무료 온라인 액세스 ACAMS.CAMS-KR.v2025-11-24.q402 모의 시험 (Page 61)

CAMS-KR 문제 296

미국에 거주하는 이민자가 직불카드가 포함된 은행 계좌를 개설합니다. 몇 달 후, 거래 모니터링 시스템은 계정에 소액 예금을 식별하고 분쟁 지역에 접한 국가에서 해당 ATM 인출을 식별합니다.
은행은 어떻게 대응해야 할까요?

A. 추가 활동 차단

B. 의심스러운 거래 신고 접수

C. 활동에 대한 조사 시작

D. 거래 활동이 계속되는 경우 고객에게 연락

CAMS-KR 문제 297

자금세탁 방지 교육 문서를 내부 검토한 결과, 생명 보험 상품을 판매하는 금융 기관에 고용된 신규 대리인만 교육을 받은 것으로 나타났습니다. 또한 일반적으로 기관에서
신규 보험계리사 교육을 시작하려면 8개월이 걸립니다. 준법 감시인은 유일한 고위험 기능을 수행하기 때문에 교육이 보험계리사로 제한되었다고 설명했습니다. 이 기관은 후속 평가 없이 e-러닝 기술에 의존했습니다.
다음 중 내부 검토에서 가장 권장할 만한 문제는 무엇입니까?

A. 이사회를 제외한 모든 직원은 교육을 받아야 합니다.

B. 제품별 자금세탁 방지 교육을 전사적으로 제공해야 합니다.

C. 해당 기관은 6개월 이내에 보험계리사에게 자금세탁 방지 교육을 제공해야 합니다.

D. 교육 중에 자금세탁 방지 콘텐츠를 강조하기 위해 e-러닝을 계속 사용합니다.

정답: B

The internal review would most likely recommend that the institution provide product-specific anti-money laundering training to all relevant employees, not just actuaries. This is because life insurance products can be used for money laundering purposes, such as purchasing policies with illicit funds, surrendering policies for cash value, or using policies as collateral for loans. Therefore, all employees who are involved in selling, servicing, or processing life insurance products should be aware of the money laundering risks and red flags associated with these products, and how to report any suspicious activity. The institution should also ensure that the training is timely, effective, and tailored to the specific roles and responsibilities of the employees.
The other options are not as relevant or appropriate as the correct answer. Option A is too broad, as not all staff need to be trained on anti-money laundering, only those who are relevant to the institution's business activities and exposure to money laundering risks. Option C is too narrow, as it only focuses on actuaries and does not address the need for training other employees who may deal with life insurance products. Option D is not sufficient, as e-learning alone may not be effective in ensuring that employees understand and retain the anti-money laundering content, and the institution should also conduct follow-up assessments to measure the impact and outcomes of the training.
ACAMS Study Guide for the CAMS Certification Examination - 6th Edition, Chapter 3: Compliance Standards for Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT), page 57.
ACAMS CAMS Certification Video Training Course, Module 3: Compliance Standards for Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT), Lesson 3.5: Training and Testing.
Best Practices for Anti-Money Laundering Compliance - DIRO Original, Section 3: Adequate Training.

CAMS-KR 문제 298

재무 정보 공개를 수신, 분석 및 배포하는 책임이 있는 국가 금융 정보국은 어떤 조직의 구성원이 되는 것을 고려해야 합니까?

A. 에그몬트 그룹

B. 볼프스베르크 그룹

C. 재정행동 태스크포스

D. 바젤 위원회

정답: A

it describes the organization that a national Financial Intelligence Unit (FIU) should consider becoming a member of, which is the Egmont Group. The Egmont Group is an international network of FIUs that was established in 1995 to facilitate the exchange of financial intelligence and information among its members, and to promote cooperation and coordination in the fight against money laundering and terrorist financing.
The Egmont Group currently has 166 member FIUs from different jurisdictions, and provides them with various benefits, such as access to secure communication channels, bestpractices, training, and technical assistance. The Egmont Group also works closely with other international organizations, such as the Financial Action Task Force (FATF), the United Nations, and the World Bank, to enhance the global anti-money laundering and counter-terrorist financing (AML/CTF) framework.
The other options are not necessarily organizations that a national FIU should consider becoming a member of, although they may have some relevance or influence on the AML/CTF field. Option B describes the Wolfsberg Group, which is an association of 13 global banks that was formed in 2000 to develop standards and guidance for the financial industry on AML/CTF and other financial crime issues. The Wolfsberg Group is not an organization for FIUs, but rather for financial institutions. Option C describes the Financial Action Task Force (FATF), which is an inter-governmental body that was established in 1989 to set the international standards and recommendations for AML/CTF and to monitor the compliance and effectiveness of its members and other jurisdictions. The FATF is not an organization for FIUs, but rather for governments and policy-makers. Option D describes the Basel Committee, which is a forum of central bank governors and heads of banking supervision authorities from 28 jurisdictions that was established in 1974 to enhance the quality and consistency of banking supervision and regulation. The Basel Committee is not an organization for FIUs, but rather for banking regulators and supervisors.
ACAMS CAMS Certification Video Training Course - 6th Edition1
Exam CAMS: Certified Anti-Money Laundering Specialist (the 6th edition)2 ACAMS CAMS Study Guide - 6th Edition, Chapter 5, pages 108-109
https://www.acams.org/wp-content/uploads/2019/09/ACAMS-CAMS-Study-Guide-6th-Edition-Chapter-5.pdf

CAMS-KR 문제 299

다음 중 호라이즌 스캐닝을 수행하는 데 효율적인 접근 방식은 무엇입니까? (2개 선택)

A. 규제 기관에 정기적으로 연락하여 업데이트 및 향후 개발 사항을 문의합니다.

B. 규제적 시야 스캐닝을 위한 특정 공급자 사용

C. 규제 기관 뉴스레터 구독

D. 동료 및 작업 그룹의 정보와 통찰력에 의존

CAMS-KR 문제 300

테러 자금 조달 방지(CFT)
미국 애국법의 어떤 측면이 외국 금융 기관에 영향을 미칩니까?

A. 외국 쉘 은행에 대한 강화된 실사 요구

B. 미국 금융기관 해외지점에 대한 제재 요건 확대

C. 모든 외국 금융기관에 대한 자금세탁방지 프로그램 요건 확대

D. 자금세탁의 주요 우려 기관에 특별 조치를 부과할 수 있는 권한 제공

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