CAMS 무료 덤프문제 온라인 액세스

Which money laundering risks are posed by the misuse of trust and asset management services? (Select Three.)

• A.Allowing for third-party custody safekeeping of funds
• B.Concealing true legal and beneficial owners
• C.Establishing escrow accounts for real estate transactions
• D.Concealing sources of funds
• E.Adding a layer of anonymity to transactions

A division anti-money laundering officer for a financial institution has been conducting a monthly self- assessment.
The officer reviews the accounts opened for compliance with a long standing Know Your Customer policy.
The self-assessment for the latest month shows a significant increase in compliance deficiencies for the first time in more than a year.
Which of the following is the next course of action for the anti-money laundering officer to take?

• A.Inform the Board promptly of the Know Your Customer policy trend over the last 6 months.
• B.Revise the policy to simplify Know Your Customer compliance before the report is issued.
• C.Implement a revision to the account-opening training program.
• D.Determine if there is a readily identifiable cause for the deficiencies.

Which method is used to launder money via wire remittances sent through a bureau de change or money services business?

• A.A large number of wire transfers are sent from a large number of senders in country A to a large number ofrecipients in country B during the period of December 1 to December 15.
• B.A customer in country A receives four small wire transfers from four different individuals located in countryB on December 21. The aggregate of the wire transfers falls below the legal reporting threshold.
• C.A customer in country A makes a weekly small wire transfer to the bank account of an individual in country
• D.A customer in country A makes frequent wire transfers to a single customer in country B that are slightlyunder the legal reporting threshold.

Which is an example of structuring with regards to money laundering?

• A.A person deposits 100,000 USD in cash at a bank.
• B.A person deposits substantial sums of currency into a number of local branches by making several cash transactions of less than 10,000 USD.
• C.A person uses the hawala system to transfer 10,000 USD from Australia to a family member in China.
• D.A person deposits a large amount of more than 100,000 USD in cash and transfers it to another person's account.

Financial crime risk related to the use of "hawalas" can stem from: (Select Two.)

• A.informal networks used for cross-border transactions outside of the formal banking system.
• B.remote verification of identity by third-party program managers.
• C.heavy usage by senior political figures.
• D.difficulty in tracking the originator, recipient, and source of transactions.
• E.heightened risks of returned transactions.