zzung1351의 등록된 링크

키자드에 등록된 총 1013개의 포스트를 확인하실 수 있습니다.

Naver Blog

Blacklist against China

중국기업 블랙리스트 지정외신 보도 등에 따르면 미 국방부는 중국 최대 반도체 파운드리 업체인 SMIC와 중국해양석유(CNOOC), 중국국제전자상무중심그룹(CIECC), 건설기술기업인 CCT 등 4개 중국 기업을 규제대상 블랙리스트에 올렸다.이들 이외에도 트럼프 행정부는 중국 공산당의 영향이 미치는 30여개 기업을 규제 대상으로 지정할 계획인 것으로 알려졌다.*파운드리: 다른 업체가 설계한 반도체를 생산해서 공급해 주는 사업. 일반제조업의 OEM공급과 비슷한 개념인 '수탁 반도체 제조 사업'https://n.news.naver.com/article/016/0001761189SMIC블랙리스트 지정 업체는 미국 개인이나 기업의 투자를 받지 못하고 이.......

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조지아를 잡아라

상원확보를 위한 조지아 쟁탈전미국 상원은 총 100석으로 구성되는데, 현재 공화당이 50석 민주당이 48석(민주당 성향의 무소속 2명 포함)을 차지했다. 2석이 있는 조지아 주는 결판이 아직 안 났다.조지아주는 득표율 50%를 넘기는 후보가 없을 경우 결선 투표를 하게 돼 있다. 퍼듀 의원은 대선 때 같이 치러진 상원 선거에서 49.75%의 득표율을 기록해 50%에 미치지 못했다. 뢰플러 의원은 26%의 득표율을 기록해 33%의 민주당 후보에 뒤이어 2위를 차지했다. 이곳에선 내년 1월 5일 결선 투표가 실시된다.바이든 후보가 승리하고 하원에서 민주당이 다수당을 차지한 상황이어서 트럼프 대통령과 공화당은 조지아주에 목을 맬 수밖에.......

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오메리카 카카오톡 오픈채팅

보다 편리한 뉴스 공유를 위해 카카오톡 오픈채팅을 비롯하여 여러 SNS채널을 운영중에 있습니다. 블로그에 정리되는 포스팅보다 조금 더 빠르게 뉴스가 공유되기 때문에 조금 더 신속하고 편리하게 받아보고 싶으신 분들은 아래 링크를 참조해주시기 바랍니다. 카카오톡 오픈채팅에서는 방의 멤버들도 언제든지 함께 읽어볼만한 뉴스를 공유해주실 수 있으며 좋은 의견을 공유해주실 수도 있습니다 :)다만 미국 소식 및 영어 공부에 대한 순수한 목적에서 벗어난 홍보 및 광고를 하시는 분들은 탈퇴가 진행됩니다.편하신 채널에 머물러 주시면 감사하겠습니다. 오늘도 함께 해주셔서 감사합니다.———————————————————.......

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CAMS에 도움되는 국제기구 문서 & 웹사이트

아래 문서 및 웹사이트는 Good to read이지 Must to read는 아니다. CAMS공부가 목적이라면 결국 아래의 원문 내용은 바탕으로 스터디 가이드에 정리되어있으며, 일부 내용은 원문 그대로 발췌한 경우도 많기때문에 굳이 읽어볼 필요는 없다. 하지만 읽어보면 재미있다.국제기구 문서1. Wolfsberg Anti-Money Laundering Principles for Correspondent Banking (The Wolfsberg Group, 2014): Correspondent banking에서의 AML risk 및 주의사항에 대해 되새겨볼 수 있다.https://www.wolfsberg-principles.com/sites/default/files/wb/pdfs/wolfsberg-standards/8.%20Wolfsberg-Correspondent-Banking-Principles-2014.pdf 해당 문서에서.......

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Structuring, Nesting, Stripping

StructuringStructuring is the act of parceling what would otherwise be a large financial transaction into a series of smaller transactions to avoid scrutiny by regulators and law enforcement.[1] Typically each of the smaller transactions is executed in an amount below some statutory limit that normally does not require a financial institution (https://en.m.wikipedia.org/wiki/Financial_institution) to file a report with a government agency. Criminal enterprises may employ several agents (https://en.m.wikipedia.org/wiki/Agent_(law)) ("smurfs") to make the transaction. Structuring app.......

