무료 온라인 액세스 ACAMS.CAMS-KR.v2024-02-24.q277 모의 시험 (Page 11)

CAMS-KR 문제 46

은행의 거래 감시 시스템은 고객 계좌에 250,000 USO가 입금되면 경고를 발령합니다.
은행의 KYC 정보에 따르면 고객은 금융 자문 회사에서 일하며 연간 약 100,000 USD를 벌고 있습니다. 어떤 조치를 취해야 합니까? (3번을 선택하세요.) 의심스러운 거래를 금융정보분석원에 즉시 신고하세요.

A. 오탐으로 경고를 폐기합니다.

B. 거래 배경에 대해 고객에게 정보 및 문서를 요청합니다.

C. 클라이언트 고문에게 문의하여 거래 배경에 대한 통찰력이 있는지 알아보십시오.

D. 입금이 현금일 경우 알림을 확인합니다.

E. 은행 거래 플랫폼에서 거래 배경을 검토합니다.

CAMS-KR 문제 47

고객이 농산물 수출업을 운영하고 있습니다. 카리브해 지역 판매부터 수년에 걸쳐 꾸준한 성장을 이어왔습니다. 지난달에 이 고객의 계좌 잔액이 갑자기 증가한 것으로 나타났습니다.
자금세탁방지 전문가는 어떤 근거로 의심거래 보고서를 작성해야 합니까?

A. 우편환 입금으로 인해 활동이 증가했습니다.

B. 금융 조치 태스크 포스(Financial Action Task Force) 회원국에서 전신 송금이 이루어지고 있습니다.

C. 고객이 기관에 알리지 않고 주소를 변경했습니다.

D. 비협조 국가 및 영토 여행을 위해 여행자 수표(수표)를 구입했습니다.

정답: D

The customer activity that should trigger a suspicious transaction report is purchasing travelers checks (cheques) for trips to a Non-Cooperative Countries and Territories (NCCTs). This could indicate an attempt to evade currency reporting requirements, avoid sanctions or embargoes, or facilitate money laundering or terrorist financing through high-risk jurisdictions12. NCCTs are countries or territories that have been identified by the Financial Action Task Force (FATF) as having serious deficiencies in their anti-money laundering and counter-terrorist financing regimes, and that pose a threat to the international financial system3.
The other options are not necessarily grounds for a suspicious transaction report, although they may require further due diligence or monitoring depending on the customer profile and the nature of the transaction. For example:
The increased activity is due to money order deposits. This could be a legitimate source of income for the customer's export business, or it could be a way of disguising the origin or destination of the funds. The anti-money laundering specialist should verify the identity and background of the customer and the issuers of the money orders, and check for any red flags or suspicious indicators4.
Wire transfers are coming from a Financial Action Task Force member country. This could be a normal business practice, or it could be a sign of involvement in trade-based money laundering or other illicit activities. The anti-money laundering specialist should assess the customer's source of funds, business rationale, and market conditions, and monitor for any changes or inconsistencies.
The client changed his address without advising the institution. This could be a simple oversight, or it could be a way of concealing the customer's true location or identity. The anti-money laundering specialist should update the customer's information, verify the new address, and check for any adverse media or sanctions.
References:
ACAMS CAMS Certification Video Training Course - Exam-Labs3
Exam CAMS: Certified Anti-Money Laundering Specialist (the 6th edition)4 ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 1, page 11:
https://www.acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-1.pdf ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 2, page 29:
https://www.acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-2.pdf ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 4, page 77:
https://www.acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-4.pdf ACAMS Study Guide for the Certification Examination, 6th Edition, Chapter 5, page 97:
https://www.acams.org/wp-content/uploads/2019/08/ACAMS-Study-Guide-6th-Edition-Chapter-5.pdf

CAMS-KR 문제 48

준법 감시인은 여러 국가에서 운영되는 은행을 위해 전사적 자금 세탁 방지 프로그램을 구현하는 임무를 맡습니다. 모든 국가에서 모든 은행 상품 및 서비스를 사용할 수 있는 것은 아닙니다.
접근 방식의 일부로 고려해야 할 세 가지 요소는 무엇입니까? (3개를 선택하세요.)

