[2026年03月02日]CKYCA試験問題集で100%合格率CKYCA試験！ [Q44-Q64]

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[2026年03月02日]CKYCA試験問題集で100%合格率CKYCA試験！

試験問題集リアルAML Certifications問題集132解答を試そう！

ACAMS CKYCA認定は、AMLおよび金融犯罪防止分野の個人にとって貴重な資産です。それは、金融犯罪と効果的に戦うために必要なスキルと知識を専門家に提供し、世界的に認識されています。試験は厳格であり、広範な準備が必要ですが、試験に合格することは、AMLおよび金融犯罪防止の専門家に対する個人のコミットメントの証です。

質問 44
What is the First Line of Defense? (FLOD)

The _______ line of defense is the compliance and internal control functions. That includes the chief money laundering reporting officer, or MLRO, in charge of managing and monitoring AML and CFT activities.

The _______ line of defense is also known as the front line, these customer-facing employees are best-equipped to get the information you need for your customer due diligence. Can include Operations, risk, and control teams.

The ________ line of defense is internal audit. They perform an independent review of the controls applied by the lines of defense.

質問 45
A compliance officer is tasked with building a financial institution’s annual risk assessment. Which data attributes should be used to understand inherent risk?

Customer types and products offered to customers

Number and types of audit examinations in a year performed by the regulator C Number of control-side function employees and business employees

Size of the financial institution and if it is publicly listed on an exchange

Inherent risk is the level of risk present before controls are applied and is influenced by factors such as the types of customers served and the products or services offered, both of which directly affect the institution’s exposure to financial crime risks.

質問 46
Which customer type represents the highest risk of money laundering to a financial institution?

Payment service provider

Construction company

Accounting firm

Wholesale food distributor

Payment service providers pose higher money laundering risk because they handle high volumes of transactions, often across multiple jurisdictions, and may process funds on behalf of third parties, increasing the potential for illicit activity.

質問 47
What is legal risk? (SELECT 2)

An organization breaks laws when doing business.

An employee who commits a crime unrelated to the organization.

A warning from a regulator.

An employee who commits a crime unrelated to the organization.

質問 48
What stage is the explore step in the 4 step process with regards to the 4-step research model?

1st.

2nd.

3rd.

4th.

質問 49
An owner of several trading companies worldwide is advised to register a new company for the legitimate purpose of controlling foreign assets of their trading companies. This new company is commonly referred to as a:

subsidiary company.

special purpose vehicle.

shell company.

holding company.

A holding company is established to own and control shares or assets of other companies, often for organizational, tax, or asset protection purposes, without engaging directly in the day-to-day operations of those businesses.

質問 50
Under a risk based approach is a PEP risk manageable If a customer discloses during the KYC, or Know Your Customer process?

No, PEPS are do not fit within the risk tolerance of an organization.

No, PEPs do not need to disclose their status, it is up to the financial institution to find that information out and determine the risk.

Yes, He or she is the spouse of a government official, closely related to the government official

Yes, PEPS need bank accounts and access to financial investment products like everyone else.

質問 51
When performing EDD on a new high-risk customer, which question best informs the decision to move forward with onboarding?

Will the customer be able to provide legitimate bank reference letters?

Can this customer be accepted given the geographic scope of their activities?

Is this customer going to be subject to ongoing monitoring?

Does this customer exceed the risk tolerance of the institution?

The key question in deciding whether to onboard a high-risk customer is whether their risk profile exceeds the institution’s defined risk tolerance, as this determines alignment with regulatory requirements and internal compliance policy.

質問 52
What is the Primary European Union Money Laundering regulation?

4th Anti-Money Laundering Act.

2nd Anti-Money Laundering Directive.

5th Anti-Money Laundering Directive.

3rd Anti-Money Laundering Directive

5th Anti-Money Laundering Act.

質問 53
For AML purposes, most jurisdictions require that beneficial ownership be collected at a threshold of (SELECT 2)

15%

10% sometimes for high risk customers

20%

25%

質問 54
The minimum level of Customer Due Diligence that is required when opening a new account includes the following? (SELECT 2)

What type of locations is the account going to be transacting with.

