수영장 회사를 소유한 고객이 은행에 19개의 계좌를 개설해 달라고 요청합니다. 각 계좌에는 수영장 기술자를 위한 직불카드가 있습니다. 각 계좌의 목적에 대해 물었을 때 클라이언트는 각 기술자가 수영장 화학 물질을 구매하기 위해 별도의 당좌 예금 계좌가 필요하다고 설명합니다.
이 고객의 활동에 대한 은행의 내부 조사에 사용할 수 있는 출처는 무엇입니까?
정답: D
The bank's internal investigation is aimed at understanding the activities and legitimacy of the client who wants to open multiple accounts for their swimming pool company, with each account assigned to a debit card for the company's technicians. The purpose of these accounts, as stated by the client, is to facilitate the purchase of pool chemicals. To conduct a thorough investigation, the bank can consider several available sources of information. Let's analyze each option:
A). Client's credit bureau report: The client's credit bureau report primarily contains information related to the individual's credit history, including loans, credit cards, payment patterns, and any financial obligations.
While this information may be useful in assessing the client's creditworthiness, it may not provide substantial insight into the specific activities and legitimacy of the swimming pool company or the need for multiple accounts.
B). Local law enforcement investigation report: The local law enforcement investigation report may contain information about any criminal or suspicious activities involving the client or the swimming pool company, such as fraud, money laundering, tax evasion, or other offenses. However, this source may not be readily available to the bank, as it may require a formal request or a subpoena to access. Moreover, the report may not be comprehensive or up-to-date, as it may depend on the scope and progress of the law enforcement investigation.
C). Interview swimming pool technicians and chemical suppliers: The interview with the swimming pool technicians and chemical suppliers may provide some information about the nature and frequency of the transactions involving the pool chemicals, such as the amount, the price, the payment method, and the delivery mode. However, this source may not be reliable or verifiable, as the technicians and suppliers may be biased or influenced by the client. Moreover, the interview may not be feasible or practical, as it may require the bank to contact and arrange meetings with multiple parties, which may be time-consuming and costly.
D). Internet search showing how such business are typically operated: The internet search showing how such business are typically operated may provide some information about the industry standards and best practices for running a swimming pool company, such as the average number of technicians, the typical expenses, the common suppliers, and the expected revenue. This source may be useful in comparing and contrasting the client's business model and operations with the industry norms and identifying any red flags or anomalies.
Moreover, this source may be easily accessible and inexpensive, as it may only require the bank to use a web browser and a search engine.
Therefore, the best available source for the bank's internal investigation on this client's activities is option D.
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