무료 온라인 액세스 ACAMS.CAMS-KR.v2025-11-24.q402 모의 시험 (Page 79)

CAMS-KR 문제 386

새 계정 담당자가 최근에 직업이 학생 과외인 개인의 계정을 개설했습니다.
다음 중 자금 세탁 가능성을 나타내는 고객 행동은 무엇입니까?

A. 매주 소액 현금 입금을 지속적으로 하고 있습니다.

B. 친척이 소유한 다른 계좌로 주기적으로 전신 송금 시작

C. 거액의 현금이 입금된 당일 다른 은행으로 모든 자금을 이체

D. 저축예금을 개설하고 당좌예금에서 수시로 이체한다.

정답: C

This customer action indicates possible money laundering because it could be a sign of layering, which is the second stage of the money laundering process. Layering involves moving the illicit funds around to create distance and confusion between the source and the destination of the money. Transferring all funds to another bank on the same day of large cash deposits could be an attempt to avoid detection by the bank's transaction monitoring system or by the authorities. It could also be a way to break the audit trail and obscure the origin of the funds.
The other customer actions are not necessarily indicative of money laundering, although they could raise some red flags depending on the context and the customer profile. Continually making weekly small cash deposits could be a sign of structuring, which is a technique to avoid reporting requirements by depositing amounts below the threshold. However, this could also be a legitimate behavior for a tutor who receives cash payments from students. Periodically initiating wire transfers to another account owned by a relative could be a sign of funneling, which is a technique to move funds between accounts that are not related to the business or personal activities of the customer. However, this could also be a legitimate behavior for a tutor who supports their family members financially. Opening a savings account and making frequent transfers from the checking account could be a sign of commingling, which is a technique to mix illicit funds with legitimate funds from a legal source. However, this could also be a legitimate behavior for a tutor who wants to save money for future expenses.
CAMS Certification Package - 6th Edition | ACAMS, Chapter 2: Money Laundering Risks and Methods, pp.
35-40
CAMS Certifications: How to Get CAMS Certified | ACAMS, CAMS Study Guide, pp. 28-32 ACAMS CAMS Certification Video Training Course - Exam-Labs, Module 2: Money Laundering Risks and Methods, Video 2.2: The Three Stages of Money Laundering Exam CAMS: Certified Anti-Money Laundering Specialist (the 6th edition), Question 311, Answer C

CAMS-KR 문제 387

테러 자금 조달 방지(CFT)
다음 중 어떤 이유로 특정 해외 관할권에 설립된 신탁이 자금을 예치하는 데 적합한가요?

A. 정착자와 수혜자의 이름이 공개됩니다.

B. 신탁은 일반적으로 세금을 최소화하기 위해 설정됩니다.

C. 해외 관할권에서는 신뢰에 대해 잘 알지 못합니다.

D. 신탁은 상당한 규모의 자산을 보유할 수 있습니다.

정답: A

it describes a reason why trusts established in certain offshore jurisdictions make good vehicles to layer money, which is names of the settlor and beneficiaries are not publicly available. This means that the true owners and controllers of the funds or assets held by the trust are hidden from the public and the authorities, and can only be accessed by the trustee or the protector, who may be complicit or unaware of the money laundering scheme. This creates a high level of anonymity and secrecy for the money launderers, who can use the trust to move, disguise, or conceal the origin and destination of their illicit funds.
The other options are not necessarily reasons why trusts established in certain offshore jurisdictions make good vehicles to layer money, although they may have some advantages or disadvantages depending on the circumstances and the risk profile of the customers and countries involved. Option B describes a possible motive for setting up a trust in an offshore jurisdiction, which is to minimize taxes, but this does not imply that the trust is used to layer money, as there may be legitimate tax planning or optimization purposes. Option C describes a possible challenge or obstacle for setting up a trust in an offshore jurisdiction, which is offshore jurisdictions are unfamiliar with trust, but this does not imply that the trust is used to layer money, as there may be other legal or financial vehicles available in those jurisdictions. Option D describes a possible characteristic or feature of a trust, which is trusts may hold assets of significant size, but this does not imply that the trust is used to layer money, as there may be valid reasons or sources for the large assets.
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 4, pages 86-87
https://www.acams.org/wp-content/uploads/2019/09/ACAMS-CAMS-Study-Guide-6th-Edition-Chapter-4.pdf

CAMS-KR 문제 388

프라이빗 뱅킹에 대한 Wolfsberg Anti-Money Laundering Principles에 따르면 신규 고객은 누구의 승인을 받아야 합니까?

A. 이사회

B. 프라이빗 뱅커 전용

C. 프라이빗 뱅킹의 감독관

D. 프라이빗 뱅커 외 1인 이상

CAMS-KR 문제 389

테러 자금 조달(CFT)
규정 준수 담당자가 지난달 송금 부서의 활동을 검토하던 중 고객 계좌에서 비정상적인 송금이 이루어진 것을 발견했습니다.
고객 활동 검토에는 어떤 정보가 포함되어야 합니까?

A. 최근 입금 활동 내역

B. 전화 및 인터넷을 통한 송금 요청

C. 지난 1년 동안 매월 처리된 총 전신 수

D. 은행이 통신은행을 통해 송금을 처리하는지 여부

CAMS-KR 문제 390

EU의 자금세탁방지지침(AMLD)과 유럽연합(EU) 회원국의 현지 AML 규정 간의 관계는 무엇입니까? (2개를 선택하세요.)

A. 현지 AML 법률 및 규정은 EU AMLD 요구 사항보다 우선합니다.

B. 현지 AML 규정은 EU AMLD보다 추가적이거나 더 엄격한 요구 사항을 부과할 수 있습니다.

C. EU AMLD는 회원국이 현지 AML 규정을 통해 구현해야 하는 프레임워크를 제공합니다.

D. EU AMLD와 현지 AML 규정은 별개의 관련 없는 법적 틀입니다.

E. EU AMLD와 현지 AML 규정은 동일한 요구 사항을 가져야 합니다.

다른 버전: 1794ACAMS.CAMS-KR.v2025-03-03.q354; 1268ACAMS.CAMS-KR.v2024-02-24.q277; 1453ACAMS.CAMS-KR.v2023-06-05.q235

최근 업로드: 200ACAMS.CAMS.v2026-01-15.q822; 140Microsoft.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; 140RUCKUS.RCWA.v2026-01-14.q48; 137SOCRA.CCRP.v2026-01-14.q43; 130CompTIA.FC0-U71.v2026-01-13.q88; 191APICS.CPIM.v2026-01-13.q161