무료 온라인 액세스 ACAMS.CAMS-KR.v2025-11-24.q402 모의 시험 (Page 20)

CAMS-KR 문제 91

자금세탁에 관한 제4차 유럽연합 지침에는 어떤 요구 사항이 포함되어 있습니까?

A. 정치적으로 노출된 사람을 생명에 대한 고위험군으로 간주하도록 의무화된 기관이 요구합니다.

B. 의무 기관은 모든 선불 카드 소지자에 대해 강화된 실사를 실시해야 합니다.

C. 회원국은 법인의 실질적 소유자에 대한 등록부를 유지해야 합니다.

D. 회원국이 금융활동기구(FATF) 권고에 협조하지 않는 국가에 대해 경제 제재를 시행하도록 요구합니다.

CAMS-KR 문제 92

테러 자금 조달(CFT)
여러 계좌를 통해 거래하는 것을 무엇이라고 하는가? 개인이 공통적으로 관리되지 않는 계좌를 통해 상쇄되는 이익과 손실, 포지션 이전을 발생시키는 것을 무엇이라고 하는가?

A. 폰지 사기

B. 시장 조작

C. 순거래

D. 세탁 거래

CAMS-KR 문제 93

테러 자금 조달 방지(CFT)
유럽 연합(EU) 은행이 미국 은행과 환거래 은행 관계를 맺고 있습니다. 미국 애국법 311조에 따라 미국 정부는 EU 은행에 지급결제 계좌를 보유한 지정 기관에 대해 특별 조치를 시행했습니다. 지정 기관에 대한 EU 은행의 서비스와 관련하여 미국 은행이 취해야 할 조치는 다음 중 무엇입니까?

A. 지정된 기관의 기밀 정보가 다른 기관과 공유되지 않도록 하세요.

B. 이 계정 사용이 허용된 고객에 대한 추가 정보를 얻습니다.

C. EU 은행이 지정된 기관에 서비스를 제공하는지 확인하세요.

D. EU 은행에 대한 강화된 실사를 실시합니다.

정답: B

Under USA PATRIOT Act Section 311, the U.S. government can impose special measures against a foreign jurisdiction, institution, or transaction that is of primary money laundering concern1. These measures can range from requiring additional recordkeeping and reporting to prohibiting or restricting the opening or maintaining of correspondent or payable-through accounts for the designated entity2. A payable-through account is a type of correspondent account that allows customers of a foreign bank to access the U.S. financial system by writing checks or making wire transfers from the foreign bank's account at a U.S. bank3.
In this case, the U.S. government has enacted special measures against a designated entity that has a payable- through account with an EU bank, which in turn has a correspondent banking relationship with a U.S. bank.
One of the possible actions that the U.S. bank might be required to take regarding the EU bank's services for the designated entity is to obtain additional information about customers permitted to use this account. This is to ensure that the U.S. bank can identify and monitor the transactions and activities of the designated entity and its customers, and to prevent any money laundering or terrorist financing risks4.
The other actions listed are not likely to be required by the U.S. government under Section 311. Ensuring the designated entity's confidential information is not shared with other entities is not a special measure, but a general obligation of any financial institution under privacy laws. Verifying that the EU bank serves the designated entity is not a relevant action, since the U.S. government has already designated the entity as a primary money laundering concern. Performing enhanced due diligence on the EU bank is not a specific action related to the payable-through account, but a broader requirement for any correspondent account under Section 312 of the USA PATRIOT Act5.
1: USA PATRIOT Act | FinCEN.gov1 2: 311 Actions | U.S. Department of the Treasury2 3: Overview of Correspondent Banking and "De Risking" Issues - CRS Reports3 4: U.S. TREASURY DEPARTMENT OFFICE OF PUBLIC AFFAIRS4 5: Fact Sheet: Overview of Section 311 of the USA PATRIOT Act5

CAMS-KR 문제 94

테러 자금 조달(CFT)
한 학생이 집을 보러 부동산 중개인에게 연락했지만, 질병으로 인해 마지막 순간에 계약을 취소했습니다. 중개인이 호가에 이의를 제기했음에도 불구하고, 학생은 80만 달러짜리 집을 빨리 사고 싶어 합니다. 부동산 중개인은 어떤 위험 신호를 포착해야 할까요? (세 가지 선택)

A. 익명성

B. 구조화

C. 값

D. 흐르다

E. 불일치

F. 거래 속도

정답: C,E,F

The scenario described in the question presents several indicators of potential money laundering through real estate, which the broker should be aware of and report accordingly. The most relevant red flags are:
Value: The student wants to buy a home that is overvalued, meaning that the asking price is higher than the market value or the appraisal value of the property. This could indicate that the student is trying to launder a large amount of illicit funds in one transaction, or that the seller is colluding with the student to inflate the price and receive a kickback. Overvaluing or undervaluing properties is a common technique used by money launderers to manipulate the price of real estate and conceal the source or destination of their funds12.
Inconsistency: The student's behavior and profile are inconsistent with the typical characteristics of a legitimate home buyer. The student cancels the viewing of the home at the last minute due to illness, which could suggest a lack of interest or a pretext to avoid scrutiny. The student also wants to buy an expensive home despite being a student, which could indicate a discrepancy between the student's income and the source of funds. Moreover, the student disregards the broker's objections to the asking price, which could imply that the student is not concerned about the value or quality of the property, but rather the amount of money that can be laundered through it34.
Transaction speed: The student wants to quickly buy the home, which could indicate a sense of urgency or pressure to move the illicit funds before they are detected or seized by the authorities. Money launderers often use fast transactions to avoid raising suspicion or leaving a paper trail. Transaction speed is especially relevant when combined with other red flags, such as cash payments, anonymous buyers, or overvalued properties5 .
References:
Understanding Money Laundering in Real Estate
RED FLAG INDICATORS FOR REAL ESTATE SECTOR
Investigating Money Laundering through Real Estate
AML Red Flags Associated with Real Estate Sector Businesses
FinCEN Proposes Rule to Combat Money Laundering and Promote Transparency in Residential Real Estate
[ACAMS Study Guide, 6th Edition, Chapter 7, pp. 200-201]

CAMS-KR 문제 95

은행이 소환장 요청을 받음(또는 몇 달 동안 모니터링 대상이 된 고객. 은행은 추가 위험을 완화하기 위해 계좌를 폐쇄하려고 합니다. 그러나 정부는 계좌를 계속 열어 둘 것을 요구합니다. What 계좌를 유지하려면 문서를 은행에 제공해야 합니까?

A. 계좌를 계속 열어두겠다는 정부와 금융기관 간의 이메일 동의서

B. 정부의 적절한 서신 및 권한에 따른 서면 요청

C. 계좌는 유지하되 자금은 동결하라는 명령

D. 이사회의 승인

다른 버전: 1796ACAMS.CAMS-KR.v2025-03-03.q354; 1270ACAMS.CAMS-KR.v2024-02-24.q277; 1475ACAMS.CAMS-KR.v2023-06-05.q235

최근 업로드: 235ACAMS.CAMS.v2026-01-15.q822; 153Microsoft.GH-300.v2026-01-15.q65; 132NACE.NACE-CIP1-001.v2026-01-15.q34; 156Salesforce.MCE-Admn-201.v2026-01-14.q54; 155Salesforce.MC-101.v2026-01-14.q41; 162Google.Professional-Cloud-Architect.v2026-01-14.q101; 142RUCKUS.RCWA.v2026-01-14.q48; 139SOCRA.CCRP.v2026-01-14.q43; 130CompTIA.FC0-U71.v2026-01-13.q88; 192APICS.CPIM.v2026-01-13.q161