CAMS7受験料過去問、CAMS7問題トレーリング関連する認定を取得し、自分自身を向上させるためにCAMS7試験の準備をしようとするなら、あなたは非常に幸運に違いありません。すべての関係者の共同の努力により、当社は非常に便利で有用なCAMS7学習教材を設計しました。さらに重要なことは、当社の学習教材が多くの人々が目標を達成し、関連する認証を取得するのに役立っていることを実践が証明していることです。当社のCAMS7学習教材は、CAMS7試験に合格し、関連する認定を取得することを切望している人々に最適な学習ツールです。 ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) 認定 CAMS7 試験問題 (Q199-Q204):質問 # 199
Which of the following risk factors are commonly associated with money laundering in insurance products?
(Choose two.)
A. Using cryptocurrencies or other non-fiat currencies to fund an insurance policy
B. Using a credit card to purchase an insurance policy
C. Focusing excessively on the investment performance of an insurance product
D. Surrendering a policy early to liquidate funds
正解：A、D
解説：
Early surrender of a policy can be used to quickly access and integrate illicit funds, while funding an insurance policy with cryptocurrencies or other non-fiat currencies can obscure the source of funds, both of which are recognized money laundering risk factors in insurance products.
質問 # 200
Which techniques are most commonly used in a rules-based approach to transaction monitoring for detecting suspicious activities? (Choose two.)
A. Using predefined rules to flag specific transaction patterns
B. Statistical tuning of monitoring scenarios to improve accuracy
C. Randomly flagging transactions for further investigation
D. Using advanced machine learning models to detect outliers
E. Setting transaction thresholds for automated alerts
正解：A、E
解説：
A rules-based approach to transaction monitoring relies on predefined rules that flag specific patterns and on setting thresholds that trigger automated alerts when exceeded. These techniques are fundamental to identifying potentially suspicious activities in a structured, deterministic way.
質問 # 201
Challenges in the implementation of new technologies for AML/CFT include: (Select Four.)
A. regulatory.
B. complexity.
C. enhanced due diligence (EDD) policies.
D. data privacy.
E. the Travel Rule.
F. data quality.
正解：B、D、E、F
解説：
Key challenges in adopting new AML/CFT technologies are:
* A: Data privacy-new tech often requires processing more personal data, raising privacy/regulatory concerns.
* C: The Travel Rule-meeting global standards for information sharing in payments is a technology challenge.
* D: Data quality-effective systems rely on accurate, comprehensive, timely data.
* E: Complexity-integrating and managing new technology can increase operational complexity.
(CAMS 6th Edition, Technology in AML/CFT; FATF Guidance on Digital ID and Fintech) References:
CAMS 6th Edition, AML/CFT Technology and Implementation Challenges
FATF, "Opportunities and Challenges of New Technologies for AML/CFT" (2021)
質問 # 202
An internal audit team is reviewing the anti-financial crime (AFC) program of its firm.
Which of the following attributes of the third line of defense would be most critical to ensure unbiased and effective oversight?
A. Qualification of the team
B. Periodic training of the function
C. Consistency of approach
D. Independent testing
正解：D
解説：
Independent testing is critical for the third line of defense to provide unbiased and effective oversight, ensuring that reviews and audits are objective and free from influence by the first or second lines of defense.
質問 # 203
A key advantage of privacy enhancing technologies (PETs) in anti-money laundering is that they offer:
A. secure processing of data while it remains encrypted.
B. simultaneous encryption and decryption for underlying data.
C. full access to underlying data with full and uninterrupted calculations made on the data.
D. transfer, decryption and storage of data by the data processor.
正解：A
解説：
A key advantage of privacy enhancing technologies (PETs) in anti-money laundering is their ability to securely process data while it remains encrypted. This enables data analysis and collaboration without exposing sensitive information, helping to maintain privacy while still supporting financial crime detection.