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적중율높은CAMS인증시험인기시험자료덤프

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Pass4Test는 여러분의 요구를 만족시켜드리는 사이트입니다. 많은 분들이 우리사이트의 it인증덤프를 사용함으로 관련it시험을 안전하게 패스를 하였습니다. 이니 우리 Pass4Test사이트의 단골이 되었죠. Pass4Test에서는 최신의ACAMS CAMS자료를 제공하며 여러분의ACAMS CAMS인증시험에 많은 도움이 될 것입니다.

CAMS 인증 시험을 치르려면 응시자에게 최소 40 시간의 AML 교육 또는 2 년의 AML 관련 업무 경험이 있어야합니다. 또한 응시자는 배경 조사를 통과하고 ACAMS 윤리 강령 및 전문 행동을 준수해야합니다. 인증을 받으면 CAMS 전문가는 인증을 유지하기 위해 2 년마다 20 시간의 평생 교육을 완료해야합니다.

>> CAMS인증시험 인기 시험자료 <<

CAMS최신버전 시험덤프공부 - CAMS시험패스 가능한 공부하기

ACAMS인증 CAMS시험을 패스하여 자격증을 취득하시면 찬란한 미래가 찾아올것입니다. ACAMS인증 CAMS인증시험을 패스하여 취득한 자격증은 IT인사로서의 능력을 증명해주며 IT업계에 종사하는 일원으로서의 자존심입니다. Pass4Test 의 ACAMS인증 CAMS덤프는 시험패스에 초점을 맞추어 제일 간단한 방법으로 시험을 패스하도록 밀어주는 시험공부가이드입니다.구매전ACAMS인증 CAMS무료샘플을 다운받아 적성에 맞는지 확인하고 구매할지 않할지 선택하시면 됩니다.

최신 CAMS Certification CAMS 무료샘플문제 (Q404-Q409):

질문 # 404
In the FATF 40 recommendations, the focus of AML efforts has been expanded beyond Financial Institutions.
Which three businesses and/or professions are covered? Choose 3 answers

A. casinos, when customers engage in financial transactions equal to or above a designated Threshold
B. Real estate agents when they are involved in transactions for clients concerning buying and selling properties
C. Trust and company service providers
D. Dealers in art, when they engage in any cash transaction with a customer at or above a designated threshold

정답：A,B,C

설명：
According to the FATF 40 recommendations, the focus of AML efforts has been expanded beyond financial institutions to include other businesses and professions that are vulnerable to money laundering and terrorist financing risks. These include:
* Casinos, when customers engage in financial transactions equal to or above a designated threshold.
Casinos are required to identify and verify the identity of their customers, keeprecords of transactions, report suspicious transactions, and implement internal controls and compliance programs to prevent money laundering and terrorist financing. The designated threshold is USD/EUR 3,000 or more1.
* Real estate agents, when they are involved in transactions for clients concerning buying and selling properties. Real estate agents are required to identify and verify the identity of their customers and beneficial owners, keep records of transactions, report suspicious transactions, and implement internal controls and compliance programs to prevent money laundering and terrorist financing. Real estate transactions can involve large amounts of money and complex legal arrangements that can be used to conceal the source or destination of illicit funds2.
* Trust and company service providers, when they prepare for or carry out transactions for a client concerning the creation, operation or management of legal persons or arrangements. Trust and company service providers are required to identify and verify the identity of their customers and beneficial owners, keep records of transactions, report suspicious transactions, and implement internal controls and compliance programs to prevent money laundering and terrorist financing. Trust and company service providers can facilitate the misuse of legal persons or arrangements, such as shell companies or trusts, to hide the true ownership and control of assets or funds3.
The other option, dealers in art, when they engage in any cash transaction with a customer at or above a designated threshold, is not covered by the FATF 40 recommendations. However, dealers in precious metals and stones are covered when they engage in any cash transaction with a customer at or above a designated threshold of USD/EUR 15,000 or more. Dealers in art may be subject to national or regional regulations that impose AML obligations on them, depending on the jurisdiction.
FATF Recommendation 22: Designated Non-Financial Businesses and Professions: Customer Due Diligence FATF Recommendation 23: Designated Non-Financial Businesses and Professions: Other Measures FATF Recommendation 24: Transparency and Beneficial Ownership of Legal Persons
[FATF Recommendation 25: Transparency and Beneficial Ownership of Legal Arrangements]

질문 # 405
Whichrisk factors should a financial institution (FI) examinefor anew corporate customer intending to open a bank account? (Select Three.)

