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| Section | Objectives |
|---|---|
| Topic 1: Financial Crime Typologies and Risk | - Sanctions and embargo compliance - Common money laundering typologies across industries - Risk assessment methodologies |
| Topic 2: AML Compliance Framework | - Regulatory obligations and enforcement expectations - Internal controls and governance - AML compliance program structure |
| Topic 3: Transaction Monitoring and Reporting | - Suspicious activity detection and monitoring systems - Suspicious Activity Reports (SAR) / STR filing - Case management and investigation processes |
| Topic 4: Customer Due Diligence (CDD) and KYC | - Beneficial ownership and PEP screening - Enhanced due diligence for high-risk customers - Customer identification and verification |
| Topic 5: AML and CTF Fundamentals | - Stages and typologies of money laundering - Money laundering and terrorist financing concepts - International AML/CTF standards and FATF recommendations |
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738. Frage
Which is a key aspect in the FATF Recommendations that best describes the essential foundation for allocating resources in AML/CFT regimes for countries and financial institutions (FIs)?
Antwort: D
Begründung:
The risk-based approach (RBA) is an essential foundation of the FATF Recommendations, as it allows countries, competent authorities and financial institutions to adopt a more flexible set of measures to target their resources more effectively and apply preventive measures that are commensurate to the nature of risks, in order to focus their efforts in the most effective way. The RBA is not optional, but a prerequisite for the effective implementation of the FATF Standards. The RBA requires the identification, assessment and understanding of the ML/TF risks to which the countries and FIs are exposed, and the implementation of AML
/CFT measures that are proportionate and tailored to those risks. The RBA is not a "zero failure" approach, but a way to mitigate the risks in the most efficient and effective manner.
References:
* FATF Recommendations, Introduction, page 11
* FATF Guidance on the Risk-Based Approach to Combating Money Laundering and Terrorist Financing
- High Level Principles and Procedures, page 3
* Risk-based Approach (RBA), What is the Risk-based Approach (RBA)?
739. Frage
A foreign bank operating under an offshore license wants to open a correspondent account with a United States (U.S.) bank. The foreign bank plans to provide payable through account services to some of its customers.
What must the foreign bank provide to the U.S. bank under the USA PATRIOT Act?
Antwort: C
Begründung:
Explanation/Reference: https://www.wolfsberg-principles.com/sites/default/files/wb/pdfs/CBDDQ-Capacity-Building/ Wolfsberg%27s_CBDDQ_Capacity_Building_Guidance_Final%20V1.1.pdf
740. Frage
An individual opened an account with a minimal cash deposit at a financial institution. He presented a foreign passport and stated he would be working locally for a few months. He also requested information about making electronic fund transfers. The institution was subsequently unable to verify the employment or residence information provided by the individual. Soon after this, a large transfer was sent to the customer's account. Which of the following is the course of action recommended by the Basel Committee on Banking Supervision's Customer Due Diligence for Banks?
Antwort: B
Begründung:
According to the Basel Committee on Banking Supervision's Customer Due Diligence for Banks1, banks should have policies and procedures to identify and manage high-risk customers, such as those who provide false or incomplete information, have complex oropaque beneficial ownership structures, or are involved in large or unusual transactions. In such cases, banks should apply enhanced due diligence measures, such as obtaining additional information or documentation, verifying the source and purpose of funds, conducting more frequent and intensive monitoring of account activity, and reporting any suspicious transactions to the relevant authorities. Therefore, the best course of action for the bank in this scenario is to implement enhanced due diligence procedures to monitor the account for suspicious activity, as option B suggests.
Option A is not recommended, as it would imply that the bank accepts the customer without verifying his identity and background, which would expose the bank to money laundering and terrorist financing risks.
Option C is not advisable, as it would terminate the relationship without investigating the origin and destination of the funds, which could hinder the efforts of law enforcement agencies to trace and recover illicit assets. Option D is also not appropriate, as it would involve sending a check to a customer whose address and identity are not confirmed, which could facilitate money laundering and fraud.
5: Customer due diligence for banks - Bank for International Settlements, October 2001, pages 8-9, 13-14.
741. Frage
the Financing of Terrorism (CFT)]
What is the most effective criterion for determining the beneficial ownership of funds?
Antwort: A
Begründung:
According to the FATF Recommendations, the international standard for anti-money laundering and counter- terrorist financing, beneficial owners are the natural persons who ultimately own or control a customer or the natural persons on whose behalf a transaction is being conducted1 The beneficial ownership criterion is not based on the legal title or the nominal ownership of the funds, but on the effective control or the ultimate entitlement to the funds. Therefore, having signature authority over the account, being the person in whose name an account is opened, or being a trusted party in a correspondent banking relationship are not sufficient to determine the beneficial ownership of funds. These may be indicators of legal ownership or nominee arrangements, but they do not necessarily reflect the true ownership or control of the funds. The most effective criterion for determining the beneficial ownership of funds is having control over such funds or entitlement to such funds, either directly or indirectly, through ownership, voting rights, contractual agreements, trusts, or other means2345
:
1: FATF Recommendations, 2012, Recommendation 10 and Interpretive Note
2: Beneficial Ownership Meaning and Regulation, Investopedia, 2022
3: Ultimate Beneficial Ownership: Understanding Where The Money Comes From, ComplyAdvantage, 2022
4: Beneficial ownership and Irish investment funds, A&L Goodbody, 2021
5: Asset Management and Investment Funds Legal and Regulatory Update, Arthur Cox, 2020
742. Frage
The training department is conducting awareness training for unusual customer identification scenarios. Which two indicators should be included? (Select Two.)
Antwort: C,E
Begründung:
Explanation
This information can be found in the Certified Anti-Money Laundering Specialist (CAMS) study guide, 6th edition, under the section on Unusual Customer Identification Scenarios. The guide explains that two indicators that should be included in awareness training for unusual customer identification scenarios are:
The customer opens the account in the name of a family member who begins making large deposits.
This is an indicator of potential structuring, where a customer may be attempting to avoid triggering reporting thresholds by depositing funds in smaller amounts over time. It is important for staff to be aware of this scenario and to monitor accounts for potential suspicious activity.
The customer's name and home address cannot be verified.
This is an indicator of potential identity theft or other fraudulent activity. If a customer's identifying information cannot be verified, it is important for staff to conduct additional due diligence to ensure that the customer is legitimate and that the account is not being used for illicit purposes.
743. Frage
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