便利なCAMS技術問題試験-試験の準備方法-効率的なCAMSテスト問題集CAMS学習教材自体については、学習者が学習教材をさまざまな角度から効率的に学習できるように複数の機能を強化します。たとえば、試験を刺激する機能は、受験者が実際のCAMS試験の雰囲気とペースに精通し、予期しない問題の発生を回避するのに役立ちます。簡単に言えば、当社のCAMSトレーニングガイドは品質とサービスを優先し、ACAMSお客様にCAMS試験に合格するための新しい体験と快適な気持ちをお届けします。 ACAMS Certified Anti-Money Laundering Specialists (the 6th edition) 認定 CAMS 試験問題 (Q202-Q207):質問 # 202
Which three are the most commonly used risk criteria?
A. Customer Risk
B. Product and Service Risk
C. Reputation Risk
D. Country Risk
正解：A、B、D
解説：
According to the CAMS Study Guide, the most commonly used risk criteria for assessing the money laundering and terrorist financing risks are country risk, customer risk, and product and service risk. These criteria are based on the FATF Recommendations and the Basel Committee's guidance on sound management of risks related to money laundering and financing of terrorism.
Country risk refers to the level of exposure to potential money laundering and terrorist financing activities in a specific jurisdiction, based on factors such as the quality of its AML/CFT regime, its level of corruption, its political and economic stability, its involvement in illicit activities, and its cooperation with international bodies.
Customer risk refers to the level of exposure to potential money laundering and terrorist financing activities associated with a specific customer or customer segment, based on factors such as the nature and purpose of the business relationship, the source and destination of funds, the type and volume of transactions, the customer's profile and behavior, and the customer's geographic location.
Product and service risk refers to the level of exposure to potential money laundering and terrorist financing activities associated with a specific product or service offered by a financial institution, based on factors such as the complexity, transparency, anonymity, and accessibility of the product or service, the delivery channels and payment methods used, and the degree of oversight and monitoring applied.
Reputation risk is not a risk criterion for assessing the money laundering and terrorist financing risks, but rather a potential consequence of failing to manage those risks effectively. Reputation risk refers to the potential damage to the public trust and confidence in a financial institution due to its involvement or association with money laundering and terrorist financing activities, whether directly or indirectly.
References:
* CAMS Study Guide, 6th Edition, Chapter 2: Risk Assessments, pp. 41-461
* FATF Recommendations, Recommendation 1: Assessing Risks and Applying a Risk-Based Approach2
* Basel Committee on Banking Supervision, Sound management of risks related to money laundering and financing of terrorism, June 2017, pp. 9-143
質問 # 203
One key aspect of the Office of Foreign Assets Control's extraterritorial reach includes the blocking of certain non-United States initiated transactions for or through the United States (U.S.) for benefit of a restricted person or entity.
Under which three circumstances are U.S. banks required to block transactions? (Choose three.)
A. Those that are in connection with a transaction in which a blocked individual or entity has no interest
B. The transactions are to, or go through, a blocked entity
C. Those that are by or on behalf of a blocked individual and a licensed entity
D. Those that are by, or on behalf of, a blocked individual or entity
E. Those that are in connection with a transaction in which a blocked individual or entity has an interest
正解：B、D、E
解説：
Explanation
U.S. law requires that assets and accounts of an OFAC-specified country, entity, or individual be blocked when such property is located in the United States, is held by U.S. individuals or entities, or comes into the possession or control of U.S. individuals or entities.
For example, if a funds transfer comes from offshore and is being routed through a U.S. bank to an offshore bank, and there is an OFAC-designated party to the transaction, it must be blocked. The definition of assets and property is broad and is specifically defined within each sanction program.
Assets and property includes anything of direct, indirect, present, future, or contingent value (including all types of bank transactions). Banks must block transactions that:
* Are by or on behalf of a blocked individual or entity;
* Are to or go through a blocked entity; or
* Are in connection with a transaction in which a blocked individual or entity has an interest.
質問 # 204
the Financing of Terrorism (CFT)]
According to the Financial Action Task Force methodology, which situations would require a financial institution (FI) to consider filing a suspicious activity report?
A. A transaction involves funds exchanged from crypto to fiat currencies.
B. A FI is unable to verify the relevant customer due diligence documents.
C. A FI identifies the payer is a dealer in precious metals or stones.
D. A beneficiary of a transaction is a politically exposed person.
正解：D
解説：
According to the Financial Action Task Force (FATF) methodology, financial institutions (FIs) are required to consider filing a suspicious activity report (SAR) in situations where they suspect or have reasonable grounds to suspect that funds are the proceeds of criminal activity or related to terrorist financing. One such situation is when a beneficiary of a transaction is a politically exposed person (PEP). PEPs are individuals who hold prominent public positions or have close associations with such individuals. Their involvement in transactions can raise red flags due to the potential risk of corruption, money laundering, or other illicit activities1.
References:
1. Recommendation 20: Reporting of suspicious transactions
質問 # 205
Which situation involving a vendor presents increased AML and/or sanctions risk to an organization?
A. The vendor provides services to end users located in an area subject to economic sanctions.
B. The vendor is organized as a privately held company.
C. The vendor has no individuals that own or control more than 10% of the company.
D. The vendor's sales representative was a refugee from a sanctioned jurisdiction as a child.
正解：A
解説：
Option D (Correct): If a vendor provides services to sanctioned entities or individuals, an organization risks violating OFAC, EU, or UN sanctions laws, potentially leading to fines, legal action, or reputational damage. Engaging in business in a sanctioned region requires strict due diligence and licensing.
Option A (Incorrect): The personal background of an employee is not relevant unless they currently have direct ties to a sanctioned jurisdiction or person.
Option B (Incorrect): A lack of majority ownership does not automatically indicate AML risk; however, organizations should still assess ownership structures for opacity.
Option C (Incorrect): Privately held companies can be transparent if they disclose ownership and operate within compliance standards.
Why This Matters:
Failing to screen vendors for sanctions risks can result in severe penalties, reputational harm, and regulatory scrutiny. OFAC (U.S.), EU, and UN sanctions prohibit business transactions with specific countries, entities, and individuals. Organizations must conduct thorough due diligence to identify and mitigate sanctions risks.
Reference:
OFAC Sanctions Guidelines & Compliance Framework
EU Sanctions Regulations
FATF Recommendation 6 (Targeted Financial Sanctions Related to Terrorism & Proliferation)
質問 # 206
What are three potential issues for foreign financial institutions maintaining correspondent accounts with U.S.
banks under the Patriot Act?
A. U.S. residents maintaining private banking accounts
B. Cancellation of correspondent banking relationships
C. Forfeiture of funds in a U.S. interbank account
D. Prohibition of correspondent accounts for shell banks