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ACAMS CAMS證照信息，CAMS資訊

順便提一下，可以從雲存儲中下載VCESoft CAMS考試題庫的完整版：https://drive.google.com/open?id=1j0jlArenjAs4ROxKJFO5Vru1zFKahR4O

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ACAMS CAMS 認證是對於想要展示其反洗錢合規制度專業知識和專業能力的AML專業人士而言，一個有價值的資格。該認證在全球范圍內得到認可，是AML領域卓越水平的基準。CAMS考試難度較高，但只要準備充分且投入努力，考生就能通過考試並獲得認證，進而開啟新的職業機會並提升其專業聲譽。

>> ACAMS CAMS證照信息 <<

CAMS資訊 & CAMS學習資料

很多IT人士都想通過ACAMS CAMS 認證考試，從而在IT行業中獲取更好的提升機會，使他們的工資生活水準都有所提升。但是好多人為了通過ACAMS CAMS 認證考試花了大量時間和精力來鞏固相關知識卻沒有通過考試。這樣是很不划算。如果你選擇VCESoft的產品，你可以為你節約很多時間和精力來鞏固知識，但是卻可以通過ACAMS CAMS 認證考試。因為VCESoft的關於ACAMS CAMS 認證考試的針對性的資料可以幫助你100%通過考試。如果你考試失敗，VCESoft會全額退款給你。

ACAMS CAMS（認證反洗錢專家）考試是一個旨在測試參與反洗錢（AML）合規的個人知識和技能的認證考試。該考試涵蓋與AML相關的廣泛主題，包括法律和監管框架、風險評估、客戶盡職調查、交易監控和報告。這是一個嚴格和具有挑戰性的考試，通過該考試可以證明在AML領域具有高水準的專業知識。

最新的 CAMS Certification CAMS 免費考試真題 (Q177-Q182):

問題 #177
Bank A is located in Country A. A wire transfer from Bank B located in Country B is processes by Bank A,where the funds are being moved to a customer at Bank C located in Country C. The wire transfer isdeemed suspicious by Bank A.

A. The transaction in Country A.
B. Bank B in Country A.
C. The transaction in Country B.
D. Bank C in Country C.

答案：A

解題說明：
Explanation
Another simpler way of looking at the problem is by seeing this case as a Correspondent Banking relationship:
-A is the primary correspondent bank.
-B is the respondent bank.
-C is the receiving bank (of the wire transfer).
Since A is conducting the transaction on behalf of B's customer via the correspondent relationship deemed suspicious, it is the transaction in Country A by the correspondent bank that files the STR. Also, per the regular process, it is on the transaction, not the bank, that the STR is filed against.

問題 #178
Which statement about the extraterritorial reach of U.S. laws and legislation is accurate?

A. The Office of Foreign Assets Control's (OFAC's) economic and trade sanctions may pose extraterritorial risks for financial institutions and businesses outside of the U.S.
B. Section 319(b) of the USA PATRIOT Act permits the seizure of funds from a correspondent bank account in the U.S. that has been opened and maintained for a foreign bank.
C. The Bank Secrecy Act (BSA) extraterritorial reach requires that the Travel Rule be applied to all financial institutions globally, including all USD transactions.
D. The Anti-Money Laundering Act of 2020 (AML Act) extraterritorial reach covers all USD transactions throughout the global economy.
E. S. AML laws have significant extraterritorial effects due to the dominance of the U.S. dollar in global finance.

答案：A,B

解題說明：
Option C (Correct): Section 319(b) of the USA PATRIOT Act allows the seizure of funds from foreign correspondent bank accounts in the U.S.
Option D (Correct): OFAC sanctions can affect non-U.S. entities if they engage in prohibited transactions using U.S. dollars.
Option A (Incorrect): The Travel Rule applies only to financial institutions under U.S. jurisdiction.
Option B (Incorrect): The AML Act of 2020 strengthens U.S. financial crime enforcement, but does not govern all USD transactions worldwide.

