ACAMS Certified Anti-Money Laundering Specialist (the 7th edition) CAMS7 Exam Questions in PDF

Free ACAMS CAMS7 Dumps Questions (page: 7)

A bank located in Arizona is considering a loan application for a new client. The collateral for the loan is a property in Florida.

The loan will be in the name of a limited liability company (LLC) whose ownership is not disclosed to the bank. The LLC was established by a New York-based attorney.

The loan will be repaid by the LLC in monthly wire transfers of $9, 000 which is more than the required monthly payment.

Which aspect indicates the potential for money laundering?

  1. The LLC’s ownership is not disclosed to the bank
  2. The collateral, a property in Florida, is not located in Arizona
  3. The repayment in the amount of $9, 000 indicates potential structuring
  4. The attorney associated with the account is outside the bank’s lending area

Answer(s): A,C



What is a key risk associated with Correspondent Accounts according to the Basel Customer Due Diligence paper?

  1. It is not used on a daily basis
  2. The service fees are insufficient to cover the cost of managing the account
  3. The respondent bank’s customer acceptance and know your customer policies are ineffective
  4. The volume and value of transactions passing through the account may not be in line with the original correspondent agreement

Answer(s): C



A law enforcement agency is reviewing a suspicious transaction report (STR) filed by a financial institution for suspicious activity on a client’s account. Subsequently, the agency requests further information.

Which supporting documentation might the law enforcement agency request from the institution to facilitate its investigation?

  1. Previously filed STRs on the same customer
  2. Account opening documents and account statements
  3. Copies of promotional materials sent to the customer
  4. A copy of the institution’s STR policy and procedures

Answer(s): B



A new compliance officer is reviewing the bank’s anti-money laundering program and notices that the risk assessment was completed six months ago. Since that time, the bank acquired another financial institution, re- named the internal records group, and streamlined cash handling procedures.

Which factor causes the compliance officer to update the bank’s risk assessment?

  1. The bank acquired another institution
  2. The internal records group has been re-named
  3. The cash handling procedures were streamlined
  4. The risk assessment was completed six months ago

Answer(s): A



The Wolfsberg Anti-Money Laundering Principles for Private Banking require new clients to be approved by whom?

  1. The board of directors
  2. Only the private banker
  3. The private banker’s supervisor
  4. At least one person other than the private banker

Answer(s): D


Reference:

https://www.wolfsberg-principles.com/sites/default/files/wb/pdfs/wolfsberg-standards/10.%20Wolfsberg-Private-Banking-Prinicples-May-2012.pdf (04)



Which two factors should increase the risk of a correspondent bank customer and require additional due diligence according to the Wolfsberg Anti-Money Laundering Principles for Correspondent Banking? (Choose two.)

  1. The customer is located in a Financial Action Task Force member country and provides services primarily to a local individual customer.
  2. The customer is located in a Financial Action Task Force member country and the bank’s head of information security is a politically exposed person.
  3. The customer is located in a Financial Action Task Force member country and provides services to other correspondent banks in neighboring countries.
  4. The customer is located in a non-Financial Action Task Force member country and services mostly commercial customers who engage in international trade.

Answer(s): C,D



In which two ways does a government Financial Intelligence Unit interact with public and private sectors? (Choose two.)

  1. It governs the methods of investigation used by competent authorities
  2. It mediates disputes between financial institutions and investigative authorities
  3. It receives and analyzes disclosures filed by financial and non-bank institutions
  4. It disseminates information and the results of its analysis to competent authorities

Answer(s): C,D


Reference:

http://pubdocs.worldbank.org/en/834721427730119379/AML-Module-2.pdf



What do Financial Action Task Force (FATF)-style regional bodies do for their members to help combat money laundering and terrorist financing?

  1. They provide technical assistance to members in implementing FATF recommendations
  2. They assist member countries in penalizing entities that violate FATF standards and recommendations
  3. They work with members on areas of concern outside of anti-money laundering and terrorist financing
  4. They supervise member country financial institutions relating to anti-money laundering and terrorist financing

Answer(s): D


Reference:

https://www.fatf-gafi.org/media/fatf/documents/brochuresannualreports/FATF30-(1989-2019).pdf



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