저희는 수많은 IT자격증시험에 도전해보려 하는 IT인사들께 편리를 가져다 드리기 위해 ACAMS CAMS실제시험 출제유형에 근거하여 가장 퍼펙트한 시험공부가이드를 출시하였습니다. 많은 사이트에서 판매하고 있는 시험자료보다 출중한KoreaDumps의 ACAMS CAMS덤프는 실제시험의 거의 모든 문제를 적중하여 고득점으로 시험에서 한방에 패스하도록 해드립니다. ACAMS CAMS시험은KoreaDumps제품으로 간편하게 도전해보시면 후회없을 것입니다.
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ACAMS CAMS인증시험덤프는 적중율이 높아 100% ACAMS CAMSACAMS CAMS시험에서 패스할수 있게 만들어져 있습니다. 덤프는 IT전문가들이 최신 실러버스에 따라 몇년간의 노하우와 경험을 충분히 활용하여 연구제작해낸 시험대비자료입니다. 저희 ACAMS CAMS덤프는 모든 시험유형을 포함하고 있는 퍼펙트한 자료기에 한방에 시험패스 가능합니다.
질문 # 573
Which two factors assist a money laundering investigation that involves multiple countries? (Choose two.)
정답：B,C
설명：
A money laundering investigation that involves multiple countries can be challenging due to different legal systems, languages, cultures, and levels of cooperation. Two factors that can assist such an investigation are:
Law enforcement and other authorities should have access to financial information that is pertinent to the investigation. This can help them trace the flow of illicit funds, identify the perpetrators and beneficiaries, and gather evidence for prosecution. Financial information can be obtained from various sources, such as financial institutions, financial intelligence units, regulators, and international organizations.
Law enforcement and other authorities should be allowed to establish and utilize joint investigative teams with law enforcement in other countries. This can enhance coordination, communication, and information sharing among the authorities involved, and allow them to pool resources, expertise, and evidence. Joint investigative teams can also facilitate mutual legal assistance and extradition requests.
Reference:
Financial Action Task Force (FATF), International Standards on Combating Money Laundering and the Financing of Terrorism & Proliferation, The FATF Recommendations, February 2012, updated June 2019, Recommendation 40, pp. 120-123 FATF, Best Practices on Establishing and Operating a Joint Investigative Team, June 2020, pp. 5-6 FATF, Money Laundering and Terrorist Financing Investigations, June 2018, pp. 11-12
질문 # 574
A client has retained a lawyer to create a financial holding company. The lawyer resides in Europe. The client provides all requested documentation to the lawyer. However, the lawyer becomes suspicious that the customer is engaged in criminal activity and intends to use the financial holding company for money laundering purposes. Which of the following should an anti-money laundering specialist recommend according to the European Union Money Laundering Directives?
정답：A
설명：
The correct answer is C because the European Union Money Laundering Directives require lawyers and other independent legal professionals to report suspicious transactions to the competent authority when they are involved in certain activities on behalf of their clients, such as creating or managing companies, trusts, or other legal arrangements. The directives also provide that the obligation to report overrides any professional secrecy or confidentiality rules, except when the lawyer is ascertaining the legal position of the client or representing the client in legal proceedings or in connection with such proceedings. Therefore, the lawyer in this scenario should report the activity as suspicious to the competent authority, as creating a financial holding company for the client falls within the scope of the reporting obligation and does not qualify for the exemption12 Reference:
1: ACAMS Study Guide for the CAMS Certification Examination, 6th Edition, Chapter 4, page 141
2: Directive (EU) 2018/843 of the European Parliament and of the Council of 30 May 2018 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, Article 33 and 34
질문 # 575
Which key factor would result in the decision for a financial institution (FI) to exit a client relationship?
정답：A
설명：
The key factor that would result in the decision for a financial institution (FI) to exit a client relationship is when the level of residual client risk exceeds the FI's risk appetite. Residual client risk is the remaining risk after applying the FI's risk mitigation measures, such as customer due diligence, transaction monitoring, and suspicious activity reporting. Risk appetite is the level and type of risk that the FI is willing and able to accept in pursuit of its business objectives. If the residual client risk is higher than the risk appetite, the FI may decide to terminate the relationship to avoid potential regulatory, reputational, or operational consequences.
The other options are not necessarily key factors for exiting a client relationship, because:
The client is a registered charity known to remit funds to high risk geographies where there is limited due diligence information available. This option may indicate a higher level of inherent client risk, but it does not necessarily mean that the FI should exit the relationship. The FI may be able to apply enhanced due diligence, ongoing monitoring, and risk-based controls to mitigate the risk and comply with the regulatory requirements. The FI may also consider the nature and purpose of the client's activities, the source and destination of the funds, and the potential impact on the client's beneficiaries.
