ACAMS CAMSテストエンジン練習テスト問題、試験問題集
100%無料CAMS日常練習試験には645問があります
質問 # 250
At a small community bank, the compliance officer identifies unusual activity on a customer, who with his personal and company accounts, is the bank's largest depositor. The customer's companies have significant balances on their outstanding loans. The compliance officer notices that there is a lot of unusual movements of money between the customer's individual and business accounts. After filing a suspicious transaction report (STR), the compliance officer gets a call from law enforcement indicating that they want the bank to keep the account open while they conduct an investigation into the customer.
How should the compliance officer escalate this information to the board of directors?
- A. By providing a copy of the letter from law enforcement asking the bank to keep the account open.
- B. By informing the regulator to bring it up with their next meeting with the board
- C. By providing a copy of the STR to the board
- D. By providing a high level summary of the activity and the interactions with law enforcement
正解：D
解説：
The compliance officer should provide a high level summary of the activity and the interactions with law enforcement to the board of directors, as this would be the most appropriate way to escalate the information without compromising the confidentiality of the STR or the ongoing investigation. Providing a copy of the STR or the letter from law enforcement could expose the bank to legal risks or jeopardize the investigation.
Informing the regulator to bring it up with the board would not be sufficient, as the compliance officer has the responsibility to report directly to the board on significant compliance issues.
References:
ACAMS CAMS Certification Video Training Course, Module 5: Risk Management, Lesson 5.3:
Reporting to Senior Management and the Board1
ACAMS CAMS Certification Study Guide, 6th Edition, Chapter 5: Risk Management, Section 5.3:
Reporting to Senior Management and the Board2
質問 # 251
What should be part of an institution's monitoring and STR filing process? Choose 3 answers
- A. Review of STR filing trends and typologies
- B. Review on a regular basis of all high-risk accounts and transactions
- C. Periodic training on the identification of red flags
- D. Requirement that the Board of Directors approve the filing of an STR
正解：A、B、C
質問 # 252
A customer runs an export business for agricultural products. There has been steady growth over the years from sales to the Caribbean region. A sudden increase is noted in this customer's account balances during the last month.
On what grounds should an anti-money laundering specialist prepare a suspicious transaction report?
- A. The increased activity is due to money order deposits.
- B. Travelers checks (cheques) were purchased for trips to a Non-Cooperative Countries and Territories.
- C. The client changed his address without advising the institution.
- D. Wire transfers are coming from a Financial Action Task Force member country.
正解：B
解説：
The customer activity that should trigger a suspicious transaction report is purchasing travelers checks (cheques) for trips to a Non-Cooperative Countries and Territories (NCCTs). This could indicate an attempt to evade currency reporting requirements, avoid sanctions or embargoes, or facilitate money laundering or terrorist financing through high-risk jurisdictions12. NCCTs are countries or territories that have been identified by the Financial Action Task Force (FATF) as having serious deficiencies in their anti-money laundering and counter-terrorist financing regimes, and that pose a threat to the international financial system3.
The other options are not necessarily grounds for a suspicious transaction report, although they may require further due diligence or monitoring depending on the customer profile and the nature of the transaction. For example:
* The increased activity is due to money order deposits. This could be a legitimate source of income for the customer's export business, or it could be a way of disguising the origin or destination of the funds. The anti-money laundering specialist should verify the identity and background of the customer and the issuers of the money orders, and check for any red flags or suspicious indicators4.
* Wire transfers are coming from a Financial Action Task Force member country. This could be a normal business practice, or it could be a sign of involvement in trade-based money laundering or other illicit activities. The anti-money laundering specialist should assess the customer's source of funds, business rationale, and market conditions, and monitor for any changes or inconsistencies.
* The client changed his address without advising the institution. This could be a simple oversight, or it could be a way of concealing the customer's true location or identity. The anti-money laundering
* specialist should update the customer's information, verify the new address, and check for any adverse media or sanctions.
References:
* ACAMS CAMS Certification Video Training Course - Exam-Labs3
* Exam CAMS: Certified Anti-Money Laundering Specialist (the 6th edition)4
* ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 1, page 11:
https://www.acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-1.pdf
* ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 2, page 29:
https://www.acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-2.pdf
* ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 4, page 77:
https://www.acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-4.pdf
* ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 5, page 97:
https://www.acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-5.pdf
質問 # 253
Which response represents a high-level principle for FATF-Style Regional Bodies (FSRB)?
