ACAMS CAMS 問題集

質問 1：
The ultimate goal of economic sanctions is to:
A. protect national security.
B. reduce the profits of sanctioned countries.
C. protect the reputation of the country.
D. prevent terrorists from profiting from trade.
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 2：
An immigrant residing in the United States opens a bank account that includes a debit card. Several months later, the transactional monitoring system identifies small deposits into the account followed by corresponding ATM withdrawals from a country bordering a conflict zone.
How should the bank respond?
A. File a suspicious transaction report
B. Contact the customer if the transaction activity continues
C. Initiate an investigation into the activity
D. Block any further activity
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 3：
To understand if the customer operates in line with the firm's risk appetite for a specific industry segment, a financial institution must:
A. obtain the name, date of birth for an individual, address and identification number from each customer before opening the account.
B. obtain the name and address, country identification number and date of birth of a non-customer who purchases a monetary instrument.
C. obtain sufficient customer information to understand the nature and purpose of customer relationships for the purpose of developing a customer risk profile.
D. obtain identifying information for beneficial owners through a completed certification form from the individual opening the account on behalf of the legal entity customer.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 4：
The bank's internal financial intelligence unit (FIU) has reviewed activity related to a politically exposed person (PEP); the activity in the account contains a large, round number, one time wire to an obscure organization. Which would not be a sufficient reason to file a SAR/STR?
A. Beneficiary is largely unknown
B. Customer activity is unreasonable
C. Maintain the bank's reputation
D. Wire is a large amount
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 5：
A compliance officer of a financial institution is reviewing a payment for sanctions compliance between two parties in Europe and Asia. The payment is in Euros and involves the provision of services to a company located in a jurisdiction subject to Office of Foreign Assets Control secondary sanctions. Which factor is most important in determining the compliance officer's response?
A. Asset freezes only prohibit US companies from engaging in certain activities with counterparts from a sanctioned jurisdiction.
B. A one-off commercial transaction conducted between parties in Europe and Asia is not subject to secondary sanctions.
C. Secondary sanctions only target specific sectors of the economy such as the banking and finance sectors.
D. The threat of US sanctions against foreign individuals and entities continues to exist despite the absence of a US nexus.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 6：
A division anti-money laundering officer for a financial institution has been conducting a monthly self- assessment.
The officer reviews the accounts opened for compliance with a long standing Know Your Customer policy.
The self-assessment for the latest month shows a significant increase in compliance deficiencies for the first time in more than a year.
Which of the following is the next course of action for the anti-money laundering officer to take?
A. Implement a revision to the account-opening training program.
B. Revise the policy to simplify Know Your Customer compliance before the report is issued.
C. Determine if there is a readily identifiable cause for the deficiencies.
D. Inform the Board promptly of the Know Your Customer policy trend over the last 6 months.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 7：
Cybersecurity risk can result in identity theft by:
A. identifying bugs in personal data processors.
B. issuing false passwords.
C. executing false transactions.
D. compromising individual's personal data.
正解：D
解説: (Topexam メンバーにのみ表示されます)