CAMS Schulungsangebot, CAMS Zertifizierungsfragen

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Die ACAMS CAMS (Certified Anti-Money Laundering Specialists) Prüfung ist eine Zertifizierungsprüfung, die entwickelt wurde, um das Wissen und die Fähigkeiten von Personen zu testen, die in der Einhaltung von Anti-Geldwäsche (AML) involviert sind. Die Prüfung umfasst eine breite Palette von Themen im Zusammenhang mit AML, einschließlich des rechtlichen und regulatorischen Rahmens, der Risikobewertung, der Kunden-Identifikation, der Transaktionsüberwachung und der Berichterstattung. Es handelt sich um eine anspruchsvolle und herausfordernde Prüfung, deren Bestehen ein hohes Maß an Fachwissen im Bereich AML demonstriert.

Die ACAMS CAMS (Certified Anti-Money Laundering Specialists) Zertifizierungsprüfung ist eine hoch angesehene und weltweit anerkannte Zertifizierung für Fachleute, die an der Prävention und Erkennung von Geldwäsche und anderen Finanzverbrechen beteiligt sind. Diese Zertifizierung wird von der Association of Certified Anti-Money Laundering Specialists (ACAMS) angeboten, der größten internationalen Organisation, die sich der Verbesserung des Wissens und der Fähigkeiten von Fachleuten im Anti-Geldwäsche (AML) Bereich widmet.

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CAMS Prüfungsressourcen: Certified Anti-Money Laundering Specialists & CAMS Reale Fragen

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ACAMS Certified Anti-Money Laundering Specialists CAMS Prüfungsfragen mit Lösungen (Q398-Q403):

398. Frage
A prospective AML officer comes highly recommended by a banks up-stream correspondent institution of similar size and make-up, located in a different city in the same country. The bank is interested in hiring the individual. What should be the next step taken by the Board of Directors?

A. Do a thorough background check
B. Hire the individual on a probationary basis so that the institution can determine if the individual is sufficiently experienced and capable
C. Confer with its regulatory agency to determine whether it is appropriate to hire the person
D. Hire the individual, relying on the recommendation of its correspondent

Antwort: A

Begründung:
According to the Anti-Money Laundering Specialist (the 6th edition) study guide, one of the best practices for hiring an AML officer is to do a thorough background check, including verifying the candidate's credentials, qualifications, references, and reputation1. This is because the AML officer plays a crucial role in ensuring the compliance and integrity of the financial institution, and therefore must have the necessary skills, knowledge, experience, and ethics to perform the job effectively and professionally. A background check can also help to identify any potential conflicts of interest, criminal records, or regulatory sanctions that may affect the candidate's suitability for the position1. The other options are incorrect because:
B: Confering with the regulatory agency may not be necessary or appropriate, as the hiring decision is ultimately the responsibility of the financial institution, and the regulatory agency may not have any specific or relevant information or guidance on the candidate2.
C: Hiring the individual, relying on the recommendation of the correspondent, may not be sufficient or prudent, as the correspondent may have different standards, expectations, or interests than the financial institution, and may not have conducted a comprehensive or objective assessment of the candidate3.
D: Hiring the individual on a probationary basis may not be feasible or fair, as the AML officer role requires a high level of trust, authority, and responsibility, and the financial institution may not be able to evaluate the candidate's performance or potential in a short period of time4.
References:
1: ACAMS, CAMS Certification Package - 6th Edition, Chapter 5, page 147
2: ACAMS, CAMS Certification Package - 6th Edition, Chapter 5, page 148
3: ACAMS, CAMS Certification Package - 6th Edition, Chapter 5, page 147
4: ACAMS, CAMS Certification Package - 6th Edition, Chapter 5, page 148

399. Frage
Which statement is true about banking regulatory agencies having the authority to obtain information from regulated institutions?

A. The agencies authority to conduct examinations negates the need for a warrant or subpoena
B. If a regulatory agency intends to prosecute a regulated institution, a warrant or subpoena mustfirst be granted before the information can be obtained
C. The regulatory agencies may only obtain information from the regulated institution's books andrecords by virtue of a search warrant
D. A search warrant may be substituted by a court subpoena compelling the institution to producethe information to the regulatory agency

Antwort: A

400. Frage
A customer's registered business activity is a domestic carpet cleaning company. Besides domestic receipts, there are incoming weekly transactions from an international reputable auction house starting at 15,000 USD and averaging 30,000 USD. The matching cash outgoings amount to 90% of the incoming deposits to non-related individuals. Which is most concerning for potential money laundering?

A. The customer's international incomings are from an international reputable antique auction house.
B. The customer is a domestic carpet cleaning company.
C. The customer is paying 90% of the incoming proceeds to non-related individuals in cash.
D. The customer's initial international receipt has increased from 15,000 USD to an average of 30,000 USD per transaction per week.