問題 #179
A client has retained a lawyer to create a financial holding company. The lawyer resides in Europe. The client provides all requested documentation to the lawyer. However, the lawyer becomes suspicious that the customer is engaged in criminal activity and intends to use the financial holding company for money laundering purposes. Which of the following should an anti-money laundering specialist recommend according to the European Union Money Laundering Directives?

A. There is no need to file a suspicious transaction report, as this activity is covered by attor-ney-client privilege.
B. Freeze the client's assets so that all records can be turned over to the competent authori-ties.
C. Consult with the competent authority to receive advice on how to handle the transaction.
D. Report the activity as suspicious to the competent authority because the lawyer is covered by these directives.

答案：D

解題說明：
The correct answer is C because the European Union Money Laundering Directives require lawyers and other independent legal professionals to report suspicious transactions to the competent authority when they are involved in certain activities on behalf of their clients, such as creating or managing companies, trusts, or other legal arrangements. The directives also provide that the obligation to report overrides any professional secrecy or confidentiality rules, except when the lawyer is ascertaining the legal position of the client or representing the client in legal proceedings or in connection with such proceedings. Therefore, the lawyer in this scenario should report the activity as suspicious to the competent authority, as creating a financial holding company for the client falls within the scope of the reporting obligation and does not qualify for the exemption12: =
1: ACAMS Study Guide for the CAMS Certification Examination, 6th Edition, Chapter 4, page 141
2: Directive (EU) 2018/843 of the European Parliament and of the Council of 30 May 2018 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, Article 33 and
34

問題 #180
A compliance officer at a large financial institution has been tasked by senior management to lead a team in an internal review and potential revision of the institution's customer onboarding program following a regulatory enforcement action of another institution.
Which step should the compliance officer perform first?

A. Conducting enhanced due diligence on high risk customers
B. Reviewing the institution's risk assessment
C. Revising training materials for frontline staff
D. Resolving substantive discrepancies in customer verification

答案：B

解題說明：
The compliance officer should perform the first step of reviewing the institution's risk assessment before implementing any changes to the customer onboarding program. The risk assessment is a key component of the AML compliance program, as it identifies and measures the institution's exposure to money laundering and terrorist financing risks. The risk assessment should be updated regularly and reflect the institution's products, services, customers, geographic locations, and delivery channels. By reviewing the risk assessment, the compliance officer can determine the adequacy and effectiveness of the current customer onboarding program and identify any gaps or weaknesses that need to be addressed. The compliance officer can also benchmark the institution's risk assessment against the regulatory expectations and best practices in the industry.
The other steps are also important, but they should be performed after the risk assessment review. Revising training materials for frontline staff, conducting enhanced due diligence on high risk customers, and resolving substantive discrepancies in customer verification are all part of the customer onboarding program, but they depend on the risk assessment to provide the appropriate level of controls and procedures. For example, the training materials should reflect the risk assessment results and the revised customer onboarding policies. The enhanced due diligence should be applied to customers who pose a higher risk according to the risk assessment criteria. The customer verification should be consistent with the risk assessment and the customer identification program.
Reference:
AML KYC Onboarding Lifecycle Process Flow | Guide - AdvisoryHQ
New EBA AML Guidelines on the use of Remote Customer Onboarding Solutions - Bird & Bird KYC Onboarding Process 2023 - AML requirements - Sumsub Review of any AML/CFT program begins with the Risk Based Approached. It should first check the internal system to identify risk factors and design program accordingly.

問題 #181
Which method to launder money through deposit-taking institutions is closely associated with international trade?

A. Using Black Market Peso Exchange
B. Forming a shell company
C. Investing in legitimate businesses with illicit funds
D. Structuring cash deposits/withdrawals

答案：A

解題說明：
Explanation/Reference: http://fraudaid.com/Dictionary-of-Financial-Scam-Terms/black_market_peso_exchange.htm

問題 #182
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CAMS資訊: https://www.vcesoft.com/CAMS-pdf.html

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