A. 은행에서 취급하는 고객 유형

B. 사용할 고객 온보딩 플랫폼

C. 각국의 자금세탁방지 규제 정도

D. 은행이 제공하는 상품 및 서비스에 따른 자금세탁방지 위험

E. 국가에서 자금세탁방지 프로그램을 시행하기 위해 필요한 자원의 양

정답: A,C,D

A compliance officer should consider the following three factors as part of the approach to implement an enterprise-wide anti-money laundering program for a bank that operates in multiple countries:
The types of customers serviced by the bank: Different types of customers may pose different levels of money laundering risk, depending on their nature, source of funds, geographic location, transaction patterns, and other factors. A compliance officer should identify and assess the money laundering risk associated with each customer type and segment, and apply appropriate due diligence measures, monitoring systems, and risk mitigation strategies accordingly12.
The extent of anti-money laundering regulations in the various countries: A compliance officer should be aware of the legal and regulatory requirements and expectations for anti-money laundering compliance in each country where the bank operates, and ensure that the bank's policies and procedures are consistent with them. A compliance officer should also monitor any changes or updates in the anti-money laundering laws and regulations in the various countries, and adjust the bank's program accordingly34.
The anti-money laundering risk posed by the products and services offered by the bank: Different products and services may have different features and functionalities that could be exploited by money launderers, such as anonymity, cross-border transfers, cash transactions, complex structures, or new technologies. A compliance officer should evaluate the money laundering risk associated with each product and service offered by the bank, and implement appropriate controls, safeguards, and oversight mechanisms to prevent and detect money laundering activities5 .
References:
1: ACAMS, CAMS Study Guide, 6th Edition, Chapter 2: Risk Assessments
2: FATF, Guidance for a Risk-Based Approach: The Banking Sector
3: ACAMS, CAMS Study Guide, 6th Edition, Chapter 3: Compliance Standards for Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT)
4: Deloitte, AML Program Effectiveness Reform
5: ACAMS, CAMS Study Guide, 6th Edition, Chapter 4: AML Program Design
[6]: OCC, Money Laundering: A Banker's Guide to Avoiding Problems

CAMS-KR 문제 49

은행의 해외자산관리국(Office of Foreign Assets Control) 제재 스크리닝 감사 프로그램에 어떤 테스트가 포함되어야 합니까?

A. 적중 가능성이 있는 이름을 즉시 조사할 수 있도록 송금 심사 프로세스를 검토합니다.

B. 완전성을 보장하기 위해 규제 기관에 제출된 의심스러운 활동 보고서 사본 검토

C. 외국인 신분증이 있는 모든 고객이 강화된 실사 대상이 되도록 보장

D. 임원에 대한 범죄 배경 조사를 수행하기 위한 인적 자원 프로세스 검토

CAMS-KR 문제 50

Financial Action Task Force 40 권장 사항에 따르면, 다음 유형의 제품 또는 거래에 대해 단순화된 고객 실사 또는 축소된 조치가 허용될 수 있습니까?
1. 연간 보험료가 USD/EUR 1,000 이하이거나 단일 보험료가 USD/EUR 2,500 이하인 생명 보험 상품.
2. 해약 조항이 없고 해당 보험을 담보로 사용할 수 없는 연금 제도에 대한 보험 정책.
3. A ptfiisiui i Ll idL pr uviJcfb lelir emei it bei lefils Lu 직원.
4. 위탁자, 수탁자, 수익자가 확인되고 주식이 무기명 형태로 되어 있는 신탁.

A. 1, 2, 3만

B. 1, 2, 4만

C. 1, 3, 4만

D. 2, 3, 4만

정답: A

According to the Financial Action Task Force (FATF) 40 Recommendations, simplified customer due diligence (CDD) or reduced measures could be acceptable for certain types of products or transactions that have a low risk of money laundering or terrorist financing, based on a reasonable assessment of the risk by countries or by financial institutions. These include:
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. This is because the amount of money involved is relatively small and the payout is usually contingent on a specific event, such as death or disability, which reduces the likelihood of abuse by criminals.
Insurance policies for pension schemes if there is no surrender clause and the policy cannot be used as collateral. This is because the beneficiaries of these policies are usually predetermined and the funds are locked in until retirement age, which limits the possibility of transferring or withdrawing the money for illicit purposes.
A pension, superannuation or similar scheme that provides retirement benefits to employees, where contributions are made by way of deduction from wages and the scheme rules do not permit the assignment of a member's interest under the scheme. This is because the source of funds is known and verified by the employer and the scheme is regulated and supervised by competent authorities, which reduces the risk of money laundering or terrorist financing.
The other option, trusts where the settlor, trustee and beneficiaries are identified and the shares are in bearer form, is not eligible for simplified CDD or reduced measures, because the use of bearer shares poses a high risk of anonymity and concealment of beneficial ownership, which could facilitate money laundering or terrorist financing.
References:
FATF 40 Recommendations, Recommendation 10 and Interpretive Note to Recommendation 10, paragraphs 17-18.

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