Antwort: C

Begründung:
The customer's business activity as a domestic carpet cleaning company is not inherently suspicious, as it aligns with their registered business. However, the significant weekly transactions from an international reputable antique auction house raise red flags.
The sudden increase in the customer's initial international receipt from $15,000 USD to an average of $30,000 USD per transaction per week is also noteworthy. Such a substantial change warrants further scrutiny.
The fact that 90% of the incoming deposits are matched by cash outgoings to non-related individuals could indicate layering or structuring activities associated with money laundering.
Overall, the combination of large international transactions, increased receipts, and cash outflows to unrelated parties from an antique auction house is the most concerning aspect.
Reference:
Anti-Money Laundering Specialist (the 6th edition) resources.
ACAMS AML Glossary (definitions of terms related to AML).1
ACAMS AML Foundations Certificate (overview of AML concepts and responsibilities).2 ComplyAdvantage: 6th Money Laundering Directive (6AMLD) (details on AML regulations and penalties).3

401. Frage
What should countries do to help prevent non-profit organizations from being abused for the financing of terrorism according to the Financial Action Task Force 40 Recommendations?

A. Create laws that forbid non-profit organizations from completing cross-border transactions without first running them through known terrorist data bases
B. Allow for freezing assets of non-profit organizations
C. Ensure non-profit organizations cannot be used to conceal or obscure the diversion of funds intended for legitimate purposes to terrorists' organizations
D. Require all non-profit organizations to register with the country's financial intelligence unit

Antwort: C

Begründung:
According to the Financial Action Task Force (FATF) 40 Recommendations, countries should implement measures to prevent the abuse of non-profit organizations (NPOs) for the financing of terrorism. One of these measures is to ensure that NPOs cannot be used to conceal or obscure the diversion of funds intended for legitimate purposes to terrorists' organizations. This means that countries should have effective mechanisms to monitor and supervise NPOs, especially those that are at risk of terrorist financing abuse, and to take appropriate actions against NPOs that are involved in such activities. Countries should also ensure that NPOs maintain adequate records of their activities and transactions, and that these records are accessible to competent authorities. Furthermore, countries should promote transparency and accountability in the NPO sector, and encourage NPOs to conduct due diligence on their donors, beneficiaries, and associates.
References: =
* FATF 40 Recommendations, Recommendation 8 and Interpretive Note to Recommendation 8
* Best Practices on Combating the Abuse of Non-Profit Organisations, FATF, June 2015
* COMBATING THE ABUSE OF NON-PROFIT ORGANISATIONS (RECOMMENDATION 8),
FATF, June 2015
Reference:
http://www.fatf-gafi.org/media/fatf/documents/reports/BPP-combating-abuse-non-profitorganisations.pdf (p.9)

402. Frage
When assessing and managing money laundering risks while operating in foreign jurisdictions different from that of the head office, an effective AML monitoring program should:

A. conform to the foreign jurisdiction policies to align with the head office policies.
B. be consistent with the head office audits.
C. be tailored to the higher of standards between the jurisdictions.
D. provide all foreign jurisdiction reports to the head office for approval.

Antwort: A

Begründung:
Explanation
When assessing and managing money laundering risks while operating in foreign jurisdictions different from that of the head office, an effective AML monitoring program should conform to the foreign jurisdiction policies to align with the head office policies. This ensures that the organization's AML/CFT risk management remains consistent across all jurisdictions, while allowing local compliance staff to assess and manage the risks specific to their jurisdiction. Additionally, the program should be tailored to the higher of standards between the jurisdictions, and should be consistent with the head office audits. Providing all foreign jurisdiction reports to the head office for approval is not necessary, as long as the program is consistent with the head office policies.

403. Frage
......

Wir alle sind normale Menschen, Manchmal können wir nicht alles schnell im Kopf behalten. Im Laufe der Zeit haben wir vieles vergessen. So sollen wir manchmal dieses wiederholen. Wenn Sie die Prüfungsmaterialien zur ACAMS CAMS Zertifizierungsprüfung von Fast2test sehen, würden Sie finden, dass Sie genau was sind, was Sie wollen. Sie brauchen sich nicht so anstrengend um die CAMS Zertifizierung vorzubereiten und fleißig zu wiederholen. Sie sollen Fast2test glauben und werden eine glänzende Zukunft haben.

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CAMS Schulungsangebot, CAMS Zertifizierungsfragen

CAMS Prüfungsressourcen: Certified Anti-Money Laundering Specialists & CAMS Reale Fragen

ACAMS Certified Anti-Money Laundering Specialists CAMS Prüfungsfragen mit Lösungen (Q398-Q403):

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