Closing the client accounts will help reduce the number of transaction monitoring alerts. This option may suggest a possible benefit of exiting the relationship, but it is not a key factor for making the decision. The FI should not base its decision solely on the volume of transaction monitoring alerts, but rather on the quality and relevance of the alerts, the results of the investigation, and the risk assessment of the client. The FI should also ensure that its transaction monitoring system is properly calibrated and validated to avoid generating excessive or false alerts.
Client transactions generate ongoing transaction monitoring alerts that did not result in any SAR/STR filings. This option may indicate a need for reviewing and improving the transaction monitoring system or the investigation process, but it does not necessarily imply that the FI should exit the relationship. The FI should not assume that the absence of SAR/STR filings means that the client is low risk or that the alerts are irrelevant. The FI should conduct a thorough and timely investigation of the alerts and document the rationale for filing or not filing a SAR/STR. The FI should also consider the overall risk profile of the client and the nature and frequency of the transactions.
References:
ACAMS Study Guide for the CAMS Certification Examination - 6th Edition, Chapter 3: AML Programs, Section 3.2: AML Program Components, Subsection 3.2.2: Risk Assessment, pp. 77-79 FFIEC BSA/AML Examination Manual, Section: Assessing Compliance with BSA Regulatory Requirements, Subsection: Suspicious Activity Reporting, pp. 4-5 Answers to Frequently Asked Questions Regarding Suspicious Activity Reporting and Other Anti-Money Laundering Considerations, Question 2, pp. 2-3
질문 # 576
A Financial Intelligence Unit (FIU) in a country has received a Suspicious Activity Report (SAR) involving significant suspicious fund transfers, both domestically and internationally. The FIU requires additional information from a foreign country to determine whether the matter needs to be referred for prosecution locally.
Which of the following statements is true in this scenario?
정답：C
설명：
Cross-border AML investigations require cooperation through official channels, such as the Egmont Group.
Option D (Correct): The Egmont Group is an international network of FIUs that facilitates secure information exchange in financial crime investigations.
Option A (Incorrect): While sovereignty applies, formal international cooperation mechanisms exist.
Option B (Incorrect): AML cooperation is allowed under legal frameworks (e.g., MLATs, Egmont Secure Web).
Option C (Incorrect): Information-sharing is restricted to authorized government agencies, not all organizations.
질문 # 577
Which of the following employee behaviors would not trigger an AML red flag?
정답：B
설명：
While this behavior may warrant scrutiny in certain circumstances, it is not inherently suspicious or indicative of money laundering. In contrast, the other behaviors listed (living beyond one's means, excessive unresolved exceptions, and using company resources for personal gain) may suggest that an employee is engaging in or facilitating money laundering activity.
질문 # 578
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CAMS최고품질 덤프데모 다운로드: https://www.koreadumps.com/CAMS_exam-braindumps.html
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다행이네, 만약 그때, 중화상단으로 떠나는 시일이 조금이라도 늦었더라CAMS최신핫덤프면, 최 상궁도 자헌 도련님도 무사하지는 못하셨을 것이야, 소원이 어색하게 웃어 보지만 제윤의 표정은 딱딱하기만 할 뿐이었다, 만일 어떤 이유로 인해 고객이 첫 번째 시도에서 실패를 한다면, KoreaDumps는 고객에게ACAMS CAMS덤프비용 전액을 환불 해드립니다.환불보상은 다음의 필수적인 정보들을 전제로 합니다.
visa카드로 결제하시면 Credit Card에 자동으로 가입되기에 별도로 Credit Card에 가입하시지 않으셔도 됩니다, KoreaDumps의 ACAMS CAMS덤프는 ACAMS CAMS시험문제변경에 따라 주기적으로 업데이트를 진행하여 덤프가 항상 가장 최신버전이도록 업데이트를 진행하고 있습니다.구매한 ACAMS CAMS덤프가 업데이트되면 저희측에서 자동으로 구매시 사용한 메일주소에 업데이트된 최신버전을 발송해드리는데 해당 덤프의 구매시간이 1년미만인 분들은 업데이트서비스를 받을수 있습니다.
우리KoreaDumps 에서는 여러분들한테 아CAMS주 편리하고 시간 절약함과 바꿀 수 있는 좋은 대책을 마련하였습니다, 덤프파일의 세가지 버전.
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