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동상이몽

바이든 보건팀 지명비에르 베세라 캘리포니아주 법무장관을 보건복지부 장관에 지명했다고 밝혔다. 추후 공식 임명되면 미국에서 처음으로 라틴계 보건장관이 탄생한다.미국 최고의 전염병 분야 권위자인 앤서니 파우치 국립알레르기전염병연구소(NIAID) 소장은 유임하고, 코로나19 대통령 수석 의학고문도 맡는다.https://news.naver.com/main/read.nhn?mode=LS2D&mid=shm&sid1=104&sid2=232&oid=003&aid=0010228890조지아 입장브래드 래펜스퍼거 조지아주 국무장관은 7일(현지시간) 기자회견에서 "대선이 34일 지났다"며 "합법적인 투표를 세 차례 개표했고, 결.......

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[합격수기] 2. CAMS 특징 및 기타 꿀팁

CAMS 시험의 특징현직자 비중CAMS 시험은 CFA등 다른 전문가 자격증과는 달리 주로 현직자들 비중이 훨씬 높다. CFA 및 AICPA등의 국제 금융전문가 자격증만큼 난이도가 높은 편이 아니며, 해당 직무에서의 경력자가 많지 않기 때문에 자격증자체보다 경력에 더해졌을때 빛을 발하기 때문이다. 때문에 현직자가 아니고서는 약 200만원 상당의 시험비용을 지불하기는 쉽지 않다. 영어다른 국제자격증보다 영어로 인한 진입장벽이 높은 편이다. 재무나 회계 등은 학부 수업때도 원서로 배우기도 하고 또 항목 자체가 영어와 한글이 혼용되어 사용되는 경우가 많기 때문에 영어가 낯설지 않을 것이다. 영어를 못해서 CFA시험에 떨어지는 사.......

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[합격수기] 3. CAMS 신청 방법

시험 신청 방법CAMS 시험을 등록하기 위해서는 아래와 같은 세가지 절차가 필요하다.1. 멤버십 등록멤버십은 연회비를 내야하며 가격은 $295로 한화로 약 30만원 이상이다. 2. 시험 신청하기40 credit 쌓기 -> 시험 패키지 구매하기 -> application 제출하기시험을 신청하기 위해서는 40 credit을 보유하고 있어야 하는데, 학사 졸업장이 있으면 20 credit을 받을 수 있으며 나머지는 금융범죄 관련 경력 or 자격증 그리고 AML관련 교육 이수 시간으로 채울 수 있다. 금융범죄 관련 경력 or 자격증보다는 AML관련 교육 이수로 나머지 20credit을 채우는 것이 수월한데, 금융연수원 등 국가 교육기관에서 받은 교육 이수시간도.......

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트럼프, 바이든, 백신

트럼프 번복트럼프 대통령은 내년 1월 5일에 실시되는 조지아주 상원의원 선거 결선 투표를 의식해 하루 만에 입장을 번복한 것으로 보인다. 트럼프 대통령은 민주당과 공화당 중에서 어느 당이 상원의 다수당을 차지할지 결판이 날 조지아주 상원의원 2명의 결선 투표를 앞두고, 공화당 지지층의 결집을 위해 대선 불복 투쟁을 계속하면서 긴장을 최고조로 끌어올리려 한다. 트럼프 대통령은 이날 트위터에 올린 글에서 조지아주 결선 투표의 중요성을 강조하면서 12월 5일에 조지아주를 직접 방문해 유세할 것이라고 밝혔다. https://n.news.naver.com/mnews/article/022/0003527759?sid=104위스콘신 재검표 결과AP통신은 위스콘.......

