[2025年04月21日] 有効なAdvanced-CAMS-Auditテスト解答Advanced-CAMS-Audit試験PDF問題を試そう
有効なAML Certifications Advanced-CAMS-Audit問題集はあなたの合格を必ず保証します
ACAMS Advanced-CAMS-Audit 認定試験の出題範囲：
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質問 # 51
Which statements demonstrate an effective use of risk appetite in an organization? (Select Two.)
- A. Determining risk appetite should include a discussion about an organization becoming overly risk- averse.
- B. Risk appetite statements should remain stable and consistent, even in changing business conditions.
- C. When discussing and managing risk, "risk appetite" and "risk tolerance" can be used interchangeably.
- D. Risk appetite statements do not need specific indicators to alert management when the level of acceptable risk is exceeded.
- E. Analyzing risk appetite statements is important to reaching a meaningful articulation of risk appetite.
正解：A、E
質問 # 52
When evaluating an AML training program tor CFT functions the auditor should verify that:
- A. ethics training has been delivered to senior management.
- B. attendees have completed post-course surveys.
- C. tailored training has been provided to AML and CFT staff.
- D. interns and third parties are not included.
正解：C
解説：
These answers are aligned with best practices and principles outlined in FATF recommendations and the context of AML/CFT risk management and training standards. If further detailed references are required, feel free to ask!
質問 # 53
Which are key responsibilities of internal auditors? (Select Two.)
- A. Acting as a catalyst for improvement
- B. Evaluating the management of risk
- C. Mitigating the risks facing the organization
- D. Implementing controls and other safeguards
- E. Determining appropriate risk appetite of the entity
正解：A、B
解説：
Evaluating the Management of Risk:
* Internal auditors assess the effectiveness of risk management strategies to ensure alignment with organizational goals and regulatory expectations.
Acting as a Catalyst for Improvement:
* Auditors provide insights and recommendations to enhance controls and improve overall risk management practices.
CAMS-Audit Emphasis:
* CAMS-Audit outlines the dual role of internal auditors in evaluating and facilitating risk management improvements.
質問 # 54
Review of client files reveals that staff members have been performing negative media searches for clients only when they recognize the client name. When an interesting story is identified a print of the results is inserted in the client file. There are no clear procedures on adverse media screening. Which should the auditor recommend? {Select Two.)
- A. Identification of relevant reports via adverse media searches must be escalated for an assessment for materiality.
- B. All staff members should be provided with additional training to ensure they adhere to standard procedures.
- C. Privacy regulation requires that clients who have a print copy of the adverse media m their files should be notified.
- D. Procedures should be enhanced to require that all clients are subject to regular negative media screening.
- E. Evidence of negative media screening retained in client files must comprise negative reports only.
正解：B、D
解説：
Adverse Media Screening Requirements:
* Negative media screening is a critical part of customer due diligence (CDD) as highlighted in FATF Recommendation 10. Proper training ensures staff apply consistent procedures.
* Regular screening of all clients ensures ongoing monitoring of risks, aligning with the risk-based approach mandated by AML standards.
Key Compliance Justification:
* Staff training and procedural updates mitigate the risk of inconsistent adverse media identification, a key finding in compliance audits.
質問 # 55
Which can be excluded from an audit report?
- A. The risk or control framework or other criteria used as a basis for the overall opinion
- B. Overall opinions, judgments or conclusions reached in prior audit reports
- C. The scope, including the time period to which the opinion pertains
- D. The overall opinion judgment, or conclusion reached
正解：B
解説：
Exclusion from Current Audit Reports:
* Prior conclusions are relevant for context but do not belong in the current report, which should focus on new findings and opinions.
Other Options:
* The risk framework, scope, and current conclusions are integral to the current audit report.
質問 # 56
An audit determines that an important control is not being performed. The operational manager responds to the audit comment stating that they do not have adequate resources in the department to accomplish this task.
The audit item discussion between the auditor and the operational manager is a(n):
- A. internal control test.
- B. root cause analysis
- C. general license authorizing a transaction for an entity, and a specific license authorizing a transaction for an individual.
- D. sustainability assessment.
正解：B
解説：
Nature of Discussion:
* Root cause analysis is required to identify underlying reasons for the failure to perform the control, particularly resource constraints.
Key Compliance Justification:
* Addressing the root cause aligns with Basel Committee guidelines on improving control environments and addressing systemic issues in AML compliance.
質問 # 57
Suspicious activity report testing in the last three audits did not identify any metrics to indicate that volume vanes dramatically each month. Which step should the auditor take next?
- A. Review within the IT audit.
- B. Include the lack of metrics as a deficiency in the reporting.
