CAMS-FCI 무료 덤프문제 온라인 액세스

The law enforcement agency (LEA) of a foreign jurisdiction contacts a financial institution (Fl) regarding one of the Fl's clients. The LEA advises that the client is currently wanted for prosecution as a result of a series of human trafficking charges. What should the Fl do? (Select Two.)

• A.Close the clients accounts immediately to avoid any undue risk.
• B.Review the client's activity, determine if suspicious activity exists, and report accordingly.
• C.Inform local LEA and regulator of the request for awareness.
• D.Advise the LEA that the government needs to be contacted for extradition.
• E.Comply immediately with the foreign jurisdiction and turn over all client information.

The investigations team of a financial institution (Fl) wants to perform enhanced due diligence measures on operations done by a foreign bank related to transactions of companies that export scrap gold and silver. What would be the next best steps for the investigations team? (Select Two.)

• A.Ask the respondent bank if the exporting companies have obtained an official license that permits the exporting of scrap gold and silver.
• B.Ask the legal department if it can proceed to rescind the contract of the correspondent banking relationship since the export of scrap gold and silver is a high-risk activity.
• C.Ask the respondent bank if it can file a SAR/STR in its jurisdiction since the investigations team also plans to do the same in the Fl's home country.
• D.Ask the respondent bank if it has a risk rating for the exporting companies, if the customer profiles are updated, and if so. when was the last time it was done.
• E.Ask the business manager who handles the relationship of the respondent bank if they can persuade the bank to close the accounts of the export companies.

What action does the USA PATRIOT Act allow the US government to take regarding financial institutions (FIs) that are based outside of the US?

• A.Revoke the banking licenses of non-US FIs in countries outside the US.
• B.Sanction a country when an individual Fl does not comply with US law.
• C.Allow all US regulators to place a non-US Fl on the Specially Designated Nationals and Blocked Persons List.
• D.Subpoena documents from FIs that have no presence in the US.

An investigator is reviewing an alert for unusual activity. System scanning detected a text string within a company customer's account transactions that indicates the account may have been used for a drug or drug paraphernalia purchase. Based on the KYC profile, the investigator determines the customer's company name and business type are marketed as a gardening supplies company. The investigator reviews the account activity and notes an online purchase transaction that leads the investigator to a website that sells various strains of marijuana. Additional account review detects cash deposits into the account at the branch teller lines, so the investigator reaches out to the teller staff regarding the transactions. The teller staff member reports that the business customers have frequently deposited cash in lower amounts. The teller, without prompting, adds that one of the transactors would occasionally smell of a distinct scent of marijuana smoke.
Which information should be included in the SAR/STR?

• A.The fact that one of the transactors occasionally smelled of marijuana smoke
• B.The customer information, including KYC background
• C.A transaction that is commensurate with the customer's background
• D.Details of the transactor's social media accounts

A client with many personal and business deposits with the financial institution (Fl) seeks a business loan. The client wants to guarantee the loan with a trust for which they are the beneficiary.
An investigator examines the trust. The trust has many layers, including shell companies in known tax havens.
The client's ultimate beneficial ownership claim cannot be validated, and the loan is denied.
Two months later, the Fl receives a law enforcement (LE) request on one of the client's business accounts.
While reviewing the business account, the Fl receives another LE request on the same account from another agency. The requested information is shared.
Three months later, a branch manager receives a request to open a business deposit account related to a complex trust. The manager forwarded the request because of the complexity. The trust was the same as the previously examined trust, but the request came from a different client. The second client also has many accounts with the Fl. Further inspection finds links between the second client and the Paradise Papers. The Papers state the client led illegal activities and committed tax evasion.
What steps should the investigator perform in reference to the first client's existing accounts? (Select Three.)

• A.Review Fl approved policies regarding the existing accounts to ensure regulatory requirements were followed.
• B.Perform secondary scans of the client's other owners/authorized signers
• C.Review all client-signed documents relating to all accounts.
• D.Prepare a relationship flow chart of all existing accounts to better understand the client's activities.
• E.File SARs/STRs for all accounts at the beginning of the discovery phase and amend later as necessary.
• F.Inform Fl management of all processes used to investigate the client due to LE inquiry.