CAMS인증시험덤프공부 - CAMS시험대비최신덤프

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ACAMS CAMS Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: AML/CFT Compliance Program	26%	- Record Keeping and Information Sharing 1. Information Sharing Arrangements (e.g., Section 314(b)) 2. Confidentiality and Data Protection - Ongoing Monitoring and Reporting 1. Transaction Monitoring Systems 2. Currency Transaction Reporting (CTRs) 3. Suspicious Activity Reporting (SARs) - Customer Identification Program (CIP) and Customer Due Diligence (CDD) 1. Beneficial Ownership Identification 2. Customer Identification and Verification Procedures 3. Enhanced Due Diligence (EDD)
Topic 2: Money Laundering Risks and Methods	26%	- Payment Systems and Money Laundering Methods 1. Trade-Based Money Laundering 2. Digital Currencies and Virtual Assets 3. Correspondent Banking and Wire Transfers - Money Laundering and Terrorist Financing Risks 1. Jurisdictional Risks (High-Risk and Non-Cooperative Countries) 2. Politically Exposed Persons (PEPs) 3. Risk Assessment Concepts and Methodologies - Nature of Money Laundering, Terrorist Financing, and Threat Finance 1. Threat Finance and Terrorist Financing 2. Differences between Money Laundering and Terrorist Financing 3. Characteristics and Methods of Money Laundering
Topic 3: AML/CFT Investigations and Enforcement	23%	- AML/CFT Investigation Process 1. Sources of Information and Open-Source Intelligence 2. Interviewing Witnesses and Subjects 3. Investigation Techniques and Evidence Gathering - Cooperation and Information Sharing 1. Public-Private Partnerships 2. Law Enforcement and Regulatory Cooperation - Enforcement Actions and Penalties 1. Civil and Criminal Penalties 2. Extradition and Mutual Legal Assistance 3. Asset Freezing, Seizure, and Forfeiture
Topic 4: Compliance Standards for Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT)	25%	- AML/CFT Regulatory Bodies and Guidance 1. Regulatory Expectations and Enforcement Actions 2. Financial Intelligence Units (FIUs) - 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 International Standards 1. United Nations (UN) Sanctions and Conventions 2. Wolfsberg Group Principles 3. Financial Action Task Force (FATF) Standards and Guidance

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CAMS시험대비 최신 덤프 & CAMS최신버전 덤프샘플 다운

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최신 CAMS Certification CAMS 무료샘플문제 (Q308-Q313):

질문 # 308
What is an example of the integration stage of money laundering involving a bank or another deposit-taking institution?

A. Using illicit funds that had previously been deposited to purchase a luxury vehicle
B. Wiring illicit funds from an account at one bank to an account at another bank
C. Depositing illicit funds into an account set up for a front company
D. Directing third parties to exchange illicit cash for negotiable instruments

정답：B

설명：
The integration stage of money laundering is where the illicit funds are reintroduced into the legitimate financial system, making them appear as lawful income or assets. This may include using multiple accounts, transferring funds between different banks or jurisdictions, and engaging in various financial activities to legitimize the illicit funds. The integration stage aims to make the illicit funds appear legitimate and indistinguishable from lawful funds within the financial system1.
Option C is an example of the integration stage of money laundering involving a bank or another deposit- taking institution, as it involves moving the illicit funds from one bank account to another, creating a complex trail of transactions that obscures the origin and ownership of the funds. This technique is also known as wire transfer laundering or electronic funds transfer laundering2.
Option A is an example of the placement stage of money laundering, as it involves depositing the illicit funds into the financial system for the first time, using a front company as a cover for the illegal source of the funds.
A front company is a legitimate business that is used to conceal or facilitate illicit activity.
Option B is an example of the layering stage of money laundering, as it involves converting the illicit cash into other forms of value that are less conspicuous and easier to move, such as negotiable instruments.
Negotiable instruments are documents that promise payment to a specified person or the bearer, such as checks, money orders, or traveler's checks.
Option D is not an example of the integration stage of money laundering involving a bank or another deposit- taking institution, as it does not involve any financial transactions or accounts. It is rather an example of the integration stage of money laundering involving the purchase of goods or services, such as a luxury vehicle, with the illicit funds that had previously been deposited and layered through the financial system.
1: Integration Stage of Money Laundering: Bank or Deposit-Taking Institution
2: Process of Money Laundering: Placement, Layering, Integration - Tutorial ACAMS Study Guide 6th Edition, Chapter 2, page 32 ACAMS Study Guide 6th Edition, Chapter 2, page 34 The Three Stages Of Money Laundering And How Money Laundering Works Reference:https://www.moneylaundering.ca/public/law/3_stages_ML.php

