ACFCS Financial Crime Specialist 認定 CFCS 試験問題:
1. You are a money laundering investigator at a financial institution. You discover that the target of one of your cases was your direct supervisor during previous employment.
How should you proceed?
A) Notify your current supervisor and assure him or her you will maintain confidentiality on the case
B) Continue working the case because the target of the investigation is not a family member or close associate
C) Stop investigating the case and have it assigned to a coworker or supervisor
D) Use your inside information to build a stronger case
2. Old Stuff Inc is a high-end antique dealer They regularly have large sales to customers from around the globe.
Recently its account has been receiving several high-value fund transfers from a single overseas company and most of the money is substantially remitted back to the customer in a single transaction as refunds.
This is a red flag for which type of money laundering scheme?
A) Round tripping
B) Trade-based
C) Wash trading
D) Informal value transfer
3. Which fraud channel is used lo steal personal identifying information from your computer?
A) DoS (denial-of service) attack
B) Vishing
C) Spooling
D) Malware
4. A U.S. citizen opens an account in an offshore bank in a country that has a bilateral Model II FATCA agreement with an initial deposit of $10,000. USD Over the course of time the kinds in the account exceed
$60,000 USD.
Which obligation under FATCA applies?
A) None the bank may accept Ihe deposited funds and is under no further obligation than to follow applicable local law
B) The bank would be subject to a mandatory withholding tax on income Irom U S financial assets it holds
C) The bank is required to report U.S. account holders to the U.S. Internal Revenue Service
D) The bank is requiredtofile a Suspicious Activity Report or Suspicious Transaction Report (SAR or STR)
5. A large banking institution retains a collections law firm to determine if a $25 million default on a commercial loan is fraud. The attorneys need to determine if the defaulting parly is worth pursuing in civil litigation by first determining if the defaulting entity and/or individual committed fraud by intentionally defaulting.
Which is an indicator or a red flag that the defaulting party could be committing fraud?
A) A history of bankruptcies is found relating to the defaulting entity or individual
B) The individual or entity involved in the default loan maintains numerous holding companies
C) The loan IS collateralized by accounts receivable
D) The payments toward the loan have been delinquent many times over several years of maintaining Ihe loan
質問と回答：
| 質問 # 1 正解： A | 質問 # 2 正解： A | 質問 # 3 正解： D | 質問 # 4 正解： C | 質問 # 5 正解： A |
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