2025年英文CAMS 反洗钱师考试题库.pdf

2025年英文CAMS反洗钱师考试题库

1.Question#1

Abankaccountisestablishedforanewbusinesscustomer.Thebusinesswas

establishedfiveyearsagowithanaddressinanotherstate.Thebusiness

websitecontainsfewdetailsotherthanstatingitisarealestatebusiness.

Oneprincipalhasaninternationaltelephonenumberandappearstobeliving

inanothercountry.Theotherprincipalworksoutofarecreationalvehicle.

Whatwarrantsenhancedduediligenceinthisscenario?

A.Shellcompany

B.Humantrafficker

C.Politicallyexposedperson

D.Moneylaunderingthroughrealestate

正确答案:A

解析：Ashellcompanyisanon-tradingcompanyusedforvariouspurposes,such

asassetprotectionortaxplanning,andcanbemisusedformoneylaundering

duetoitslackofsubstantialbusinessactivities.

2.Question#2Abranchmanagerforasmallcommunitybankhasanewcustomer

whodepositsfourEUR50,000checksintooneaccount.Shortlythereafter,the

customergoestoanotherbranchandaskstotransferallbutEUR1,500to

threeaccountsindifferentforeignjurisdictions.Whichsuspiciousactivity

shouldbethefocusofthesuspicioustransactionreport?

A.Thecustomeropenedtheaccountwithfourlargechecks

B.Thecustomergoestoadifferentbranchtomakethistransaction

C.Thecustomertransfersalmostallofthefundsoutoftheaccount

D.Thecustomeraskstotransferfundstoaccountsinthreedifferentforeign

jurisdictions

正确答案:D

解析：Thisactivityindicatesapotentialmoneylaunderingtechniqueknownas

smurfing,wherefundsare分散tomultipleaccountsindifferent

jurisdictionstoavoiddetection.

3.Question#3Agovernmenthasinstitutednewanti-moneylaunderinglaws

whichrequireallfinancialinstitutionstoobtaincertaininformationfrom

itscustomers.Whichstepshouldaninstitutionlocatedinthisjurisdiction

taketoensurecompliance?

A.Changeprocedurestorequirethatthenecessaryinformationisobtained

B.C