- C. Assign to continuous monitoring.
- D. Escalate the finding regarding the lack of metrics to the board of directors.
正解：B
解説：
Deficiency in Reporting Metrics:
* AML compliance frameworks require metrics to track trends and unusual patterns in suspicious activity reports (SARs). A lack of such metrics is a deficiency that undermines monitoring and oversight.
Why This is the Appropriate Step:
* Identifying and documenting deficiencies ensures accountability and facilitates corrective action, aligning with AML audit standards.
質問 # 58
A recent regulatory examination identified serious deficiencies in the AML program. Which action should the organization take first?
- A. Change the designated head of AML compliance and request the newly appointed head of AML compliance produce a remediation plan.
- B. Enhance the ongoing employee training program so that employees are aware of their respective AML roles and responsibilities.
- C. Engage a qualified third party to review the deficiencies and assist in developing a remediation plan.
- D. Initiate a request for proposals for new AML systems and solutions.
正解：C
解説：
Response to Deficiencies:
* Engaging a third party ensures an independent, expert evaluation of deficiencies and the creation of a robust remediation plan.
* This aligns with regulatory expectations for addressing material AML program weaknesses effectively.
質問 # 59
What should the auditor look for to assess the adequacy of controls for non-profit organizations that are vulnerable to terrorist financing (TF) abuse? (Select Two.)
- A. Exploitation of legitimate entities as conduits for TF for the purpose of escaping asset-freezing measures
- B. Concealing of the secretive diversion of funds intended for legitimate purposes to terrorist organizations
- C. Testing of the customer's identifying information using reliable and independent source documents
- D. The overall volume of cash deposit reporting for the quarter
- E. Ongoing due diligence on the business relationship and scrutiny of transactions undertaken throughout the course of that relationship
正解：B、E
解説：
A: Ongoing Due Diligence: FATF Recommendations emphasize the need for ongoing monitoring and due diligence of NPOs to detect and prevent misuse for terrorist financing.
C: Diversion of Funds: Identifying and mitigating risks of fund diversion to terrorist organizations is a critical component in evaluating NPO vulnerabilities.
質問 # 60
Audits are designed to provide assurance that what key aspect of risk management framework is adequately designed and functioning effectively?
- A. Controls
- B. Procedures
- C. Reporting
- D. Risks
正解：A
解説：
Audits are primarily designed to evaluate the adequacy and effectiveness of controls within a risk management framework. This includes assessing whether the controls are properly designed and functioning to mitigate identified risks effectively.
CAMS-Audit guidance highlights the critical role of controls in ensuring compliance with AML/CFT regulations and managing operational risks.
質問 # 61
If a final audit communication contains a significant error, the chief audit executive must:
- A. report the error to the local AML regulator.
- B. recall the audit report assess the error and resubmit the correct one.
- C. reevaluate the item(s) and resubmit findings for discussion on factualaccuracy.
- D. tell those who received the communication of the error and corrections.
正解：B
解説：
A significant error in an audit report undermines the credibility of the findings. The appropriate action is to recall the report, reassess the error, and submit an accurate report to stakeholders. This ensures integrity and compliance with audit standards.
質問 # 62
Which are objectives of the issue confirmation step in the audit issue management process? (Select Two.)
- A. Findings ate explained and assigned to the accountable owners.
- B. Findings ate clearly written and facts are accurate
- C. Communication, follow-up. and documentation are tracked on scheduled sustainability validations.
- D. Additional remediation is identified and planned.
- E. Compliance Identifies and schedules pre-exam validation as appropriate.
正解：A、B
解説：
Key Objectives of Issue Confirmation:
* Findings need to be clearly articulated and assigned to ensure accountability and actionable remediation.
* Accurate documentation ensures that facts are not disputed and remediation can proceed efficiently.
Irrelevant Options:
* B:Additional remediation is a later step in the issue resolution process.
* D and E:Tracking and pre-exam validation relate to follow-up stages, not the initial confirmation step.
質問 # 63
Which recommendation should the audit team provide to address transaction monitoring (TM) issues?
- A. Apply the same thresholds across all client types to ensure alignment of risk coverage.
- B. Provide training for first-line staff on how to review and disposition TM alerts.
- C. Switch off those detection scenarios that are producing too many false positives.
- D. Perform a coverage assessment of the current suite of TM detection scenarios against the bank's money laundering and terrorist financing risks
正解：D
解説：
Importance of Coverage Assessment:
* Coverage assessment ensures that the TM scenarios address the full spectrum of identified money laundering (ML) and terrorist financing (TF) risks relevant to the organization.
* This aligns with FATF Recommendations on risk-based approaches and the effectiveness of transaction monitoring systems.