- A. Reciprocity for effective participation and recognition of work
- B. Dependent with different experiences to strengthen the overall effort
- C. Access to documents and assistance with meetings
- D. Membership, mission, financial procedures, and budget
正解：A
解説：
Reference:https://www.fatf-gafi.org/media/fatf/documents/High-Level%20Principles%20and%20Objectives%20 (4)
質問 # 254
Release of the EU's Fourth AML Directive resulted in what change to member state*s procedures? (Select Two.)
- A. The threshold for reporting suspicious transactions decreased from 15,000 EUR to 10,000 EUR.
- B. Money laundering and terrorist financing were defined as separate crimes, expanding the directive's measures.
- C. Knowledge of criminal conduct could be inferred from objective factual circumstances.
- D. All financial institutions were required to identify and verify the beneficial owner of legal entities.
- E. The scope of obliged entities was enlarged from casinos to all providers of gambling services.
正解：A、D
解説：
Explanation
According to the Certified Anti-Money Laundering Specialist (the 6th edition), Section 2.2.2 The EU Fourth AML Directive, the release of the EU's Fourth AML Directive resulted in the threshold for reporting suspicious transactions decreasing from 15,000 EUR to 10,000 EUR (Answer A) and all financial institutions were required to identify and verify the beneficial owner of legal entities (Answer B). The directive also defined money laundering and terrorist financing as separate crimes, which expanded the directive's measures (Answer C). Answer D is incorrect as the scope of obliged entities was not enlarged from casinos to all providers of gambling services, but rather to all providers of payment services. Answer E is also incorrect as the directive does not provide that knowledge of criminal conduct can be inferred from objective factual circumstances. Reference: Certified Anti-Money Laundering Specialist (the 6th edition), Section 2.2.2 The EU Fourth AML Directive, p. 12.
質問 # 255
In many jurisdictions, financial institutions are prohibited from hiring a person who has been convicted of what type of offense?
- A. Offenses involving dishonesty
- B. Protests of government action
- C. Driving while under the influence
- D. Kidnapping
正解：A
解説：
Reference:http://www.capitol.hawaii.gov/hrscurrent/vol07_ch0346-0398/HRS0378/HRS_03780003.htm(See 9th point)
質問 # 256
Which of the following is the financial stage of money laundering?
- A. structuring
- B. off shoring
- C. placement
- D. integration
正解：C
解説：
According to the CAMS study guide, chapter 1, page 91, placement is the first stage of money laundering, where the illicit funds are introduced into the financial system. This stage involves the highest risk of detection, as the money launderers may use various methods to avoid suspicion, such as structuring, commingling, or using cash-intensive businesses. Placement is followed by layering and integration, which are the second and third stages of money laundering, where the illicit funds are moved and disguised through multiple transactions and entities, and then integrated into the legitimate economy as seemingly legal assets.
The other options are not the financial stages of money laundering, although they may be related to some aspects or techniques of money laundering. Option A, integration, is the final stage of money laundering, not the first. Option B, structuring, is a method of placement, not a stage of money laundering. Structuring, also known as smurfing, is the practice of breaking down large amounts of cash into smaller deposits or transactions to avoid reporting thresholds or scrutiny. Option C, off shoring, is a term that refers to the relocation of assets or activities to another jurisdiction, usually for tax or regulatory advantages. Off shoring may be used by money launderers to exploit the differences or loopholes between jurisdictions, but it is not a stage of money laundering.
References:
1: ACAMS CAMS Study Guide - 6th Edition, Chapter 1, page 9:
https://www.acams.org/wp-content/uploads/2019/09/ACAMS-CAMS-Study-Guide-6th-Edition-Chapter-1.pdf
質問 # 257
Which is the first valid step in the Mutual Legal Assistance Treaties (MLAT) international cooperation process?
- A. The investigator may remove the evidence collected without asking permission to do so.
- B. The central authority of the requesting country sends a commission letter of request to the central authority of the other country.
- C. An investigator from the requesting country visits the country where the information is sought and takes statements from the identified witnesses or suspects.
- D. The central authority that receives the request sends it to a local judicial officer to find out if the information is available.