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The icy challenge ahead

The icy challenge ahead화이자와 모더나가 FDA에 긴급 승인을 신청하고 연말까지는 각각 5천만, 2천만 회분의 백신 생산 계획을 밝혔지만 또 다른 넘어야 할 산이 있음. 바로 ‘유통문제’.CDC는 유통을 위해 주정부들에 $200M(한화 약 2천억원 이상)을 지원했지만, DHL같은 사설 배송업체들의 얘기를 들어보면 유통이 daunting(벅찬) 태스크라고 바라보고 있다. 백신이 어디에서 제조될 것이며, 패키징은 어떻게 할지 온도는 어떻게 유지할 지 등이 확실히지 않기 때문.화이자와 모더나의 백신은 각각 화씨 -94, -5 (섭씨 영하 70도, 20도)가 유지되어야 하며 이러한 낮은 온도를 유지하기 위한 ultra cold storage는 많은 배송업체들이.......

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Biden’s Pick

바이든 외교안보팀 발표윗줄 좌측에서부터 *국무장관: 안토니 블링컨 (버락 오바마 전 행정부에서 국무부 부장관과 백악관 국가안보 부보좌관)*국토안보부 장관: 알레한드로 마요카스 (전 국토안보부 차관, 미국 최초의 라틴계 이민자 출신 국토안보부 장관이 될 예정)*국가정보국(DNI) 국장: 에이브릴 헤인즈 (여성 최초로 미 중앙정보국(CIA) 부국장을 지낸 인물)*유엔 주재 미국 대사: 린다 토머스-그린필드 (전 국무부 차관보, 흑인 여성으로 35년 경력의 베테랑 외교관)*국가안보보좌관: 제이크 설리번 (힐러리 클린턴 전 국무장관의 참모)*기후변화 대통령 특사: 존 케리 (오바마 전 행정부에서 국무장관을 지내면서 2015년 파리 기.......

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The Dow hits 30000

다우지수 3만 돌파월스트리트저널은 이날 뉴욕증시가 세운 신기록에 대해 도널드 트럼프 대통령이 조 바이든 당선인에 대한 정권 이양 협조를 지시하면서 투자자들의 불확실성을 잠재운 덕분이라고 분석했다.또 코로나19 백신의 잇단 개발로 투자금이 이머징 마켓에 쏠린 때문이라고 평가했다.이와함께 시장친화적 인사로 꼽히는 재닛 옐런 전 연방준비제도(Fed·연준) 의장이 바이든 행정부의 초대 재무장관으로 인선된 것도 증시에 영향을 준 것으로 풀이된다.https://news.naver.com/main/read.nhn?mode=LS2D&mid=shm&sid1=104&sid2=232&oid=079&aid=0003435628트럼프의 깜짝등.......

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The losses we share / miscarriage

miscarriage: 유산영국 해리왕자의 부인인 메건 마클이 슬픔을 나누며 극복하자는 취지로 둘째 아이 유산소식을 공개하며 뉴욕타임즈에 기고를 했습니다.국내 언론에서도 해당 기고문에 대해 많이 다루고 있는데요, 기고문 원문의 마지막 단락을 가져와보았습니다. 메건 마클은 헐리우드 배우였다가 해리왕자와 결혼하며 은퇴하였고 최근에는 해리왕자와 함께 영국 왕실로부터 재정적 독립을 선언하였습니다. 메건 마클의 원래 공식 호칭은 Her Royal Highness The Duchess of Sussex였으나 독립을 하면서 HRH를 쓰지 않기로 했습니다. 원문 링크 들어가보시면 By Meghan, The Duchess of Sussex 라고 쓰여있는 것을 보실 수 있을겁니다.......

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트럼프 사면 논란

트럼프 사면 논란 (pardon: 사면)플린은 2016년 러시아의 미 대선 개입 의혹의 ‘키맨’이다. 플린은 2016년 12월 국가안보보좌관 내정자로서 세르게이 키슬라크 당시 미국주재 러시아대사와 접촉해 오바마 행정부가 부과한 대(對)러시아 제재를 해제하는 방안을 논의했다. 그러나 그는 러시아 스캔들을 수사하는 연방수사국(FBI)에 그런 적이 없다고 허위 진술을 했다.https://n.news.naver.com/mnews/article/023/0003578933?sid=104트럼프 퇴임 준비뉴욕시 퀸스에서 태어나 오랜 기간 뉴욕에서 살았던 트럼프는 지난해 주소지를 플로리다로 옮겼다. 대표적 경합주인 플로리다의 민심을 얻고, 탈세 등 수사가 진행 중인 뉴욕을.......