A. Thetype of businessthe corporate customer is engaged in.
B. Thecountry or locationwhere the customer is from or conducts business.
C. Theemployment profilesand information of all employees of the new customer.
D. Theidentity of senior managing officialsand all individuals authorized to operate the account.
E. All thefinancial institutions where the new customer currently banks or banked previously.

정답：A,B,D

설명：
When onboardingnew corporate customers,financial institutions must conduct thorough due diligence (KYC
/CDD)to assess therisk profileof the business.
* Option A (Correct):Knowing the customer's business activityiscriticalto identifying if it is ahigh-risk industry(e.g., cash-intensive businesses, virtual assets, shell companies).
* Option D (Correct):Identifyingsenior management and account operatorsensures that therightful owners and controllersare known.
* Option E (Correct):Jurisdictional riskis a key factor. If the company operates in ahigh-risk country, enhanced due diligence (EDD) may be required.
* Option B (Incorrect):Employment profiles ofall employeesarenot relevantunless the employees arepolitically exposed persons (PEPs)or linked to financial crime.
* Option C (Incorrect):Knowing where a business previously bankedis not standard practiceunless the entity is flagged forsuspicious activity.
AML Risks in Corporate Banking:
* Shell Companies & Complex Ownership Structures:Can be used tohide beneficial ownersand launder illicit funds.
* High-Risk Countries & Sanctions Exposure:Customers linked tohigh-risk jurisdictions (FATF Grey
/Blacklist)may requireEDD measures.
* Unusual Business Nature:Some businesses (e.g.,cash-intensive industries, cryptocurrency firms) havehigher financial crime risks.
Best Practices:
* Conduct KYC/CDD at account openingandperiodic reviewsfor risk management.
* Use beneficial ownership registriesto verify theultimate beneficial owners (UBOs).
* Cross-check against sanction lists(OFAC, UN, EU, etc.).
Reference:
FATF Recommendation 10 (Customer Due Diligence)
6th EU Anti-Money Laundering Directive (6AMLD)
Wolfsberg Group Guidance on Corporate Banking Risks

질문 # 406
Which of the following conditions contribute to a politically exposed person (PEP) posing greater risk than a typical high-risk bank customer? (Select Two.)

A. PEPs may exploit embassy activities to conceal bribery and corruption transactions.
B. The family members and close associates of PEPs may be involved in illicit activities.
C. PEPs can have illegitimate fund sources but are legally protected from having their accounts closed for activities outside a bank's risk appetite.
D. PEPs are granted unlimited credit and financial immunity under international banking regulations.

정답：A,B

설명：
PEPs are recognized by CAMS 6th Edition and FATF as posing elevated risk due to:
* A. The family members and close associates of PEPs may be involved in illicit activities:"The risks extend beyond the PEP to family members and close associates, who may be used to conceal the movement of illicit funds."(CAMS 6th Edition, PEP Risk Factors; FATF Guidance)
* C. PEPs may exploit embassy activities to conceal bribery and corruption transactions:"PEPs may use their position or diplomatic privileges, such as embassy operations, to disguise or facilitate the movement of illicit funds."(CAMS 6th Edition, Corruption and PEP Risks) Incorrect Options:
* B: There is no such legal provision granting PEPs financial immunity or unlimited credit.
* D: Banks may (and often must) exit PEP relationships not in line with their risk appetite.
References:
CAMS 6th Edition, PEPs and Enhanced Due Diligence
FATF Guidance: PEPs (2013)

질문 # 407
The USA PATRIOT Act requires United States (U.S.) financial institutions to collect certain information from non-U.S. banks that hold a correspondent account.
Which two pieces of information must a non-U.S. bank provide to its U.S. correspondent to enable them to comply with this requirement? (Choose two.)

A. The name and address of all shell banks the bank maintains accounts for
B. The name and address of all beneficial owners who own 25% or more of the bank
C. The name and address of a U.S. person who is authorized to receive service of legal process for the bank
D. Prompt notice of any suspicious activity it detects on any customer who uses the correspondent account

정답：B,D

설명：
Explanation/Reference: https://www.sec.gov/about/offices/ocie/amlsourcetool.htm

질문 # 408
Why is the Mutual Legal Assistance Treaty (MLAT) a gateway for international cooperation?

A. They provide a legal basis for transmitting evidence that can be used for prosecution and judicialproceedings
B. They issue the Prmc4es of Information Exchange Between Financial intelligence Units (FIUs)
C. They obtain intelligence that might lead to evidence
D. They receive reports of suspicious transactions from financial institutions to disseminate to localLaw enforcement and foreign FIUs

정답：A

질문 # 409
......

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시험대비 CAMS인증시험 인기 시험자료 최신버전 공부자료

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