正解：B
解説：
Mutual Legal Assistance (MLA) is a form of cooperation between different countries for the purpose of collecting and exchanging information and evidence in criminal matters. MLA is usually governed by bilateral or multilateral treaties that establish the procedures and requirements for requesting and providing assistance. The first valid step in the MLA process is to send a formal request from the central authority of the requesting country to the central authority of the requested country. The central authority is the designated entity that is responsible for making, receiving, and facilitating the execution of MLA requests. The request should contain the necessary information and documents to enable the requested country to assess and execute the request, such as the nature and purpose of the request, the legal basis, the description of the assistance sought, the identity of the persons involved, the applicable legal provisions, and the deadline for the response.
The request may also be accompanied by a commission letter of request, which is a judicial document that authorizes a foreign authority to perform certain acts on behalf of the requesting authority, such as taking evidence or statements from witnesses or suspects.
References:
* Guidelines on Mutual Legal Assistance in Criminal Matters, Section 1.1, 1.2, 1.3, 2.1, 2.2, 2.3, 2.4, 2.5,
2.6, 2.7, 2.8, 2.9, 2.10, 2.11, 2.12, 2.13, 2.14, 2.15, 2.16, 2.17, 2.18, 2.19, 2.20, 2.21, 2.22, 2.23, 2.24,
2.25, 2.26, 2.27, 2.28, 2.29, 2.30, 2.31, 2.32, 2.33, 2.34, 2.35, 2.36, 2.37, 2.38, 2.39, 2.40, 2.41, 2.42,
2.43, 2.44, 2.45, 2.46, 2.47, 2.48, 2.49, 2.50, 2.51, 2.52, 2.53, 2.54, 2.55, 2.56, 2.57, 2.58, 2.59, 2.60,
2.61, 2.62, 2.63, 2.64, 2.65, 2.66, 2.67, 2.68, 2.69, 2.70, 2.71, 2.72, 2.73, 2.74, 2.75, 2.76, 2.77, 2.78,
2.79, 2.80, 2.81, 2.82, 2.83, 2.84, 2.85, 2.86, 2.87, 2.88, 2.89, 2.90, 2.91, 2.92, 2.
Reference: https://www.unodc.org/documents/organized-crime/Publications
/Mutual_Legal_Assistance_Ebook_E.pdf
質問 # 258
The vice president of the foreign correspondent banking department at a large United States bank has been notified that a foreign bank with an offshore license wants to open a correspondent account.
Which two things must the vice president acquire under the USA PATRIOT Act? (Choose two.)
- A. A list of the types of businesses served by the correspondent bank
- B. A list of all the customers of the correspondent bank
- C. Information relating to the foreign bank's anti-money laundering program
- D. The identity of 10% owners of the correspondent bank, unless it is publicly traded
正解：C、D
質問 # 259
An AML compliance officer receives notice of government update including the names of the latest terrorists sanctioned by the United Nations Security Council. Which would be the most appropriate step to take?
- A. Update the monitoring software containing sanctioned persons
- B. Update training information to include the latest names
- C. Notify the Board of Directors
- D. Inform the customers that their funds will be frozen
正解：A
解説：
The most appropriate step for an AML compliance officer to take upon receiving notice of government update including the names of the latest terrorists sanctioned by the United Nations Security Council is to update the monitoring software containing sanctioned persons. This is because the AML compliance officer is responsible for ensuring that the financial institution does not engage in any transactions or business relationships with individuals or entities that are subject to sanctions, as this could expose the institution to legal, regulatory, and reputational risks. By updating the monitoring software, the AML compliance officer can ensure that the institution's screening and filtering systems are up to date and can flag any potential matches or hits with the sanctioned persons. This would also enable the AML compliance officer to take appropriate actions, such as blocking or freezing funds, reporting to the relevant authorities, and conducting further due diligence, if necessary.
References:
Anti-Money Laundering (AML) | FINRA.org, Overview.
AML Compliance Officer and Their Responsibilities - Tookitaki, Role and Responsibilities of an AML Compliance Officer.
What is an AML Compliance Officer? - Sanction Scanner, Communicate openly with the company's internal management team.
Guidance on Existing AML Program Rule Compliance ... - FinCEN.gov, Financial Institutions Toll-Free Hotline.
質問 # 260
An anti-money laundering specialist at a financial institution has received a legal request to provide all transaction records for a specific individual since 2004. Which three items should be delivered?
