CAMS높은통과율시험공부인기시험기출문제

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ACAMS CAMS Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: AML/CFT Investigations and Enforcement23%- Enforcement Actions and Penalties
  • 1. Asset Freezing, Seizure, and Forfeiture
  • 2. Civil and Criminal Penalties
  • 3. Extradition and Mutual Legal Assistance
- Cooperation and Information Sharing
  • 1. Law Enforcement and Regulatory Cooperation
  • 2. Public-Private Partnerships
- AML/CFT Investigation Process
  • 1. Sources of Information and Open-Source Intelligence
  • 2. Investigation Techniques and Evidence Gathering
  • 3. Interviewing Witnesses and Subjects
Topic 2: Money Laundering Risks and Methods26%- Nature of Money Laundering, Terrorist Financing, and Threat Finance
  • 1. Characteristics and Methods of Money Laundering
  • 2. Differences between Money Laundering and Terrorist Financing
  • 3. Threat Finance and Terrorist Financing
- Money Laundering and Terrorist Financing Risks
  • 1. Politically Exposed Persons (PEPs)
  • 2. Risk Assessment Concepts and Methodologies
  • 3. Jurisdictional Risks (High-Risk and Non-Cooperative Countries)
- Payment Systems and Money Laundering Methods
  • 1. Trade-Based Money Laundering
  • 2. Digital Currencies and Virtual Assets
  • 3. Correspondent Banking and Wire Transfers
Topic 3: AML/CFT Compliance Program26%- Ongoing Monitoring and Reporting
  • 1. Suspicious Activity Reporting (SARs)
  • 2. Transaction Monitoring Systems
  • 3. Currency Transaction Reporting (CTRs)
- Customer Identification Program (CIP) and Customer Due Diligence (CDD)
  • 1. Beneficial Ownership Identification
  • 2. Enhanced Due Diligence (EDD)
  • 3. Customer Identification and Verification Procedures
- Record Keeping and Information Sharing
  • 1. Information Sharing Arrangements (e.g., Section 314(b))
  • 2. Confidentiality and Data Protection
Topic 4: Compliance Standards for Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT)25%- AML/CFT International Standards
  • 1. Wolfsberg Group Principles
  • 2. Financial Action Task Force (FATF) Standards and Guidance
  • 3. United Nations (UN) Sanctions and Conventions
- AML/CFT Compliance Program Designation
  • 1. Risk-Based Approach Implementation
  • 2. Board and Senior Management Oversight
  • 3. Components of an Effective AML/CFT Program
- AML/CFT Regulatory Bodies and Guidance
  • 1. Financial Intelligence Units (FIUs)
  • 2. Regulatory Expectations and Enforcement Actions

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CAMS완벽한 공부문제 - CAMS PDF

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최신 CAMS Certification CAMS 무료샘플문제 (Q21-Q26):

질문 # 21
A non-U.S. bank asks its U.S. correspondent whether there is risk of having funds seized in their correspondent account if a customer is involved in a predicate offense.The correspondent bank's reply should be,

정답：A


질문 # 22
The product department of an insurance company proposes launching a special life insurance product with investment elements that allow clients to instruct payments to unknown third parties via partner financial institutions. The product department seeks fast-track approval from compliance to ensure quick market launch.
What is the best course of action from a compliance perspective?

정답：B

설명：
The life insurance industry is vulnerable to money laundering and terrorist financing, especially when policies allow payments to unknown third parties.
Option A (Correct): Allowing policyholders to transfer funds to unknown third parties increases the risk of money laundering. FATF and EU AML Directives highlight life insurance policies as high-risk products.
Option B (Incorrect): Completing KYC does not eliminate risk. Customers can use legitimate insurance products for illicit purposes.
Option C (Incorrect): While governance violations should be addressed, the main concern here is money laundering risk, not the compliance team's involvement in product development.
Option D (Incorrect): Fast-tracking approval without proper risk assessment creates regulatory and reputational risks.


질문 # 23
An anti-money laundering specialist working at a bank just received a legal request from a law enforcement agency mandating the release of all financial transaction records relating to an account at the bank. The specialist immediately recognizes the account as one owned by the bank Chief Executive Officers brother. During research to gather the requested documents, the specialist finds several internal memos he had sent to the bank president with concerns regarding possible suspicious activity relating to this account. The specialist recalls the bank president verbally responded to each memo with an explanation of the activity and indicated there was no cause for concern. What should the specialist do with respect to these internal memos?

정답：A

설명：
the specialist should inform the bank's senior legal advisor of the situation and seek guidance on how to handle the legal request and the internal memos. The specialist should not take any action that could compromise the integrity of the legal request, the bank's anti-money laundering program, or the specialist's own professional obligations. The specialist should not place the memos in his personal files, as this could be seen as hiding or tampering with evidence. The specialist should not ask the bank president to document his instructions, as this could create a conflict of interest or a perception of undue influence. The specialist should not call the law enforcement agent and suggest he modify the legal request, as this could be seen as interfering with the investigation or tipping off the account holder.
Reference:
Legal Sector Affinity Group (LSAG) Anti-Money Laundering Guidance for the Legal Sector (January 2021) p. 1321 ACAMS: Certified Anti-Money Laundering Specialist | ACAMS2 Anti-Money Laundering - The Law Society of Singapore3


질문 # 24
Which is a red flag for funds transfers?

정답：D

설명：
Reference: https://www.fmu.gov.pk/docs/Red-flags-for-banks.pdf


질문 # 25
Which are primary purposes of Financial Action Task Force {FATF)-Style Regional Bodies? (Select Two.)

정답：C,E

설명：
The primary purposes of Financial Action Task Force (FATF)-Style Regional Bodies are to promote effective implementation of FATF recommendations and to provide expertise and input in FATF policy-making.
(CAMS Manual, 6th Edition, Page 180)


질문 # 26
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