ACAMS CAMS-FCI 問題集

質問 1：
A bank's transaction surveillance system triggers an alert for a deposit of 250.000 USO into a client's account.
According to the bank's KYC information, the client works for a financial advisory firm, and earns approximately 100,000 USD per year. Which actions should be taken? (Select Three.) File the suspicious transaction immediately to the financial intelligence unit.
A. Contact the client advisor to learn if he has any insight on the transaction background.
B. Request information and documentation from the client on the background of the transaction.
C. Discard the alert as a false positive hit
D. Review the alert if the deposit is made in cash.
E. Review the transaction background in the bank's transaction platform.
正解：A,B,E
解説: (Topexam メンバーにのみ表示されます)

質問 2：
SAR/STR NARRATIVE
A SAR/STR has been submitted on five transactions conducted on the correspondent banking relationship with ABC Bank.
Client Information:
Remitter information: DEF Oil Resource Ltd. is the oldest member of the DEF Group. It was founded in 1977 as a general trading business with a primary focus on exports from Africa and North America. The group has business activities that span the entire energy value chain. Their core field of endeavor is centered within the oil and gas industry and its associated sub-sectors.
Beneficiary Information:
As per the response received from ABC Bank, it was determined that the beneficiaries are related to DEF Oil Resource Ltd. These were created by DEF Oil Resource Ltd. to purchase property in a foreign country on behalf of their senior management as part of a bonus scheme. The purpose behind this payment was for the purchase of property in another country.
Payment Reference:
ABCXXXXX31PZFG2H
ABCXXXXXX51PQGEH
ABCXXXXXX214QWVG
ABCXXXXXX41PSXA2
ABCXXXXXX815QWS3
Concerns:
* We are unsure about the country of incorporation of the beneficiaries.
* We are concerned about the transactional activity since the payment made towards entities (conducted on behalf of individuals) appears to be possible tax evasion.
* There appears to be an attempt to conceal the identity of individuals (senior management), which again raises concerns about the source of funds.
* Referring to the response received from ABC Bank, we are unclear about the ultimate beneficiary of funds.
* The remitter is involved in a high-risk business, (i.e., oil and crude products trading), and the beneficiary is involved in real estate business which again poses a higher risk.
While reviewing the account activity, it is noted that several transfers are sent to a company located in an offshore jurisdiction. Which step should the investigator take next?
A. Request information about the beneficiaries related to the company.
B. File a SAR/STR to the FIU where the company is located.
C. Conduct an open-source search to determine the ownership and registration of the company.
D. Request information from the company.
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 3：
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)

質問 4：
An unusual spike in activity has occurred for a customer who is a supplier of aviation parts to a military force.
The customer's current line of business is consistent with the banks records, and no adverse media hits have occurred. Which is the best reason for an investigator to continue an investigation?
A. The customer is a supplier of aviation parts.
B. The current line of business is consistent with the bank's records.
C. The end-user is a military force.
D. There are no adverse media hits.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 5：
According to the Financial Action Task Force, as part of their risk assessment, which are important data and information that a Trust and Company Service Provider must understand when establishing and administering a trust? (Select Two.)
A. The general nature of business of the trust
B. The responsibility and authority in the structure
C. The source of funds in the structure
D. The general purpose behind the structure
E. The management structure of the trust
正解：B,D
解説: (Topexam メンバーにのみ表示されます)

質問 6：
Which are primary purposes of Financial Action Task Force {FATF)-Style Regional Bodies? (Select Two.)
A. Promoting effective implementation of FATF recommendations
B. Acting as a prudential regulatory body for financial institutions
C. Imposing special measures for non-cooperative jurisdictions
D. Providing due diligence for foreign correspondent banks
E. Providing expertise and input in FATF policy-making
正解：A,E
解説: (Topexam メンバーにのみ表示されます)

質問 7：
A SAR/STR on cash activity is filed for a company registered in the Marshall Islands operating a Mediterranean beach bar and hotel. The company has three nominee directors, one nominee shareholder, and another individual declared as both the beneficial owner and authorized signatory. Which information is key for law enforcement's physical surveillance of cash activity? (Select Two.)
A. The identification details the nominee directors
B. The company's registered address
C. The identification details o' the nominee shareholder
D. The company's operating address
E. The identification details of the beneficial owner and authorized signatory
正解：D,E
解説: (Topexam メンバーにのみ表示されます)

質問 8：
As part of an internal fraud investigation, an AML officer has decided to interview an employee. Which statement is most consistent with best practices?
A. Prior to the interview, the investigator should inform the employee about the allegations.
B. The employee should be supplied with all information about any ongoing fraud investigations.
C. Information on the employee can be gathered from coworkers and supervisors before the employee is interviewed.
D. The employee should be notified that failing to cooperate can lead to loss of employment.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 9：
An AML investigator at a bank identifies an unusually high number of deposits from a few customers resulting from the encashment of multiple gambling tickets from a legitimate gambling company. It is noted that the transactions are inconsistent with the customers' profiles and that reverse (corrective) transactions did not occur. Which suspicious activity is most likely?
A. The customers deposited fake winning tickets.
B. The winning tickets are traded to criminals who. in turn, use the customers' accounts.
C. The customers are attempting to evade income tax.
D. The gambling company created fictitious transactions in an attempt to misrepresent the size of its business activity.
正解：B
解説: (Topexam メンバーにのみ表示されます)