- A. Monthly statements and transaction activities for that individual since 2004
- B. All security trading activities for that individual since 2004
- C. Signature cards from accounts opened by that individual since 2004
- D. All wire transfer for that individual since 2004
正解：A、B、D
質問 # 261
Which two steps should a financial institution take when it receives a law enforcement request to keep an account open that may be associated with suspicious or criminal activity? (Choose two.)
- A. Stop filing suspicious transaction reports because law enforcement will be monitoring the account
- B. Ask for a written request from the law enforcement agency that defines the duration
- C. Maintain account records for at least five years after the request expires
- D. File a suspicious transaction report on the account owner(s)
正解：B、C
解説：
According to the Anti-Money Laundering Specialist (the 6th edition) study guide, when a financial institution receives a law enforcement request to keep an account open that may be associated with suspicious or criminal activity, it should take the following two steps:
Maintain account records for at least five years after the request expires. This is to ensure that the financial institution can provide evidence of its compliance with the law enforcement request and the applicable anti-money laundering regulations. The five-year retention period is based on the international standard set by the Financial Action Task Force (FATF) and adopted by many jurisdictions12.
Ask for a written request from the law enforcement agency that defines the duration. This is to protect the financial institution from potential liability and to clarify the scope and purpose of the law enforcement request. The written request should specify the time period for which the account should remain open, the reason for the request, the contact information of the law enforcement officer, and the legal authority for the request34.
References:
Anti-Money Laundering Specialist (the 6th edition) study guide, page 57 FATF Recommendation 11, paragraph 2 Anti-Money Laundering Specialist (the 6th edition) study guide, page 58 Money Laundering website, article on "Law Enforcement Requests to Keep Accounts Open"
https://www.fincen.gov/resources/statutes-regulations/guidance/requests-law-enforcement-financial-institutions-
質問 # 262
An anti-money laundering specialist has been asked to establish a compliance program to detect and prevent money laundering and terrorist financing. Which of the following should the anti-money laundering specialist consider in developing the program?
1. Funds for money laundering and terrorist financing are derived from illegal sources.
2. Related practices are used to conceal the nature of the funds.
3. The source and disposition of funds are similar.
4. Similar techniques are used to move funds.
- A. 3 and 4 only
- B. 2 and 4 only
- C. 1 and 3 only
- D. 1 and 2 only
正解：B
解説：
Money laundering and terrorist financing are both forms of financial crime that involve the movement of illicit funds. However, they differ in the source and purpose of the funds. Money laundering is the process of disguising the origin, ownership, or destination of funds that are derived from illegal activities, such as drug trafficking, fraud, or tax evasion. Terrorist financing is the provision or collection of funds, by legitimate or illegitimate means, for the purpose of carrying out terrorist acts. Therefore, the anti-money laundering specialist should consider the following factors in developing a compliance program:
Related practices are used to conceal the nature of the funds. Both money launderers and terrorist financiers use similar methods to hide the true identity, source, or destination of the funds, such as using shell companies, front organizations, complex transactions, cash couriers, or cryptoassets. A compliance program should include measures to identify and verify the customers, beneficial owners, and counterparties involved in the transactions, as well as to monitor and report any suspicious or unusual activities.
Similar techniques are used to move funds. Both money launderers and terrorist financiers use the same stages of placement, layering, and integration to move funds through the financial system. Placement is the introduction of illicit funds into the legitimate financial system, such as by depositing cash, purchasing assets, or transferring funds electronically. Layering is the separation of the funds from their source, such as by using multiple accounts, jurisdictions, or intermediaries. Integration is the re-entry of the funds into the legitimate economy, such as by investing in businesses, real estate, or securities. A compliance program should include measures to detect and prevent the movement of illicit funds through the financial system, such as by applying risk-based due diligence, record-keeping, and transaction limits.
References:
CAMS Certification Package - 6th Edition | ACAMS
CAMS Certifications: How to Get CAMS Certified | ACAMS
ACAMS CAMS Certification Video Training Course - Exam-Labs
Exam CAMS: Certified Anti-Money Laundering Specialist (the 6th edition)
質問 # 263
In May 2002, the Wolfsburg Principles on Private Banking were revised and included a section that prohibits the use of internal non-client accounts in a manner that would prevent officials from appropriate monitoring movements of funds or keep clients from being linked to the movement of funds on their behalf. What is another name for these internal, non-client accounts?
