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ACFCS Financial Crime Specialist 認定 CFCS 試験問題：

問題 #1

You are an investigator at a small bank Your transaction monitoring system alerts you to unusual activity happening in a business account for a consulting firm ABC Consulting.
The account activity consists of incoming wires from a personal account at another institution there are three to four incoming wires each week from one individual. The next day an outgoing check would be issued to the same person for a slightly larger amount with the memo "Wire reimbursement + fee " Web searches indicate that this person is employed by your customer ABC Consulting Additional activity consists of small cash deposits.
Which are Ihe red flags in this scenario? Choose 2 answers

A. Money being wired into this account from a personal account may constitute complying of funds
B. The customer does not appear to be operating a legitimate business
C. The customer is a marketing consulting firm which is always considered a high-risk industry
D. The customer may be layering transactions to conceal the source or purpose of funds

問題 #2

Ms. Garcia, the Chief Compliance Officer of a multinational bank, is reviewing the institution's sanctions compliance program. She wants to ensure that appropriate measures are in place to monitor and control transactions involving high-risk jurisdictions. Which of the following strategies would be most effective for Ms. Garcia to achieve this objective?

A. Conducting enhanced due diligence on all clients regardless of their jurisdiction.
B. Increasing transaction processing speed to minimize delays for clients from low-risk jurisdictions.
C. Implementing transaction monitoring systems that flag transactions involving high-risk jurisdictions for manual review.
D. Restricting all transactions with counterparties from high-risk jurisdictions to minimize exposure.

問題 #3

Your client is the victim of an investment fraud You traced the investment payments made by your client to XYX, Inc. Your research indicates XYX is incorporated in Delaware.
Which means are used to obtain beneficial ownership information from a state authority?

A. Petition the Delaware Court of Chancery to obtain details ol beneficial ownership
B. Contact the corporate Registered Agent and request a list of the shareholders
C. Contact the Delaware Secretary of State and request the list of corporate officers and directors
D. No beneficial ownership information is required to be obtained by the Delaware Secretary ol State

問題 #4

Mr. Johnson, the compliance officer of XYZ Bank, is conducting an organizational overview of financial crime controls. During his review, he notices discrepancies in the transaction monitoring process. What is the most appropriate action for Mr. Johnson to take next?

A. Discuss the discrepancies with the employees responsible for transaction monitoring.
B. Immediately report the discrepancies to senior management and the relevant authorities.
C. Ignore the discrepancies as they might be insignificant.
D. Wait for the next compliance audit to address the discrepancies.

問題 #5

You work in a federal government agency processing benefits for millions of people who meet a specified sell of conditions (e. g, age, business size, medical necessity). The requests for benefits are filed electronically. Knowing that Fraudsters often falsely claim eligibility you have been asked to recommend analytical solutions to reduce the fraud across the agency's operations.
Which analytical or investigative method would MOST effectively identify potential fraudsters at the agency's enterprise level of operations?

A. Check for negative news information about applicants
B. Partner will a law enforcement agency to review each applicant prior to paying any benefits
C. Proactively screen transactions or claim requests against established business rules or criminal patterns prior to payment
D. Begin reviewing historical tax information to possibly conduct an audit of all suspicious applicants

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