[2026] ACAMS Certified Anti-Money Laundering Specialists (the 6th edition)

문제1

Which of the following entities could potentially pose a higher money laundering risk and require additional review prior to onboarding? (Select Two.)

A. A local convenience store that replenishes the onsite automated teller machine (ATM) with cash from its till

B. A virtual asset service provider (VASP), facilitating peer-to-peer cryptocurrency transactions

C. A local used car sale lot that allows individuals to pay their monthly bill in cash

D. A large multinational corporation with extensive, documented wire transfer activity

정답: B,C

설명: (Fast2test 회원만 볼 수 있음)

문제2

Which of the following represents the first Financial Action Task Force initiative?

A. The Report on Non-Cooperative Countries and Territories

B. The Report on Money Laundering Typologies

C. The Special Recommendations on Terrorist Financing

D. The 40 Recommendations on Money Laundering

정답: D

설명: (Fast2test 회원만 볼 수 있음)

문제3

Which of the following are considered best practices for effective AML/CFT training programs? (Select Three.)

A. Training should always be provided by an independent third party.

B. Training should cover practical examples, use case studies, and provide information on how to comply with policies.

C. Up-to-date records including logs of training and completion dates should be maintained.

D. Training should be broad, high level, and not role-specific in order to reach the largest audience.

E. Training should cover the consequences of not complying with policies and procedures.

정답: B,C,E

설명: (Fast2test 회원만 볼 수 있음)

문제4

Which of the following is an important factor to consider when setting up an anti-financial crimes (AFC) compliance program governance structure?

A. Ensuring the structure is reviewed by an outside auditor or consultant

B. Designating a qualified board of directors to monitor day-to-day compliance

C. Establishing a system of internal controls commensurate with the institution's size and complexity

D. Establishing clear roles and responsibilities for AFC risk escalations and issues

정답: D

설명: (Fast2test 회원만 볼 수 있음)

문제5

Which action should countries take related to the financing of terrorist acts in accordance with the Financial Action Task Force 40 Recommendations?

A. Criminalize

B. Oppose

C. Sanction

D. Prosecute

정답: A

설명: (Fast2test 회원만 볼 수 있음)

문제6

A law enforcement official calls a bank inquiring about a customer who is currently under investigation. The law enforcement official requests information about the customer.
How should the bank respond?

A. Request a formal letter be submitted to verify the validity of the request

B. Inform the board of directors before responding to the request

C. Provide the requested information to help aid in the investigation

D. Confirm the customer is either a current or former customer

정답: A

설명: (Fast2test 회원만 볼 수 있음)

문제7

Why do organized crime groups often use front companies? (Choose two).

A. Because using multiple front companies can make it easier to control an entire sector of the economy.

B. Because they can use the company's bank accounts to comingle deposits with those of legal businesses.

C. Because they are not registered, front companies are not subject to income and other sales taxes.

D. Because front companies generally charge higher prices than legitimate companies, so profit margins are higher.

E. Because they are generally subject to lighter due diligence requirements by banks and other financial services providers.

정답: A,B

설명: (Fast2test 회원만 볼 수 있음)

문제8

A country that does not have strong predicate offenses and is lax in prosecuting AML cases could suffer which social/economic consequence?

A. Loss of tax revenue

B. US sanctions

C. Reputation risk for the port

D. Increased organized crime and corruption

정답: D

설명: (Fast2test 회원만 볼 수 있음)

문제9

In addition to monitoring for suspicious activity, what are electronic monitoring systems also valuable for?

A. Highlighting the skills of the system analysts

B. Meeting mandatory regulatory requirements for system implementation

C. Identifying how customers are using products

D. Proving to the Board of Directors that the FIU is doing its job

정답: B

설명: (Fast2test 회원만 볼 수 있음)

문제10

Financial institutions (FIs) perform AML risk assessments to ensure:

A. satisfaction of the board of directors' approved risk appetite.

B. internal audit assurance that all AML-related policy and procedures are board approved.

C. proper controls surrounding higher-risk products, services, customers, and geographic locations.

D. a record for regulators indicating an AML risk assessment was completed at least once.

정답: C

설명: (Fast2test 회원만 볼 수 있음)

문제11

What should afinancial institution (FI) doin response to aformal law enforcement requestto produce documents?

A. Verify the officer's identification and ask for the law enforcement request to be served when theChief Executive Officeris available to sign for it.

B. Ask for an extension to review the FI'sprivacy policyandconfidentiality policybefore providing any information under the law enforcement request.

C. Designate a person responsible for theinternal investigationin preparation of documents for the request.

D. Keepsenior management informedat all times to strategically organize a defense toterminate the law enforcement request.

정답: C

설명: (Fast2test 회원만 볼 수 있음)

문제12

The local manager of a remote mortgage origination department of a financial institution has just discovered that sanctions screening of new customers is not being performed.
Which action should the local manager take in this situation?

A. Start screening new customers

B. Immediately inform senior management

C. Immediately inform the regulators

D. Do nothing because the department only handles a very small number of mortgages

정답: B

설명: (Fast2test 회원만 볼 수 있음)

문제13

Which are common types of economic sanctions? (Choose three.)

A. Technological sanctions

B. SWIFT network sanctions

C. Targeted sanctions

D. Comprehensive sanction

E. Supervisory sanctions

F. Sectoral sanctions

정답: C,D,F

설명: (Fast2test 회원만 볼 수 있음)

문제14

According to the Financial Action Task Force 40 Recommendations, Designated Non-Financial Businesses and Professionals include which entities?

A. Money services businesses

B. Commodities traders

C. Real estate agents

D. Hawala operators

정답: B

설명: (Fast2test 회원만 볼 수 있음)

문제15

A bank in an offshore jurisdiction approaches an institution about opening a new correspondent banking relationship. Prior to opening the account, the new account representative obtains copies of the offshore bank's anti-money laundering policies and procedures, and all appropriate legal documentation for the bank; ascertains no third parties will be able to access the accounts; and determines the owners of the bank, the bank's primary business activities, and the business address of the bank. Which of the following steps does the Basel Committee on Banking Supervision's Customer Due Diligence for Banks Paper recommend the banker take prior to opening Oils correspondent account?
1. Conduct a site visit and meet all the principals and beneficial owners in person.
2. Verify the bank has a physical presence in the country where it is incorporated.
3. Confirm the bank is subject to regulatory supervision with adequate anti-money laundering laws.
4. Obtain and maintain a complete listing of the correspondent bank's customers, including politically exposed persons.

A. 1 and 4 only

B. 2 and 3 only

C. 1 and 2 only

D. 3 and 4 only

정답: B

설명: (Fast2test 회원만 볼 수 있음)

ACAMS Certified Anti-Money Laundering Specialists (the 6th edition) - CAMS무료 덤프문제 풀어보기

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