- A. Pay through accounts
- B. Concentration accounts
- C. Trust accounts
- D. Correspondent accounts
正解：B
質問 # 264
The USA PATRIOT Act requires United States (U.S.) financial institutions to collect certain information from non-U.S. banks that hold a correspondent account.
Which two pieces of information must a non-U.S. bank provide to its U.S. correspondent to enable them to comply with this requirement? (Choose two.)
- A. The name and address of a U.S. person who is authorized to receive service of legal process for the bank
- B. Prompt notice of any suspicious activity it detects on any customer who uses the correspondent account
- C. The name and address of all shell banks the bank maintains accounts for
- D. The name and address of all beneficial owners who own 25% or more of the bank
正解：B、D
質問 # 265
Based on studies executed by the Organization for Economic Cooperation and Development (OECD), which occupations are particularly vulnerable to the use of false identities and identity theft?
- A. Sea port officers
- B. Government officers
- C. Laborers
- D. Lawyers
正解：B
解説：
According to a report by the OECD, government officers are among the occupations that are particularly vulnerable to the use of false identities and identity theft. This is because government officers have access to sensitive and confidential information, such as personal data, tax records, social security benefits, passports, visas, and licenses. Identity fraudsters may target government officers to obtain or alter such information, or to impersonate them to access restricted areas or systems. Identity fraud involving government officers may facilitate tax evasion, money laundering, corruption, terrorism, and other crimes1.
Some examples of identity fraud schemes involving government officers are:
Rogue agents in the immigration services sector who issue fake or fraudulent documents, such as passports, visas, or residence permits, to facilitate the entry or stay of illegal immigrants, criminals, or terrorists12.
Corrupt tax officials who use false identities to create fictitious taxpayers or employers, or to modify tax records, to evade taxes or to claim fraudulent refunds or credits13.
Impostors who pose as government officers, such as police, customs, or revenue agents, to extort money or information from unsuspecting victims, or to access secure facilities or databases1 .
References:
REPORT ON IDENTITY FRAUD: TAX EVASION AND MONEY LAUNDERING
VULNERABILITIES
Identity Fraud and Immigration Services
Identity Theft and Tax Fraud
[Identity Theft and Government Impersonation Scams]
質問 # 266
Which transaction should result in a SAR/STR filing?
- A. A small business owner deposits checks totaling $9,950 USD on a daily basis without providing a legitimate purpose.
- B. A small business owner deposits $25,000 USD in cash proceeds with a business equipment bill of sale.
- C. A national food-chain restaurant with multiple cash transactions at various branch locations.
- D. A national food-chain restaurant makes multiple, anticipated cash transactions that are above the daily reporting threshold.
正解：A
解説：
Reference: https://aml-cft.net/library/suspicious-transaction-report-str-suspicious-activity-report-sar/
質問 # 267
Which unusual or suspicious activity by a financial institution's (FI's) employee requires additional investigation and scrutiny?
- A. The employee is involved in a minimal number of unresolved exceptions.
- B. The employee avoids taking periodic vacations despite having accrued vacation time.
- C. The employee lives a lavish lifestyle within their means.
- D. The employee assists with transactions of a disclosed ultimate beneficiary.
正解：B
解説：
an employee who avoids taking periodic vacations despite having accrued vacation time may be trying to conceal fraudulent or illegal activities that would be exposed in their absence. This is a common red flag for internal fraud and money laundering, as it indicates a lack of segregation of duties, internal controls, and oversight. Employees who engage in such behavior may also exhibit other signs of stress, defensiveness, or secrecy.
References:
Learn about red flags for internal fraud, section "An employee may be a higher internal fraud risk when a combination of the following red flags are present", bullet point 1: "Unwilling to share duties or take leave." Money Laundering Red Flags | Key Behaviours and Indicators, section "Employee Red Flags", bullet point 1: "Avoiding taking holidays or time off work." Top 10 AML Red Flags: Warning Signs and Financial Risks, section "AML Red Flags Categories", sub-section "Employee Red Flags", bullet point 1: "Avoiding taking vacations or sick leaves."
質問 # 268
Which activity associated with new or developing technologies does the Financial Action Task Force recommend financial institutions pay special attention to?
