices the intended transfer price is significantly lower than the one recorded at auction, but the agent does not want to discuss this matter and claims that it is not covered by the power of attorney.
Which red flags should the notary consider? (Select Two)
A. The assets acquired through an auction were put in the name of an offshore company
B. The power of attorney was issued by a law firm in a different EU country from where the transaction took place.
C. The agent acted on behalf of an individual residing in a country which is on the EU's list of high-risk jurisdictions
D. The agent requested a disposal of assets at a lower price than recently acquired.
正解：C,D
解説: (Topexam メンバーにのみ表示されます)

質問 3：
In which of the following situations would it be most crucial for the designated AML compliance officer of a company to perform a complete review of the company's AML program, including identifying the risks and commensurate controls?
A. An external audit highlights several deficiencies
B. Extensive AML legislation is proposed by a legislative body in the company's jurisdiction
C. A high-profile money laundering case involving another industry is publicized
D. The company is merging with or acquiring another entity
正解：D

質問 4：
What is the primary purpose of a risk appetite statement (RAS) in an organization and how should it be effectively communicated and implemented?
A. An RAS defines the amount and type of risk an organization is willing to take to achieve its objectives and should be communicated clearly to all stakeholders with corresponding controls implemented
B. An RAS is a formal document meant for regulatory compliance that does not influence day-to-day risk management practices within the organization
C. An RAS is a detailed plan for managing operational risks and does not cover strategic or financial risks
D. An RAS is used to outline the risk tolerance limits to external stakeholders and does not need to be communicated within the organization
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 5：
It Is important for financial institutions (FIs) to be aware of anti-financial crime (AFC) and sanctions regulatory regimes in other jurisdictions in order to.
A. maintain compliance with the AFC and sanctions requirements of all countries where the F1 operates or has business relationships and to avoid penalties for violations in foreign jurisdictions.
B. ensure that sanctions regimes are applied selectively based on the regulatory standards of the countries where business activities occur, focusing primarily on aligned jurisdictions
C. compensate for the limited applicability of AFC and sanctions regulations on cross-border transactions and their reduced relevance for domestic operations in other jurisdictions.
D. ensure the F1 can manage business relationships in jurisdictions with stricter or more lenient regulations than their home country, allowing for operational flexibility
正解：A

質問 6：
Which of the following are part of a risk-based approach? (Choose three.)
A. Performing a comprehensive risk assessment to identify customer, transaction, and geographic risks
B. Choosing and applying effective controls that align with the identified risk levels
C. Focusing monitoring primarily on previously flagged customers while using standard controls for others
D. Determining detailed risk profiles for customers based on their activities and relationships
E. Allocating resources equally across all customer segments to ensure fairness
正解：A,B,D
解説: (Topexam メンバーにのみ表示されます)

質問 7：
How should risk-related issues be addressed to ensure the effectiveness of the three lines of defense model?
A. Assign risk-related oversight duties to the third line to provide an independent review and address issues more effectively by avoiding conflicts of interest in the first and second lines
B. Delegate some risk-related issues to the first line to avoid overwhelming the second line and to ensure operational efficiency
C. Have senior management handle risk-related issues directly when possible because they are ultimately responsible for the organisation's overall risk management strategy
D. Ensure that the second line reviews, monitors, and escalates risk-related issues as needed to senior management while maintaining independent oversight from the third line
正解：D