ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) 認定 CAMS7 試験問題:

1. Which of the below statements are supported by the Financial Action Task Force (FATF) 40 Recommendations adopted in 2012? (Select Two.)

A) Nations should take measures to ensure there is transparency to the beneficial ownership of legal persons.
B) Governments must work toward developing identical administrative and operational frameworks for investigating and prosecuting crime.
C) Nations should work towards implementing targeted financial sanctions in alignment with the UN Security Council.
D) Nations should establish frameworks that take a risk-based approach to prevent and mitigate money laundering and terrorist financing.
E) Customer privacy regulations should guide the development of due diligence and other money laundering and terrorist financing preventive measures.
F) Regulators should direct Financial Institutions to establish appropriate frameworks to avoid banking higher risk customers.

2. According to the Financial Action Task Force (FATF). potential risk indicators related to money laundering proceeds from environmental crimes include. (Select Two.)

A) small cash transfers from cash-Intensive businesses to beneficiaries in areas known as a source of gold mining, illegal logging, and Illegal land clearing.
B) unexplained wealth and cash transfers involving senior officials or politically exposed persons for their family members) with a position of responsibility related to the management or preservation of natural resources.
C) frequent payments from companies in the logging. milling, or waste trade sectors to individuals or beneficiaries unrelated to the legal parson activity or business.
D) waste management sector companies based in high-risk jurisdictions with payments or trade invoices tor types of waste aligned with those they are authorized to process.

3. The United Nations Security Council (UNSC) is empowered to impose sanctions regimes against countries and terrorist organizations. Which statements are true regarding sanctions imposed by the UNSC? (Select Two.)

A) Member countries of the United Nations are expected to implement and enforce sanctions imposed by the UNSC
B) The UN can impose arms embargoes but cannot prohibit direct or indirect exports of other goods to specific countries
C) Attempts to circumvent or evade sanctions imposed by the UNSC can constitute a criminal offense if designated under local laws and regulations
D) Direct breaches of sanctions imposed by the UNSC constitute a criminal offense in all member countries

4. A large international bank is conducting a comprehensive review of its risk management framework to ensure it effectively addresses various financial crime risks, including AML, CFT, sanctions, fraud, anti-bribery and corruption (ABC), and tax evasion.
The bank's compliance team is responsible for evaluating the current risk assessment processes, identifying potential gaps, and recommending enhancements to better mitigate these risks.
During this review, the team needs to consider the different types of risk assessments and how to integrate findings into the overall risk management strategy.
Which approach should the compliance team prioritize to enhance the bank's ability to identify, assess, and mitigate the identified risks?

A) Use a static risk assessment model that remains unchanged until a significant regulatory update occurs to ensure consistency in the evaluation process over time
B) Focus primarily on AML risk assessments, as these are typically the most scrutinized by regulators, while addressing other financial crime risks only when issues are identified
C) Delegate the risk assessment process to individual business units to conduct independently and allow for specialized assessments tailored to each unit's specific activities
D) Conduct a periodic enterprise-wide risk assessment that includes identifying inherent risks, evaluating the effectiveness of existing controls, and determining residual risks

5. News published in Country A reports that a politically exposed person (PEP) had received a bribe from a transnational company headquartered in a developing country of approximately USS1.5 million deposited into on account at a financial institution (Fl> located in Country B Both countries are members of the Egmont Group The account where the money was deposited belongs to the PEP's immediate family member. To corroborate the facts, the PIU of Country A sent a formal request via secure communication channels for further information from its counterpart FIU in Country B. According to Egmont principles, the FIU of Country B can:

A) deny the request if the FIU of Country B has not received a suspicious activity report (SAR) from the Fl where the account was opened.
B) provide the information available to them because the exchange is between two FlUs that are members of the Egmont Group, and the formal request was made using secure communication channels.
C) direct the FIU of Country A to the Fl where the account was opened for further information.
D) provide the requested information only if a memorandum of understanding (MoU) is signed between Country A and Country

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