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추수감사절 민족 대이동

12월 14일 선거인단 투표 트럼프 대통령은 12월 14일 선거인단 투표가 있을 때까지 대선 불복 입장을 고수하겠다고 밝혔으나 오는 12월 8일에 사실상 대선 당선자가 확정된다고 뉴욕 타임스(NYT)가 지적했다. 각주의 주지사는 12월 8일까지 선거인단을 확정해 연방 의회에 통보해야 하고, 이때 선거인단의 인적 사항과 이들이 바이든과 트럼프 중 누구에게 투표할지 결정된다. 각 주는 12월 14일에 주별로 한 장소에서 선거인단 투표를 한다. 바이든 당선인은 대선 승리에 필요한 선거인단 숫자인 ‘매직 넘버 270명’을 넘어 306명의 선거인단을 확보했고, 트럼프 대통령은 232명을 확보하는 데 그쳤다.https://news.naver.com/main/read.nh.......

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QUESTION 50. What is a key risk associated with Correspondent Accounts according to the Basel

QUESTION 50 What is a key risk associated with Correspondent Accounts according to the Basel Customer Due Diligence paper? A. It is not used on a daily basis B. The service fees are insufficient to cover the cost of managing the account C. The respondent bank's customer acceptance and know your customer policies are ineffective D. The volume and value of transactions passing through the account may not be in line with the original correspondent agreement Correct Answer: C Explanation

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글로벌 펀드 포트폴리오 주식 비중

오늘자 김현석의 월스트리트 내용 중 일부"펀드매니저들의 포트폴리오 내 주식 비중은 지난 1월18일 이후 최고 수준인 46%로 치솟았습니다. 한 달 새 19%포인트 증가했습니다. 이는 2018년 1월 이후 최고치입니다. 통상 이 조사에서 '최고의 강세장'이 나타날 때 50% 수준에 달합니다. 헤지 펀드들의 주식 투자 비중도 41%로 상당히 높았습니다."출처: https://news.naver.com/main/read.nhn?mode=LS2D&mid=shm&sid1=104&sid2=232&oid=015&aid=0004451593

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Naver Blog

[합격수기] CAMS 시험을 마치고

새벽 6시에 일어나 부지런히 준비를 하고 오랜만에 광화문으로 향하는 버스에 몸을 실었다. 7시 이전이라 그런지 사람도 별로 없고 밖도 어둑어둑했다. 버스에서 내리니 갑자기 추워진 날씨에 코트 깃 사이로 찬 바람이 훅 들어왔다.부지런히 걸어 시험장 근처에 도착하니 시간이 애매하게 15분이 남았다. 시험시간 3시간 반동안 당이 떨어지는 것을 방지하고자 주변 스타벅스로 가서 핫초코를 시켰다. 따뜻한 핫초코를 홀짝이며 어제 정리한 요약노트를 한번 훑어보고는 시험장으로 향했다. 약 3시간의 시험을 마치고 (실제 시험 2시간) 나서 합격이라는 결과를 받아든 지금의 기분 상태는 생각보다는 기쁘지는 않다. 사람 마음이 참 간사한.......

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[합격수기] 1. CAMS 공부기간 및 공부방법

시험결과: PASS (score: 96)경력: 자금세탁방지 업무 경력 1년, 외국계 은행 근무 경력 2년영어: 스피킹이 유창하지는 않으나 영어 뉴스 및 자료들에 익숙해서 영어 해석에 부담은 없음. 회사에서 업무 관련 영어로 소통 경험 있음.지식: 자금세탁방지 제도 및 업무 규정에 대해 전반적인 지식은 있지만 미국의 금융감독 체계에 대해 그리고 관련 국제 기구들에 대해서는 지식이 부족했음.공부기간CAMS관련 네이버 카페에서 사람들의 합격수기를 읽어봤을때 준비기간은 평균적으로 두세달정도였으나, 한달만에 합격한 사람도 있었고 더 오랫동안 공부를 한 사람도 있었다. 시험자체가 난이도가 높은 편이 아니기 때문에 합격 결과에.......

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QUESTION 46. How should the institution respond?

