最新なACAMS CAMS問題集（813題）、真実試験の問題を全部にカバー！

質問 1：
According to the Financial Action Task Force 40 Recommendations, simplified customer due diligence or reduced measures could be acceptable for which of the following types of products or transactions?
1. Life insurance policies where the annual premium is no more than USD/EUR 1,000 or a single premium of no more than USD/EUR 2,500.
2. Insurance policies for pension schemes if there is no surrender clause and the policy cannot be used as collateral.
3. A ptfiisiui i Ll idL pr uviJcfb lelir emei it bei lefils Lu employees.
4. Trusts where the settlor, trustee and beneficiaries are identified and the shares are in bearer form.
A. 1, 2, and 3 only
B. 2, 3, and 4 only
C. 1, 3, and 4 only
D. 1, 2, and 4 only
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 2：
Whichline of defenseissolely tasked with providing assurance to the Board of Directorsof an organization?
A. The fourth line of defense
B. The second line of defense
C. The third line of defense
D. The first line of defense
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 3：
An institution receives a request for credit from a local company that has been a client for many years. The information provided by the company indicates that its assets have increased substantially with the addition of several new subsidiaries. Further research performed by the institution indicates the new subsidiaries are recently created shell companies.
Could this indicate potential money laundering?
A. Yes, shell companies are typically created to manage tax liabilities.
B. No, the company has been a client for many years.
C. No, it is normal for a business to diversify by creating shell companies.
D. Yes, the shell companies could have been created to hide beneficial ownership.
正解：D
解説: (Pass4Test メンバーにのみ表示されます)

質問 4：
Which two channels can be utilized during a cross-border money laundering investigation to assist in gathering information according to Financial Action Task Force? (Choose two.)
A. Exchanging information between national law enforcement agencies
B. Submitting only formal requests for information to a financial intelligence unit
C. Contacting existing liaison officers in the foreign jurisdiction
D. Contacting the potential suspect or their family members to request information
正解：A,C
解説: (Pass4Test メンバーにのみ表示されます)

質問 5：
What is the first step that an investigator should take when beginning a financial investigation into a potential suspicious activity?
A. Gathering and assessing internal sources of information, including information obtained from the customer, transactions, and value and volume.
B. Determining whether the potential suspicious activity is consistent with the customer's transactional behavior, nature of business, and occupation.
C. Contacting the country's financial intelligence unit (FIU) officers to seek advice on whether the potential suspicious activity is indeed suspicious.
D. Identifying and reviewing external information, including online presence, customer-related entities, and relevant media.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 6：
Non-compliance with relevant anti-money laundering laws and regulations can result in: (Select Two.)
A. increased reputation risk.
B. delisting of public filing status.
C. civil and criminal penalties
D. inclusion on the UN Consolidated List.
正解：A,C

質問 7：
A credit institution has been served with a preliminary findings report highlighting major deviations from AML obligations in its country and stating that it faces the possibility of withdrawal of its banking license.
Which authorities could have issued the report?
A. A banking sector self-regulatory body
B. Financial Action Task Force (FATF)
C. Law enforcement authority
D. AML supervisory authority
正解：D
解説: (Pass4Test メンバーにのみ表示されます)

質問 8：
In which situation can money laundering adversely affect a country's currencies and interest rates due to launderers investing dirty funds?
A. They invest in shell companies in secrecy havens that intentionally manipulate rates
B. They invest in legitimate companies as a way of making their funds appear to be legitimate
C. They invest in a way to hide funds rather than get a high rate of return
D. They invest in high risk ventures with high rates of return
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 9：
Which scenario should be escalated as potentially suspicious activity?
A. A domestic business account receives a wire transfer from an international business with no history of such activity or business needs.
B. A corporate account deposits large checks and wire transfers on a frequent basis from existing customers.
C. A retail chain deposits cash into several operating accounts and consolidates the funds into one account.
D. A convenience store makes daily deposits or withdrawals primarily in cash.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)