Key Reference Justification:
* Basel Committee guidelines stress that financial institutions must regularly review their transaction monitoring coverage to ensure alignment with the risk landscape.
質問 # 64
What is the role of the internal audit in the governance process?
- A. Monitor the risks of noncompliance with applicable laws and regulations.
- B. Perform quality assurance testing of transaction monitoring.
- C. Execute the corrective action plan.
- D. Periodically evaluate the effectiveness of processes and controls.
正解：D
解説：
Role of Internal Audit:
* Internal audit is tasked with evaluating and improving the effectiveness of governance, risk management, and control processes within the organization.
* Periodic evaluations ensure that AML/CFT processes remain robust and effective against emerging risks.
Alignment with CAMS-Audit Guidance:
* Advanced CAMS-Audit training highlights the need for internal audit to focus on process effectiveness rather than operational responsibilities, such as quality assurance or corrective actions.
質問 # 65
Which should the external auditor recommend to ensure that the institution did not facilitate transactions involving a sanctioned person?
- A. Periodically monitor the sanctions lists uploaded by the screening tool to ensure the most up-to-date lists are in the system.
- B. Re-screen all transactions over the period of time when the updated sanction lists were not uploaded against the current sanctions lists.
- C. Perform a security risk and access assessment on the sanction screening tool to ensure more timely sanctions lists are uploaded.
- D. Re-screen all transactions based on the sanctions lists that were active at that time but not uploaded.
正解：B
解説：
Recommended Action:
* Re-screening ensures compliance with sanctions and identifies potential violations retrospectively. This is a critical regulatory requirement for addressing gaps in screening coverage.
FATF and Basel Guidelines:
* Emphasize retrospective reviews in cases of system lapses to maintain the integrity of the sanctions compliance program.
質問 # 66
Which factors should be taken into consideration in designing a follow-up strategy when remedial action needs to be taken due to deficiencies identified in an AML audit?
- A. Reporting the breach and the regulatory response
- B. Target completion date and status update on remedial action
- C. Responsible action owner and internal audit commitment to follow up
- D. Available resources and board of directors' commitment
正解：B
解説：
In follow-up strategies, the focus should be on ensuring accountability and tracking progress. Establishing a target completion date and regularly updating the status of remedial actions ensures timely and effective resolution of deficiencies.
CAMS-Audit emphasizes tracking timelines and milestones for corrective actions to align with regulatory expectations and internal compliance frameworks.
質問 # 67
Which conclusion should the auditor make regarding the staff attendance of the periodic AML training program organized by the bank?
- A. Staff attendance is incomplete because the compliance officer or the delegates are not part of the staff facilitating the 3-hour periodic AML training.
- B. Staff attendance is complete because all staff in the institution are required to attend the AML training as part of the staff onboarding process.
- C. Staff attendance is complete because the training is mandatory for staff in the business, operations compliance and senior management whose duties involve knowledge of AML controls and processes.
- D. Staff attendance is incomplete because the board of directors is not part of the staff required to attend the periodic trainings, and there is no other specially designed AML training for the board.
正解：D
解説：
Importance of AML Training for All Levels of an Institution:
* Advanced CAMS-Audit and FATF emphasize that AML training programs should be inclusive of all stakeholders, including senior management and board members, as they are integral to establishing an effective AML/CFT compliance culture.
Board-Level Training Specifics:
* Directors require tailored AML training to address strategic oversight responsibilities rather than operational controls. Periodic training is mandatory to keep the board updated on regulatory changes and institutional risk profile adjustments.
Audit Observation:
* Exclusion of the board from AML training reflects a gap in the institution's AML framework, potentially exposing it to regulatory scrutiny.
Reference to AML/CFT Standards:
* FATF Recommendations mandate training for all levels of an institution, explicitly highlighting senior management and governance roles in compliance efforts.
質問 # 68
The auditor finds that thecustomer risk assessment (CRA) is completed at initial onboarding and is repealed for each customer every other year. The auditor's observations should Include that the CRA should:
- A. include an assessment of jurisdiction where the customer currently resides as this may have changed.
- B. include a qualitative overlay that 95% of the products offered are subject to regulatory exemptions.
- C. be updated more often given the risk of the entity.
- D. allow for sales oy third patties other than advisors since most of the customers are local residents.
正解：A
解説：
Dynamic Nature of Customer Risk Assessment (CRA):
* A comprehensive CRA should incorporate jurisdictional risks, as customer location changes could introduce new risks, such as exposure to high-risk or non-compliant jurisdictions.
FATF Recommendations on Risk-Based Approach:
* Periodic updates to the CRA, including changes in customer location, align with FATF's risk-based approach and Recommendation 10.