QUESTION 46 In reviewing recent activity, a compliance officer for a money transmitter that several customers are each remitting the same amount of money but much more frequently. How should the institution respond? A. File a suspicious transaction report B. Instruct the tellers not to process remittances for these customers in the future C. Conduct further investigation to determine whether this is truly suspicious activity D. Immediately contact the customers and ask them why they are remitting money more often Correct Answer: C Explanation

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QUESTION 47. Which two transaction types warrant investigation?

QUESTION 47 In the summer, an institution identifies anti-money laundering concerns regarding a customer's account activity. The customer, an ice cream, has deposited a lot of checks drawn on banks in foreign countries, sent large number of high dollar international wires to different countries, made cash deposits of a few hundred dollars every few days and written multiple checks for a few hundred dollars to the same dozen payees every two weeks.Which two transaction types warrant investigation? (Choose two.) A. Regular cash deposits B. The wires to foreign countries C. Repeated chec.......

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QUESTION 48. Which three methods are commonly used by an accountant to launder money?

QUESTION 48 Which three methods are commonly used by an accountant to launder money? (Choose three.) A. Representing a client court B. Understanding income to take a tax loss C. Overstating income to hide excess cash D. Acting as a conduit for transferring cash between accounts E. Acting as a designee for someone who wishes to hide their identity Correct Answer: CDEExplanation

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QUESTION 49. Which aspect indicates potential for money laundering?

QUESTION 49 A bank located in Arizona is considering a loan application for a new client. The collateral for the loan is a property in Florida. The loan will be in the name of a limited company (LLC) whose ownership is not disclosed to the bank. The LLC was established by a New York-based attorney. The loan will be repaid by the LLC in monthly wire transfers of $9,000 which is more than the required monthly payment. Which aspect indicates potential for money laundering? A. The LLC's ownership is not disclosed to the bank B. The collateral, a property in Florida, is not located in Ariz.......

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잡생각

시험을 나흘 앞두고 여러 생각이 많아지면서 집중이 되지 않는다.책을 보다가도 회사 업무도 생각이 나고, 내 커리어에 대해서도 생각이 들고, 지금 이 소중한 순간에 잘 하고 있는게 맞나 싶기도 하고, 글은 왜 예전보다 못 쓸까 의문도 들고, 이제까지 내실이 아닌 겉멋에만 치중한게 아닌가 생각도 들고... ... .보잘것 없는 나의 경험과 자료를 공유하고 그로 인해 감사 인사도 종종 받는데 기분이 좋으면서도 내가 이런 큰 감사를 받을 만한 사람이 맞나 생각도 든다. 그렇게 나를 돌아보다보면 정말 바보같은 짓이지만 고등학교때 공부를 더 열심히 할걸 하는 후회도 한다. 그렇다면 지금 이 순간 더 많은 것을 배우고 성장하는 상황.......

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모더나와 Dow 지수 all time high

모더나와 증시백신 제조사 모더나(Moderna)가 임상실험 초기 데이터를 통해 코로나 백신이 94% 효과 있다고 발표. 다우지수는 전고점 달성 (hit all-time high) 모ㄴ더나의 소식이 그다지 놀란 소식은 아니었지만 투자자들에게 이제 코로나의 끝이 시작하고 있으며 드라마틱하게 바뀔 2021년 1분기를 향해 달려가고 있다는 것을 재확인하게 해준 것. Monday’s gains came after Moderna said preliminary trial data showed its Covid-19 vaccine was more than 94% effective“The MRNA [Moderna] efficacy wasn’t too shocking … but it simply reaffirms for investors how the beginning of the end has arrived for COVID, pav.......

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QUESTION 40. What is primary consideration the institution should keep in mind when deciding whether

QUESTION 40 An institution has made the decision to exit a client relationship due to anti-money laundering concerns. Prior to starting the close out process, the institution receives a written request from a law enforcement agency to keep the account open. The client is the subject of an ongoing investigation and law enforcement wants the institution to continue to monitor the account and report any suspicious activity. What is primary consideration the institution should keep in mind when deciding whether to agree to this request? A. The anticipated cost of complying with the law enforce.......

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QUESTION 41. How should the bank respond?

