CFCS 試験問題を無料オンラインアクセス

The money laundering control officer at a bank has determined that there are three business accounts at the bank that are conducting related high velocity transactions that do not match the profile for the stated business activities of the account. Further investigation determines that the signatories of the three accounts were joint defendants in a civil fraud lawsuit ten years earlier.
Which action must the money laundering control officer at the bank lake?

• A.Arrange individual meetings with the account holders and inquire about the transactions
• B.Freeze the accounts until further investigation can be made
• C.Prepare a Suspicious Activity or Transaction Report (i.e. SAR or STR) and file it with the Financial intelligence Unit (FIU) in the jurisdiction where the bank conducts operations
• D.Contact the government investigators and report his suspicion that the accounts may be part of a fraud scheme

The Director of Purchasing at Company A in the US is in charge of purchasing raw materials for vehicle manufacturing. To his supervisors the director appears to live a lifestyle well above his annual salary at the company You are asked to perform a financial investigation lo identify any red flags in Ihe purchasing / inventory departments.
Which two are red flags? Choose 2 answers

• A.There has been a decrease in inventory purchases but no decrease in sales
• B.There has been an increase in inventory purchases but no increase in sales
• C.There is a high volume of purchases from new vendors
• D.There is little excess inventory and the company has a high inventory turnover

You work for a bank that is subject to U.S. sanctions overseen by the Office of Foreign Assets Control (OFAC). In the past your institution has had difficulty keeping the Specially Designated Nationals (SDN) lists up-to-date.
Which is the recommended course of action when dealing with transactions from a sanctioned country through your bank?

• A.Submit blocking and reject reports to the OFAC in writing
• B.Call Ihe OFAC to submit the blocking and reject reports
• C.Open the account and then contact the OFAC about blocking transactions
• D.Ignore the SDN lists because they appear to be out-of-date again

In an attempt to ensure the selection of his bid for a government project in a foreign country Mr. Jones decided to pay off a foreign official who had the ability to influence the process Mr. Jones created a shell company to conduct the transaction.
In exchange for this influence Mr. Jones created a series of invoices that made it appear as if his shell company owed money to Ihe foreign official Mr. Jones wired money from his bank account in the US to the shell company in the foreign jurisdiction for credit to the government official Unfortunately for Mr. Jones, the official did not keep his promise and Jones did not gel the bid.
When did money laundering FIRST occurs?

• A.When Mr. Jones created the shell company
• B.When Mr. Jones wired the funds to the shell company
• C.When Mr. Jones generated a series of false invoices
• D.When Mr. Jones transferred funds from the shell company to the public official

You arethe ChiefAnti-Money Laundering Officer for a large multinational financial institution and you are building your risk-based Enhanced Due Diligence (EDO) program.
Which business would LEAST likely be targeted tor EDD?

• A.A charitable organization
• B.A law firm
• C.A storage facility
• D.A travel agency