ACAMS CAMS-FCI 問題集

質問 1：
Which might suggest misuse of crowdfunding resources by a terrorist?
A. A small charge at a gas station followed by a large charge at an electronics store
B. Multiple small deposits followed by the purchase of airplane tickets >
C. Multiple small deposits followed by a wire transfer to a large well-known international charity
D. A large deposit followed by multiple charges at a sporting goods store
正解：B
解説: (Topexam メンバーにのみ表示されます)

質問 2：
The investigations team of a financial institution (Fl) wants to perform enhanced due diligence measures on operations done by a foreign bank related to transactions of companies that export scrap gold and silver. What would be the next best steps for the investigations team? (Select Two.)
A. Ask the respondent bank if it has a risk rating for the exporting companies, if the customer profiles are updated, and if so. when was the last time it was done.
B. Ask the legal department if it can proceed to rescind the contract of the correspondent banking relationship since the export of scrap gold and silver is a high-risk activity.
C. Ask the respondent bank if it can file a SAR/STR in its jurisdiction since the investigations team also plans to do the same in the Fl's home country.
D. Ask the respondent bank if the exporting companies have obtained an official license that permits the exporting of scrap gold and silver.
E. Ask the business manager who handles the relationship of the respondent bank if they can persuade the bank to close the accounts of the export companies.
正解：A,D
解説: (Topexam メンバーにのみ表示されます)

質問 3：
When crafting internal procedures on writing and submitting SARs/STRs, one should:
A. include attachments with the SARs/STRs as all information needs to be at the disposal of the financial intelligence unit (FIU)
B. use internal keywords and standard industry terms to better provide context within which the suspicious activity was identified.
C. consider the guidelines issued by the national financial intelligence unit {FIU) and local regulator and incorporate any country-specific requirements.
D. adhere to home junsdiction guidelines across the whole group when local requirements of the country of operation and home jurisdiction conflict.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 4：
A client with many personal and business deposits with the financial institution (Fl) seeks a business loan. The client wants to guarantee the loan with a trust for which they are the beneficiary.
An investigator examines the trust. The trust has many layers, including shell companies in known tax havens.
The client's ultimate beneficial ownership claim cannot be validated, and the loan is denied.
Two months later, the Fl receives a law enforcement (LE) request on one of the client's business accounts.
While reviewing the business account, the Fl receives another LE request on the same account from another agency. The requested information is shared.
Three months later, a branch manager receives a request to open a business deposit account related to a complex trust. The manager forwarded the request because of the complexity. The trust was the same as the previously examined trust, but the request came from a different client. The second client also has many accounts with the Fl. Further inspection finds links between the second client and the Paradise Papers. The Papers state the client led illegal activities and committed tax evasion.
What steps should the investigator perform in reference to the first client's existing accounts? (Select Three.)
A. Perform secondary scans of the client's other owners/authorized signers
B. File SARs/STRs for all accounts at the beginning of the discovery phase and amend later as necessary.
C. Prepare a relationship flow chart of all existing accounts to better understand the client's activities.
D. Review all client-signed documents relating to all accounts.
E. Review Fl approved policies regarding the existing accounts to ensure regulatory requirements were followed.
F. Inform Fl management of all processes used to investigate the client due to LE inquiry.
正解：A,C,D
解説: (Topexam メンバーにのみ表示されます)

質問 5：
A government entity established a trust to provide social welfare programs. The entity wants cash payments made to persons without supporting documentation. These persons would oversee the allocation of funds to beneficiaries without complying with internal disbursement of government funds controls. Which is the main premise for filing a SAR/STR?
A. Social welfare programs are difficult to document because the beneficiaries are from the informal sector.
B. Cash disbursements are not allowed for social welfare programs.
C. Trust service providers are not obliged by law to follow government internal controls.
D. The entity is not implementing adequate internal controls according to what is expected, and mishandling of funds could be occurring.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 6：
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 7：
A financial institution <FI> might use which option as intelligence to file a SAR/STR?
A. The Fl discovers a large number of securities transactions that appear to be related to day trading.
B. A customer makes several deposits in one month that appear to exceed their expected monthly income.
C. A customer receives a large, one-time wire from a law firm.
D. The Fl is unable to obtain evidence of required licensing or registration despite suspicion of money transmitting.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 8：
In a SAR/STR narrative concerning Individual A. which statement indicates a product of analysis rather than a fact or judgement?
A. Individual A was the originator of nine wires totaling 225.000 USD between January and March 2020.
B. Individual A made structured cash deposits on almost consecutive days.
C. Individual A made structured cash deposits possibly to circumvent regulatory reporting requirements
D. Individual A is a college student and employed part-time at a car wash.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 9：
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)