QUESTION 41 An immigrant residing in the United States opens a bank account that includes a debit card. Several months later, the transactional monitoring system identifies small deposits into the account followed by corresponding ATM withdrawals from a country bordering a conflict zone. How should the bank respond? A. Block any further activity B. File a suspicious transaction report C. Initiate an investigation into the activity D. Contact the customer if the transaction activity continues Correct Answer: C Explanation

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QUESTION 42. What are two red flags that may indicate money laundering?

QUESTION 42 A customer living in a high-risk jurisdiction makes frequent, large cash deposits at a bank. The same customer sends small wire transfers to unrelated parties in other high-risk jurisdictions. What are two red flags that may indicate money laundering? (Choose two.) A. The bank allows cash deposits B. The client resides in a high-risk jurisdiction C. Wire transfers are to high-risk jurisdiction D. Large cash deposits are from a high-risk jurisdiction Correct Answer: CD Explanation

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QUESTION 43. Is the bank's existing anti-money laundering training adequate to be delivered to

QUESTION 43 A retail bank has just acquired a credit card business. The bank's anti-money laundering policy requires that new employees are trained within 30 days of their hire date and refresher training is delivered to all employees on an annual basis. Is the bank's existing anti-money laundering training adequate to be delivered to employee of the newly acquired credit card business? A. Yes, the existing training covers the bank's policies, procedures, and processes. B. No, anti-money laundering training needs to be delivered face-to-face for credit card businesses. C. No.......

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QUESTION 44. Which method do terrorist financiers use to move funds without leaving an audit trail?

QUESTION 44 Which method do terrorist financiers use to move funds without leaving an audit trail? A. Extortion B. Cash couriers C. Casa de cambio D. Virtual currency Correct Answer: B Explanation

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QUESTION 45. Why do governments and multi-national bodies impose economic sanctions?

QUESTION 45 Why do governments and multi-national bodies impose economic sanctions? A. To impede kleptocracy B. To enforce foreign policy objectives C. To combat an imminent terrorist threat D. To prevent fraudulent international trade transactions.Correct Answer: B Explanation

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QUESTION 35. Which two aspects should be included in the policy in respect of intermediaries to

QUESTION 35 The compliance officer for a private bank has been tasked with writing a policy on how the bank will deal with intermediaries. Which two aspects should be included in the policy in respect of intermediaries to align it with the Wolfsberg Anti-Money Laundering Principles for Private Banking? (Choose two.) A. When an intermediary introduces clients to the bank, it is not necessary for the bank to perform due diligence on the intermediary's clients. B. Where an intermediary introduces clients to the bank, the bank must obtain the same type of information with respect to an in.......

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QUESTION 36. Which information must Bank A obtain under the USA PATRIOT Act?

QUESTION 36 A non-U.S. bank wants to open an account at Bank A, which is a U.S.-based bank. Which information must Bank A obtain under the USA PATRIOT Act? A. A complete client list from the non-U.S. bankB. The identity of owners and percentage of ownership of the non-U.S. bank C. The structure and identity of the management team at the non-U.S. bank D. The details of the non-U.S. bank's anti-money laundering compliance training program Correct Answer: CExplanation

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QUESTION 37. Which insurance product is particularly vulnerable to money laundering?

QUESTION 37 Which insurance product is particularly vulnerable to money laundering? A. AnnuityB. CasualtyC. CollateralD. Regulated pension Correct Answer: A Explanation

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QUESTION 38. What is an essential element of Know Your Customer (KYC) standards according to the

QUESTION 38 What is an essential element of Know Your Customer (KYC) standards according to the Basel Committee's Customer Due Diligence for Banks paper? A. Annual staff training B. A customer acceptance policy C. The same KYC requirements must be applied in all cases D. All completed KYC documents must be reviewed by a senior manager not involved in the account opening process Correct Answer: B Explanation Explanation/Reference: Reference: https://www.bis.org/publ/bcbs77.pdf

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QUESTION 39. What must the foreign bank provide to the U.S. bank under the USA PATRIOT Act?

QUESTION 39 A foreign bank operating under an offshore license wants to open a correspondent account with a United States (U.S.) bank. The foreign bank plans to provide payable through account services to some of its customers. What must the foreign bank provide to the U.S. bank under the USA PATRIOT Act? A. A list of politically exposed persons who are owners of the correspondent bank B. A list of account holders at the financial institution who will use the payable through account C. The person in the United States who can receive service of legal process for the correspondent bank D. A .......

