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| Certification Vendor: | ACAMS (Association of Certified Anti-Money Laundering Specialists) |
|---|---|
| Exam Name: | Certified Anti-Money Laundering Specialists (the 6th Edition) |
| Exam Number: | CAMS |
| Related Certifications: | Certified Anti-Money Laundering Specialist (CAMS) |
| Passing Score: | 75% |
| Exam Price: | $1,695 |
| Real Exam Qty: | 120 |
| Exam Duration: | 210 minutes |
| Exam Format: | Multiple-choice |
| Certificate Validity Period: | 3 years (recertification required) |
| Available Languages: | German, Chinese, Japanese, Portuguese, French, Spanish, English |
| Sample Questions: | ACAMS CAMS Sample Questions |
| Exam Way: | Online (Proctored) or at Pearson VUE Test Centers |
| Pre Condition: | Candidates must have a minimum of 40 qualifying credits based on education and professional experience in the AML/financial crime prevention field. |
| Official Syllabus URL: | https://www.acams.org/en/cams-certification |
ITDumpsKR는 많은 분들이 ACAMS CAMS인증시험을 응시하여 성공하도록 도와주는 사이트입니다. ITDumpsKR 의 CAMS덤프는 모두 엘리트한 전문가들이 만들어낸 만큼 시험문제의 적중률은 아주 높습니다. 거의 100%의 정확도를 자랑하고 있습니다. 아마 많은 유사한 사이트들도 많습니다. 이러한 사이트에서 학습가이드와 온라인서비스도 지원되고 있습니다만 ITDumpsKR 는 이미 이러한 CAMS 사이트를 뛰어넘은 실력으로 업계에서 우리만의 이미지를 지키고 있습니다. ITDumpsKR 는 정확한 문제와 답만 제공하고 또한 그 어느 사이트보다도 빠른 업데이트로 여러분의 인증시험을 안전하게 패스하도록 합니다.
ACAMS CAMS (인증받은 백색세탁전문가) 자격증 시험은 백색세탁방지 분야 전문가들의 지식과 기술을 검증하기 위해 전 세계적으로 인정받는 자격증 시험입니다. 이 시험은 금융기관, 규제기관, 법 집행 기관 및 금융 범죄 예방과 관련된 기타 조직에서 일하는 전문가들을 대상으로 합니다. CAMS 자격증은 ACAMS(인증받은 백색세탁전문가 협회)에서 수여하며, 이는 백색세탁 전문직군의 진흥을 위해 전문 기관입니다.
질문 # 229
According to Basel Committee on Banking Supervision's Customer Due Diligence for Banks, which of the following should provide an evaluation of a bank's policies and procedures independent from its management?
정답：A
질문 # 230
A junior account manager within an international private bank in Country A was asked by one of his valued customers, who has held an account for several years in the institution, about depositing a large sum of cash into her account. The junior account manager informed his customer that his bank does not accept cash. The junior account manager later reviewed a customer activity report and noticed a number of smaller dollar wires from banks in neighboring Country B, which has lax currency controls, that totaled about as much as the customer intended to deposit.
What should the junior account manager do?
정답：C
설명：
The junior account manager should file a suspicious transaction report (STR) with the Financial Intelligence Unit (FIU) of Country A, as he has reasonable grounds to suspect that the customer is involved in money laundering or terrorist financing. The customer's attempt to deposit a large sum of cash, followed by a series of smaller wire transfers from a high-risk jurisdiction, indicates a possible case of structuring or smurfing, which are techniques used by criminals to avoid detection and reporting thresholds. The junior account manager should not close the account, as this could alert the customer and disrupt the investigation by the FIU or law enforcement. The junior account manager should also not notify the anti-money laundering specialist of his bank, as this could create a conflict of interest or breach of confidentiality, unless the bank's policy requires such notification. The junior account manager should also not offer the customer a more secure method of depositing, as this could be seen as facilitating or condoning the customer's illicit activities, or exposing the bank to legal or reputational risks.
References:
CAMS Study Guide, pages 97-98, 103-104, 107-108.
CAMS Exam Questions and Free Practice Test, Question 272.
질문 # 231
An anti-money laundering specialist has been asked to establish a compliance program to detect and prevent money laundering and terrorist financing. Which of the following should the anti-money laundering specialist consider in developing the program?
1. Funds for money laundering and terrorist financing are derived from illegal sources.
2. Related practices are used to conceal the nature of the funds.
3. The source and disposition of funds are similar.
4. Similar techniques are used to move funds.
정답：C
질문 # 232
In performing a risk analysis, which factor(s) should a financial institution review?
정답：C
설명：
these are the main factors that determine the inherent money laundering risk of a financial institution. The customer base, location, products and services of a financial institution affect the type, volume, and complexity of transactions that it processes, as well as the exposure to high-risk customers, jurisdictions, and activities12. A financial institution should review these factors regularly and conduct a comprehensive risk assessment to identify, measure, and mitigate its money laundering risk34.
Reference:
Anti Money Laundering Risk Assessment - Financial Crime Academy1
Anti-Money-Laundering (AML) Risk Approach Explained | Okta2
Anti-Money Laundering (AML) Risk Assessment | ACAMS4
2024 National Money Laundering Risk Assessment (NMLRA)5
질문 # 233
Which action does the Financial Action Task Force call on member countries to take in the most serious cases when countries have significant strategic AML deficiencies?
정답：B
설명：
According to the FATF Recommendations (2012), page 111, the FATF calls on its members and urges all jurisdictions to apply enhanced due diligence and, in the most serious cases, countermeasures to protect the international financial system from the money laundering, terrorist financing, and proliferation financing risks emanating from countries with significant strategic AML/CFT deficiencies. Countermeasures are proportionate and effective actions that can be applied by countries individually or collectively to protect their financial systems from these risks. Examples of countermeasures include restricting or prohibiting financial transactions with the high-risk country, requiring financial institutions to review and terminate correspondent relationships with the high-risk country, or applying enhanced reporting mechanisms or systematic reporting of financial transactions with the high-risk country.
References:
FATF Recommendations (2012), page 111
FATF Public Statement on High-Risk Jurisdictions subject to a Call for Action, February 20232 FATF Guidance on Countermeasures, October 20103
질문 # 234
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그 외, ITDumpsKR CAMS 시험 문제집 일부가 지금은 무료입니다: https://drive.google.com/open?id=1-UEDpTMwZZaxwIDsQkTjtFsobFcFurFO