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CAMS模試エンジン & CAMS日本語版問題解説

無料でクラウドストレージから最新のJpshiken CAMS PDFダンプをダウンロードする：https://drive.google.com/open?id=1rvLJYIlD8EkrD8J6LDhIV0aIR0PP15Lk

ACAMSはコンテンツだけでなくディスプレイでも、CAMSテスト準備の設計に最新のテクノロジーを適用しました。結果として、あなたは変化する世界に歩調を合わせ、CAMSトレーニング資料であなたの利点を維持することができます。また、CAMS試験の重要な知識を個人的に統合し、カスタマイズされた学習スケジュールやCertified Anti-Money Laundering Specialists (the 6th edition)リストを毎日設計できます。最後になりましたが、アフターサービスは、CAMSガイド急流で最も魅力的なプロジェクトになる可能性があります。

CAMS認定試験は、AMLおよび金融犯罪防止の最高水準に対する候補者のコミットメントを実証しているため、世界中の雇用主と規制機関から高く評価されています。この試験では、AMLと金融犯罪防止の4つの重要な分野をカバーしています。リスク評価、顧客のデューデリジェンス、取引監視、および調査です。候補者は、4時間の時間制限内で120質問の多肢選択式試験に合格する必要があり、合格するには少なくとも75％を獲得する必要があります。 CAMS認定は3年間有効であり、認定を維持するには継続教育が必要です。

ACAMS CAMS試験は、AMLプロフェッショナルが知識とスキルを高め、キャリアを進めるために必要な認証です。この試験は難易度が高いですが、合格することのメリットは大きく、就職機会の増加、高い給与、AML分野の専門家としての認知度の向上などが挙げられます。

>> CAMS模試エンジン <<

素晴らしいCAMS模試エンジン一回合格-効率的なCAMS日本語版問題解説

この不安の時代には、誰もが大きなプレッシャーを感じているようです。あなたがより良いなら、あなたはよりリラックスした生活を送るでしょう。 CAMSガイド資料を使用すると、作業の効率を高めることができます。他のことにもっと時間をかけることができます。教材を使用すると、最短時間でCAMS試験に合格できます。あなたは他の人よりも高い出発点に立っています。なぜCAMSの練習問題が選択に値するのですか？ CAMS試験問題のデモを無料でダウンロードして、CAMS学習教材の利点をご理解いただければ幸いです。

CAMS資格を取得するためには、マネーロンダリング、テロ資金提供、その他の金融犯罪の検出や防止を含む、幅広いトピックをカバーする厳しい試験に合格する必要があります。試験は、複数の選択式問題から構成され、世界中のテストセンターでオンラインまたは対面で実施されます。また、試験を受験するためには、特定の教育や経験要件を満たす必要があります。

ACAMS Certified Anti-Money Laundering Specialists (the 6th edition) 認定 CAMS 試験問題 (Q784-Q789):

質問 # 784
The anti-money laundering compliance officer for a small money transmitter has several agent locations in the same geographic area in the United States. The customers are immigrants from Country A and the majority of the funds are remitted to Country A.
In a meeting with one of the agents, it is recently discovered that two new customers have been coming in three times a week and sending funds to the same recipient in Country B. Each cash transaction always totals exactly $8,000.
What should alert the agent to possible money laundering activity by the two customers?

A. They have been coming in three times a week
B. They remit funds to the same person
C. It is unusual for customers to remit to Country B
D. Each of their transactions is just below the cash reporting threshold

正解：D

解説：
This involves breaking down large amounts of cash into smaller transactions that are below the reporting threshold of $10,000 in the United States, in order to avoid detection and reporting by the financial institution.
Structuring is a red flag for money laundering and should be reported to the authorities as a suspicious activity.
The other options are not necessarily indicative of money laundering, as they could have legitimate explanations. For example, the customers may have a family or business connection to the same recipient in Country B, or they may have a regular need to send money three times a week.
References:
ACAMS CAMS Certification Video Training Course, Chapter 2: Money Laundering Risks and Methods, Section 2.2: Common Money Laundering Techniques Exam CAMS: Certified Anti-Money Laundering Specialist (the 6th edition), Question 91 CAMS Certification Package - 6th Edition, Study Guide, Chapter 2: Money Laundering Risks and Methods, Page 38

質問 # 785
What are some of the methods for sharing information and cooperating on an international basis? Choose 3 answers

A. Issuane subpoenas
B. Regulatory sharing through Supervisory Channels
C. International Money Laundering Information Network
D. Mutual Assistance Legal Treaties

正解：B、C、D

質問 # 786
An employee hears a colleague on the telephone with a customer giving advice on how to ensure that a suspicious transaction report will not be filed as a result of a future transaction.
What action should the employee take?

