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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
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