- A. Complex or unusually large transactions
- B. High volumes of cash transactions
- C. Non-face-to-face business relationships or transactions
- D. Financial intermediaries performing transactions for customers
正解：C
解説：
The Financial Action Task Force (FATF) recommends that financial institutions pay special attention to non- face-to-face business relationships or transactions when dealing with new or developing technologies. These include digital channels, online platforms, and virtual interactions. The increased use of technology for remote transactions poses unique risks related to customer identification, authentication, and due diligence. Financial institutions must implement robust controls to mitigate these risks and ensure compliance with anti-money laundering (AML) and counter-terrorist financing (CFT) requirements12.
References:
FATF Opportunities and Challenges of New Technologies for AML/CFT
FATF: New Technologies for AML/CFT
FATF Recommendation 15: New technologies
質問 # 269
Which situations would require a financial institution (FI) to update its ML/TF risk assessment? (Choose two.)
- A. When the institution faces a merger or acquisition
- B. When opening a sales point in a new location in the same city
- C. When new board members are elected
- D. When new products, services or customer types are introduced
- E. When the AML compliance team hires new employees
正解：A、D
解説：
According to the ACAMS CAMS Certification Study Guide (6th edition), a financial institution (FI) should update its ML/TF risk assessment when there are changes in its business activities, customer base, or operating environment that may affect its exposure to ML/TF risks1 Some examples of such changes are:
* When new products, services or customer types are introduced: New products, services or customer types may introduce new or increased ML/TF risks that the FI may not have previously considered or addressed. For example, offering online banking, prepaid cards, or cross-border remittances may create new opportunities for money launderers or terrorist financiers to exploit the FI's systems and processes. Therefore, the FI should assess the ML/TF risks associated with the new products, services or customer types and implement appropriate controls to mitigate them12
* When the institution faces a merger or acquisition: A merger or acquisition may result in the FI inheriting the ML/TF risks of the other entity, as well as the potential liabilities and reputational damage that may arise from any ML/TF issues or violations. Therefore, the FI should conduct a due diligence on the other entity's ML/TF risk assessment, policies, procedures, and controls, and identify any gaps or weaknesses that need to be addressed. The FI should also integrate and harmonize the ML
/TF risk assessment and compliance programs of the merged or acquired entity with its own13 References: 1: ACAMS CAMS Certification Study Guide (6th edition), page 32. 2: Money laundering
/terrorism financing risk assessment | AUSTRAC4 3: MONEY LAUNDERING & TERRORIST FINANCING (ML/TF) RISK ASSESSMENT METHODOLOGY5, page 4.
Reference: https://www.fatf-gafi.org/media/fatf/content/images/National_ML_TF_Risk_Assessment.pdf
質問 # 270
To deter money laundering through new accounts, a financial institution should:
- A. query owners' names against Financial Action Task Force databases.
- B. seek to determine the source of deposited funds.
- C. determine the beneficial owner(s) of the account.
- D. document the identity of the party opening the account.
正解：B、C、D
質問 # 271
A compliance officer at a small community bank has been asked to review existing customer onboarding policies and procedures to ensure they adequately address anti-money laundering risks.
How should customer due diligence be implemented?
- A. As applicable to customers that pose higher money laundering or terrorist financing risk
- B. With a one-time event conducted at initial customer onboarding
- C. With an annual compliance review and approval of customers
- D. As an ongoing activity that may vary commensurate with the risk profile of the customer
正解：D
質問 # 272
Which method do terrorist financiers use to move funds without leaving an audit trail?
- A. Cash couriers
- B. Casa de cambio
- C. Extortion
- D. Virtual currency
正解：A
解説：
Explanation/Reference: https://www.fatf-gafi.org/media/fatf/documents/reports/FATF%20Terrorist%20Financing%
20Typologies%20Report.pdf (24)
質問 # 273
......
CAMS認定試験は、リスク評価、顧客のデューデリジェンス、取引監視、制裁コンプライアンスなど、AMLに関連する幅広いトピックをカバーしています。この試験は、AMLの専門家の知識とスキルをテストし、マネーロンダリング活動を効果的に特定、防止、検出できるようにするように設計されています。試験は、4時間の時間制限内に完了する必要がある120の複数選択質問で構成されています。
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