Audit Observation Implications:
* Omission of jurisdictional assessments could result in undetected risks, undermining the integrity of the AML program.
質問 # 69
in addition to this investigation report, what Information should the auditor expect to find in the investigative file? (Select Two.)
- A. Independent review by the compliance officer's line manager.
- B. Historical transaction data of the customer s account.
- C. Policies and procedures relating to AML investigations and suspicious activity report filing.
- D. Adverse news search results against the customers and its controlling persons.
- E. Board approval for the suspicious activity report filing by the compliance department.
正解：B、D
解説：
Adverse news provides context on potential risks associated with the customer, while historical transaction data is critical for understanding patterns that may indicate suspicious activity.
質問 # 70
The company has automated the completion of the customer risk assessment (CRA) into its main customer relationship management (CRM) system The CRM has needs recording the overall risk level assessed (Standard. Enhanced), the ID number of the staff member who completed the assessment, and me date of the last assessment Which additional fields should the auditor recommend to document the CRA process? (Select Three.)
- A. Type of customer (Trust. Company Individual)
- B. Risk factors (Y/N. if Y please specify)
- C. Age (Years)
- D. Residence (Country)
- E. Annual premium (S)
- F. Photo ID taken (Passport Driver's License. Other)
正解：A、B、D
解説：
Enhancements to the CRA Process:
* Risk Factors:Identify and document specific risk indicators for transparency and consistent assessment. This ensures alignment with the risk-based approach advocated by FATF.
* Type of Customer:Differentiating customer types (trust, company, individual) is critical for tailoring due diligence measures to the unique risks associated with each type.
* Residence (Country):Tracking customer jurisdiction ensures risk assessments reflect geopolitical and regulatory changes, fulfilling FATF compliance expectations.
Role of Additional Fields in Compliance:
* These fields enhance traceability, accountability, and risk profiling, ensuring the CRA process is comprehensive and meets regulatory standards.
Advanced CAMS-Audit Guidance:
* Documentation must be detailed and periodically reviewed to address evolving AML risks effectively, as recommended by CAMS-Audit guidelines.
質問 # 71
When reviewing an entity's sanctions compliance program, the auditor should ensure who is exempt from the Office of Foreign Assets Control's regulations?
- A. Non-US citizens residing in the US
- B. US citizens residing outside the
- C. Non-US entities having branches outside the US
- D. US entities having branches outside the US
正解：A
解説：
Exemptions from OFAC Regulations:
* Non-US citizens residing in the US are typically subject to OFAC regulations unless explicitly exempted. However, understanding exemptions is vital for sanctions compliance.
Auditor's Role in Sanctions Compliance:
* Auditors must review whether the entity's compliance program correctly identifies and exempts individuals or entities as per OFAC guidelines.
CAMS-Audit Reference:
* CAMS-Audit recommends thorough reviews of sanctions compliance programs, focusing on adherence to OFAC requirements and exemptions.
質問 # 72
A financial institution utilizes an automated daily validation report to validate the accuracy of the data flowing into its monitoring software. An auditor is responsible for testing the data used to create the report. This is an example of testing which type of effectiveness?
- A. Design
- B. Program
- C. Software
- D. Operating
正解：D
解説：
Testing Operating Effectiveness:
* Operating effectiveness testing evaluates whether controls and systems are functioning as intended on a daily basis, including the accuracy and reliability of automated validation processes.
Relevance to Data Validation:
* The auditor's role in this scenario ensures that the data flowing into the monitoring software is accurate and aligned with operational requirements, reflecting day-to-day effectiveness.
CAMS-Audit Emphasis:
* The emphasis on ongoing operational validation is consistent with Advanced CAMS-Audit practices, which stress continuous monitoring of AML system effectiveness.
質問 # 73
Which does a financial institution (FI) need to do when outsourcing an independent audit?
- A. Investigate whether the audit firm has conducted prior audits with the Fl.
- B. Ensure that the scope of the audit and the experience of the auditors match the needs of the Fl.
- C. Choose an audit firm based on price consideration and geographic location.
- D. Select an audit firm based on recommendations from the AMI compliance officer.
正解：B
解説：
Selecting an Audit Firm:
* The scope and expertise of the audit firm must align with the institution's risk profile and regulatory requirements to ensure the audit's effectiveness.
Best Practices in Outsourced Audits:
* Properly scoping and selecting auditors with relevant AML/CFT experience ensures compliance and minimizes operational risks.
CAMS-Audit Guidance:
* Advanced CAMS-Audit emphasizes the importance of tailoring audit scopes and selecting experienced auditors for outsourced engagements.
質問 # 74
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