질문 # 309
A customer has held an account at a bank and has lived locally for over 25 years. Historically he has come into the bank monthly to deposit a $1,500 retirement check from the company where he worked. He is well known at the bank and often brings the staff cookies. Over the past four months, he has come into the bank every Monday, Wednesday, and Thursday to make $3,000 cash deposits into his account. A review of his account shows that an $8,500 check made out to cash clears his account each week. The bank has decided to file a suspicious transaction report (STR).
What is the important fact to include in the STR?

A. The recent change in the timing of deposits and withdrawals in the account
B. The fact that the customer has lived in the area and has banked at this bank for 25 years
C. The fact that the account holder is well known to the bank staff
D. The customer's work history and the amount of his monthly retirement check

정답：A

설명：
The important fact to include in the STR is the recent change in the timing of deposits and withdrawals in the account, as this indicates a possible change in the customer's source and use of funds, and may suggest money laundering or other illicit activity. The customer's work history, the amount of his monthly retirement check, the fact that he is well known to the bank staff, and the fact that he has lived in the area and banked at this bank for 25 years are not relevant for the STR, as they do not explain the unusual pattern of transactions in his account.
Reference:
CAMS Certification Package - 6th Edition | ACAMS, Chapter 4: Conducting and Supporting the Investigation Process, page 131 CAMS Certifications: How to Get CAMS Certified | ACAMS, CAMS Examination Preparation, page 8 ACAMS CAMS Certification Video Training Course - Exam-Labs, Video 4.2: Suspicious Transaction Reporting Exam CAMS: Certified Anti-Money Laundering Specialist (the 6th edition), Question 97

질문 # 310
What does the Financial Action Task Force 40 Recommendations address on transparency of beneficial ownership?

A. Gatekeepers
B. Legal persons and arrangements
C. Correspondent banking
D. Payable through accounts

정답：B

설명：
The Financial Action Task Force (FATF) 40 Recommendations address the transparency and beneficial ownership of legal persons (such as companies, foundations, associations, etc.) and legal arrangements (such as trusts, fiducies, anstalts, etc.) in Recommendations 24 and 25. These recommendations aim to prevent the misuse of legal persons and arrangements for money laundering, terrorist financing and other illicit purposes, by requiring countries to ensure that accurate and up-to-date information on the natural persons who ultimately own or control them (the beneficial owners) is available to the competent authorities in a timely manner.
CAMS Study Guide - 6th Edition, Chapter 4, page 112
CAMS Certification Exam Outline, Domain 1, Task 1.2, Skill 1.2.2
Guidance on Transparency and Beneficial Ownership, FATF, October 2014
Recommendation 24: Transparency and beneficial ownership of legal persons, FATF
[Recommendation 25: Transparency and beneficial ownership of legal arrangements], FATF Reference:https://www.fatf-gafi.org/documents/news/transparency-and-beneficial-ownership.html

질문 # 311
The EU's6th Anti-Money Laundering Directive (6AMLD):

A. Strengthened provisions relating to the accuracy of data submitted to central beneficial ownership registries.
B. Extended AML oversight to crowdfunding platforms and professional football clubs.
C. Created a central EU watchdog to combat money laundering.
D. Eliminated the requirement for the European Commission to conduct a risk assessment.

정답：C

질문 # 312
A compliance officer at a large financial institution has been tasked by senior management to lead a team in an internal review and potential revision of the institution's customer onboarding program following a regulatory enforcement action of another institution.
Which step should the compliance officer perform first?

A. Reviewing the institution's risk assessment
B. Conducting enhanced due diligence on high risk customers
C. Revising training materials for frontline staff
D. Resolving substantive discrepancies in customer verification

정답：A

질문 # 313
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