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問題 #1

A junior account manager within an international private bank in Country A was asked by one of his valued customers, who has held an account for several years in the institution, about depositing a large sum of cash into her account. The junior account manager informed his customer that his bank does not accept cash. The junior account manager later reviewed a customer activity report and noticed a number of smaller dollar wires from banks in neighboring Country B, which has lax currency controls, that totaled about as much as the customer intended to deposit.
What should the junior account manager do?

A. File a suspicious transaction report with the Financial Intelligence Unit
B. Notify the anti-money laundering specialist of his bank, but do not call the customer
C. Offer the customer a more secure method of depositing in the hope of learning something more during the conversation
D. Close the account

問題 #2

A bank receives a request for a subpoena (or a client who has been the subject of monitoring for several months. The bank wishes to close the account in order to mitigate any additional risk. However, the government requires that the account remain open. What document must be provided to the bank to keep the account open?

A. An authorization from the board of directors
B. An email agreement between the government and the financial institution to keep the account open
C. An order to keep the account open but with the funds frozen
D. A request in writing under proper letterhead and authority from the government

問題 #3

A company contracts a life insurance policy with a savings feature of 100,000 USD for an individual in a high- risk country. The policy receives monthly cash deposits from unknown third parties. A minimal part of the deposit is invested and the rest is withdrawn by the end of the month. Which are the circumstances to consider as a risk for money laundering? (Select Two.)

A. A policy for an amount of 100,000 USD is to be considered high and suspicious
B. Unidentified third parties depositing cash to the policy
C. The regular withdrawals from the policy by the end of the month
D. A life insurance policy with a savings feature for a national from a high-risk country
E. A company established in a high-risk country contracting a policy for a domestic individual

問題 #4

Which action by a prospective customer during the account opening process requires further investigation?

A. Listing a long-distance phone number
B. Expressing knowledge of the financial industry
C. Providing a driver's license
D. Questioning reporting requirements

問題 #5

A local law enforcement officer, who is conducting a criminal investigation, requests information about a customer.
Which two actions should the bank take? (Choose two.)

A. Review the money laundering risk posed by the account
B. Close the account immediately
C. File a suspicious transaction report
D. Monitor the account for suspicious activity

問題與答案：