最新なACAMS CAMS問題集（617題）、真実試験の問題を全部にカバー！

質問 1：
The training department is conducting awareness training for unusual customer identification scenarios. Which two indicators should be included? (Select Two.)
A. The customer's name and home address cannot be verified
B. The customer's internet protocol address does not match the identifying information provided during online registration.
C. The customer frequently exchanges small bills for large bills.
D. The customer opens the account in the name of a family member who begins making large deposits.
E. The customer requests payment of proceeds to an unrelated third party.
正解：A,D
解説: (Pass4Test メンバーにのみ表示されます)

質問 2：
On who does the ultimate responsibility for an institution's anti-money laundering program rest?
A. The government regulator examining the AML program
B. The institution's Board of Directors
C. All employees with customer contact
D. The designated AML Compliance Officer
正解：B
解説: (Pass4Test メンバーにのみ表示されます)

質問 3：
In accordance with Financial Action Task Force (FATF) standards, when the minimum AML requirements of the host country where a financial institution (Fl) operates are less strict than those of the Fl's home country, the Fl:
A. should always apply additional measures on their branches and majority-owned subsidiaries in host countries to manage the money laundering and terrorist financing risk overseas.
B. is required to impose more strict requirements on host country branches, disregarding if host country laws and regulation permit such action.
C. should close down its operations in the host countries where minimum AML requirements are less strict than those of the home country.
D. is required to ensure that their branches and majority-owned subsidiaries in host countries implement the requirements of the home country, to the extent that host country laws and regulations permit.
正解：D
解説: (Pass4Test メンバーにのみ表示されます)

質問 4：
A large financial institution (Fl) is considering expanding business to an area of the world with weak AML laws. The risk-based assessment indicates that the location will increase the Fl's risk appetite beyond the stated acceptable amount. Which risk factors should be used to identify the priority of the Fl?
A. Unknown third-party risks
B. Geographic risks
C. Anonymous transactions risks
D. Cash-intensive businesses risks
正解：B
解説: (Pass4Test メンバーにのみ表示されます)

質問 5：
What should an employee do after witnessing suspicious activity from a coworker?
A. Request help from colleagues in determining that the best course of action.
B. Escalate to the company's conflict line or compliance department.
C. Discuss the suspicious activity with your supervisor.
D. Request that the coworker provide justification for their actions.
正解：B
解説: (Pass4Test メンバーにのみ表示されます)

質問 6：
Outgoing foreign transactions of similar amounts trigger a monitoring alert for a customer's accounts. During the evaluation of the accounts, the bank discovers the wire transfers were very small amounts and occurred within the last 3 months following a long period of inactivity. The wire transfers appear to originate from legal sources. To assess the potential of terrorist financing, the institution must ensure the
A. beneficiaries of transfers are not included on the Transparency International List.
B. account holder does not reside in a country included on the U.S. State Department State Sponsors of Terrorism List.
C. beneficiaries of transfers are not on a terrorist watch list.
D. account holder presents proof the funds are legal.
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 7：
One area of responsibility for the Board of Directors when implementing a successful AML program is to:
A. hire a third-party firm to be responsible for the AML compliance.
B. create a culture of compliance based on the profit expectation.
C. ensure the appointment of a qualified chief AML officer.
D. manage the day-to-day processes of the compliance program.
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 8：
Which unusual or suspicious activity by a financial institution's (FI's) employee requires additional investigation and scrutiny?
A. The employee avoids taking periodic vacations despite having accrued vacation time.
B. The employee assists with transactions of a disclosed ultimate beneficiary.
C. The employee lives a lavish lifestyle within their means.
D. The employee is involved in a minimal number of unresolved exceptions.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 9：
An oil exploration company based in France does business with oil refineries in Iran, which is subject to comprehensive Office of Foreign Assets Control (OFAC) sanctions. What type of OFAC sanctions should be imposed against the French company?
A. List-based
B. Sectoral
C. Country-based
D. Secondary
正解：D