Why this account is being opened?

What type of people does the customer associate with?

What sorts of transactions you should anticipate?

The frequency and expected amounts of those transactions?

質問 55
Usually, the risk associated with the customer can be higher if the customer is nonresident?

Yes

Depends

質問 56
What are key risks in Financial Crime Prevention Control? (SELECT 3)

Insurance.

Financial.

Reputational.

Regulatory.

質問 57
Which key elements should be included in CDD?

Account type, court records, open source intelligence information, and a list of reasons to maintain the customer

Customer overview, nature of business or occupation, geographic profile, and summary of red flags C Risk assessment statement risk appetite description and the risk presented by the customer

Customer type, related accounts and activity totals, industry information, and a peer business summary

Core elements of Customer Due Diligence include a customer overview, the nature of their business or occupation, their geographic profile, and a summary of any identified red flags, all of which support accurate risk assessment and monitoring.

質問 58
During the onboarding process of a new customer, it is noted that the customer is a politically exposed person opening a private banking account and has a foreign passport. Which statement best describes the industry best practice for the institution?

Mandatory periodic review should occur on at least an annual basis

Simplified monitoring should occur on a yearly basis.

Enhanced monitoring may be decided on by the business line manager.

Simplified monitoring is required per the customer risk criteria.

質問 59
A transaction monitoring alert is generated by an automated system. The alert was triggered by a scenario to flag large cash payments. The analyst is not able to explain the behavior that triggered the alert. Which step should a KYC analyst take next?

Block the account to prevent any other transactions.

Submit a suspicious transaction report.

Escalate the alert to the second line for investigation.

Mark the alert as a false positive.

When an analyst cannot reasonably explain activity flagged by transaction monitoring, the correct step is to escalate the case to the second line of defense (compliance or investigations team) for further review before any reporting or account action is taken.

質問 60
A shell company or corporation is a company that, at the time of incorporation, has no significant? (SELECT 2)

Assets.

Employees.

Funds.

Operations.

質問 61
Assets under management show an increase of investors whose income originates from high-risk jurisdictions. This indicates higher risk in which area?

Customer

Geographical

Political

Economic

FATF considers jurisdictions with weak AML/CFT controls as high-risk. An increase in investors from such regions raises geographical risk, since the customers’ funds originate from locations with elevated money laundering or terrorism financing threats.

質問 62
What is the purpose of having controls to Know Your Customer, also known as KYC?

Manage the financial crime risk to your customer.

Manage the financial crime risk to your organization.

Manage the compliance risk of your organization.

Manage the compliance risk of your customer.

質問 63
A physical person assessed as a medium-risk customer makes an extraordinary large cash deposit in his account at a financial institution. The customer is unable to provide an explanation for the large cash deposit. Which action should be taken next?

Terminate the relationship with the customer

Warn the customer not to repeat such transactions.

File a suspicious transaction report as needed.

Escalate the customer risk to high.

An unexplained large cash deposit is a potential money laundering red flag. The appropriate next step is to file a suspicious transaction report (STR) in accordance with regulatory requirements and the institution’s AML procedures.

質問 64
Which client action would justify an internal referral for a potential suspicious activity report?

Opening a cash-intensive restaurant business

Expansion of operations to a Financial Action Task Force (FATF) high-risk country

Deposit of 35,000 Euro in cash without supporting evidence

Election of the client’s father to Parliament

A large cash deposit without supporting evidence for its origin is a clear money laundering red flag, warranting an internal referral for potential filing of a suspicious activity report.

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ACAMS CKYCA試験の準備をするために、個人は、オンラインコース、学習ガイド、練習試験など、ACAMが提供するさまざまな学習資料を利用できます。 ACAMSは、認定プロセス全体でサポートとガイダンスを提供できる専門家のグローバルネットワークも提供します。個人が試験に合格したら、継続教育クレジットを完了して最新のAML規制とベストプラクティスを最新の状態に保つことにより、認定を維持する必要があります。

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[2026年03月02日]CKYCA試験問題集で100%合格率CKYCA試験！ [Q44-Q64]

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