A. Report the conversation to the local police
B. Tell the colleague that it is against policy to give such advice
C. Report the conversation to the compliance officer
D. Ignore the situation because the colleague is the relationship manager for that customer

正解：C

解説：
According to the Anti-Money Laundering Specialist (the 6th edition) resources, the employee should report the conversation to the compliance officer because the colleague is engaging in tipping off, which is a serious violation of anti-money laundering laws and regulations. Tipping off is the act of informing a person or entity that they are the subject of a suspicious transaction report or an investigation, or providing any information that may compromise or impede the investigation. Tipping off can result in criminal penalties, civil liabilities, and disciplinary actions for the individual and the institution. Therefore, the employee has a duty to report the colleague's misconduct to the compliance officer, who is responsible for ensuring compliance with the anti-money laundering policies and procedures, and taking appropriate corrective actions.
References:
CAMS Certification Package - 6th Edition | ACAMS, Chapter 3: Compliance Standards for Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT), page 97 CAMS Certifications: How to Get CAMS Certified | ACAMS, CAMS Examination Preparation, page 8 ACAMS CAMS Certification Video Training Course - Exam-Labs, Module 3: Compliance Standards for Anti-Money Laundering and Combating the Financing of Terrorism, video 3.4: Tipping Off and Confidentiality Exam CAMS: Certified Anti-Money Laundering Specialist (the 6th edition), Question 8, Answer B

質問 # 787
A bank account is established for a new business customer. The business was established five years ago with an address in another state. The business website contains few details other than stating it is a real estate business.
One principal has an international telephone number and appears to be living in another country. The other principal works out of a recreational vehicle.
What warrants enhanced due diligence in this scenario?

A. Human trafficker
B. Money laundering through real estate
C. Shell company
D. Politically exposed person

正解：B

解説：
Money laundering through real estate is a common method of disguising the source and ownership of illicit funds. Real estate transactions often involve large amounts of money, complex legal structures, and cross- border transfers, which can obscure the true nature and origin of the funds. The new business customer in this scenario raises several red flags that warrant enhanced due diligence, such as:
* The business was established five years ago but has a vague website and no physical presence in the state where it is registered.
* One of the principals has an international phone number and lives abroad, which could indicate a foreign shell company or a politically exposed person.
* The other principal works out of a recreational vehicle, which could suggest a lack of legitimate business activity or income.
* The business claims to be a real estate business, but does not provide any details about its projects, clients, or partners.
These factors suggest that the business may be involved in money laundering through real estate, either by purchasing properties with illicit funds, using properties to generate illegal income, or selling properties to launder money. Therefore, the financial institution should conduct enhanced due diligence to verify the identity, background, and source of funds of the business and its principals, as well as the purpose and nature of the account relationship.
ACAMS Study Guide for the CAMS Certification Examination - 6th Edition, Chapter 2: Money Laundering Risks and Methods, pp. 46-47 Enhanced Due Diligence in Construction and Real Estate, by James Swenson, Ethixbase 360 Due Diligence & Legal Considerations in Commercial Real Estate, by Justia

質問 # 788
What are three potential issues for foreign financial institutions maintaining correspondent accounts with U.S.
banks under the Patriot Act? Choose 3 answers

A. Forfeiture of funds in a U.S. interbank account
B. Prohibition of correspondent accounts for shell banks
C. U.S. residents maintaining private banking accounts
D. Cancellation of correspondent banking relationships

正解：A、B、D

解説：
The Patriot Act, enacted in 2001, introduced several provisions to enhance the anti-money laundering and counter-terrorist financing (AML/CFT) measures for U.S. banks and their foreign correspondent relationships.
Some of the potential issues for foreign financial institutions (FFIs) maintaining correspondent accounts with
U.S. banks under the Patriot Act are:
* Cancellation of correspondent banking relationships: The Patriot Act requires U.S. banks to conduct due diligence and enhanced due diligence on their foreign correspondent accounts, and to terminate any account that poses a significant risk of money laundering or terrorist financing. This may result in the cancellation of correspondent banking relationships with FFIs that do not meet the U.S. standards or cooperate with the U.S. authorities. The loss of correspondent banking relationships may affect the FFIs' ability to access the U.S. financial system and provide services to their customers.
* Forfeiture of funds in a U.S. interbank account: The Patriot Act authorizes the U.S. government to seize and forfeit any funds in a U.S. interbank account that are involved in or traceable to money laundering or terrorist financing activities. This means that FFIs may face the risk of losing their funds in a U.S.
interbank account if they or their customers are suspected or accused of engaging in illicit activities.
The forfeiture of funds may have significant financial and reputational consequences for the FFIs and their customers.
* Prohibition of correspondent accounts for shell banks: The Patriot Act prohibits U.S. banks from establishing or maintaining correspondent accounts for shell banks, which are banks that have no physical presence in any country and are not affiliated with a regulated financial group. This means that FFIs that are shell banks or have relationships with shell banks cannot access the U.S. financial system through correspondent accounts. The prohibition of correspondent accounts for shell banks aims to prevent the use of shell banks as vehicles for money laundering and terrorist financing.
References:
* CAMS Study Guide, 6th Edition, Chapter 4: Compliance Standards for Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT), pp. 81-841
* USA PATRIOT Act, Title III: International Money Laundering Abatement and Anti-Terrorist Financing Act of 2001, Sections 312, 319, and 3132
* Wolfsberg Anti-Money Laundering Principles for Correspondent Banking, October 2014, pp. 3-43 Reference: http://www.ffiec.gov/bsa_aml_infobase/pages_manual/olm_027.htm

質問 # 789
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CAMS日本語版問題解説: https://www.jpshiken.com/CAMS_shiken.html

P.S. JpshikenがGoogle Driveで共有している無料かつ新しいCAMSダンプ：https://drive.google.com/open?id=1rvLJYIlD8EkrD8J6LDhIV0aIR0PP15Lk