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영어 문제 포스팅이 계속 올라오는 이유

블로그 구독자분들 안녕하세요.먼저 제 블로그를 구독해주셔서 너무도 감사드립니다. 다름이 아니라 제가 다음주에 시험이 하나 있어서 문제풀이를 하나씩 포스팅하고 있습니다. 하루에 30-40개씩 올리고 있어서 아마 피드에 많이 보이실텐데요, 토요일까지는 모두 마무리 하려고 하니 피드 보실때마다 조금 언짢으셔도 조금만 참아주시면 감사하겠습니다 ️그럼 남은 오후도 즐겁게 보내세요!

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I could feel his heart beating through his back

미국의 유명한 토크쇼 지미 팰런쇼의 지미 팰런이 무대를 마친 뷔와 포옹하며 손으로 느낀 BTS의 열정. 거친 숨과 쿵덕이는 심장소리.https://youtu.be/7am3mU2ynzAI could feel his heart beating through his back (0:21)인생은 방탄처럼

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CDD & Tipping-off (FATF 권고안 발췌)

INTERPRETIVE NOTE TO RECOMMENDATION 10(CUSTOMER DUE DILIGENCE) A. CUSTOMER DUE DILIGENCE AND TIPPING-OFF1. If, during the establishment or course of the customer relationship, or when conducting occasional transactions, a financial institution suspects that transactions relate to money laundering or terrorist financing, then the institution should: (a) normally seek to identify and verify the identity of the customer and the beneficial owner, whether permanent or occasional, and irrespective of any exemption or any designated threshold that might otherwise apply; and b) make a suspicio.......

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Wolfsberg Anti-Money Laundering Principles for Correspondent Banking (2014)

출처: https://www.wolfsberg-principles.com/sites/default/files/wb/pdfs/wolfsberg-standards/8.%20Wolfsberg-Correspondent-Banking-Principles-2014.pdfWolfsberg Anti-Money Laundering Principles for Correspondent Banking 1. Preamble The Wolfsberg Group of International Financial Institutions has agreed that these Principles constitute global guidance on the establishment and maintenance of Foreign Correspondent Banking relationships. It is noted that these principles are not intended to address the risks associated with Domestic Correspondent relationships. The Wolfsberg Group believes that adher.......

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Veterans Day, Bad in a different way

조지아 재검표블룸버그 통신에 따르면 현재 바이든은 '러스트벨트'를 모두 가져가면서 현재 290명의 선거인단을 확보한 상태다.16명의 선거인단이 걸린 조지아주가 트럼프로 간다고 해도 선거인단은 이미 확보한 상태다.https://n.news.naver.com/mnews/article/009/0004693850?sid=104Veterans Day재향군인의 날은 제1차 세계대전에 참전했던 미군 병사들을 추모하기 위한 목적에서 마련되었으며 처음에는 휴전기념일(Armistice Day)이라고 불렸다. 재향군인의 날은 11월 11일이며 이 날은 1918년 1차 세계대전이 종전된 날이었다. 그러나 지금은 미국이 과거 참전했던 모든 전쟁의 재향 군인들을 기념하는 행사가 되.......

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귀인을 만나다

현 직무에 관심을 가지게 된 것은 단순히 금전적 보상 혹은 워라벨 등의 근무환경으로서의 요소를 바라봤던 것은 아니다. 세계적인 흐름 속에서 이 일이 왜 중요한지 그리고 나의 성향과 얼마나 잘 맞는지에 대한 비전이 있었다. 그래서인지 국내를 넘어선 글로벌 이슈에 대해 꾸준히 관심이 갔으며 그 가운데서 국제적인 표준을 마련하도 제도를 정비해가는 사람들을 동경해왔다.내가 그러한 길을 걷기에는 출발선이 다르다고 생각했다. 대신 내가 몸담고 있는 업계에서의 전문성을 길러야겠다고 생각했다. 훗날 그러한 분들에게 이 업계에 대한 인사이트를 공유할 수 있을 만한 수준으로 말이다. 아직 나는 그정도의 경지에 이르지 못했다.......

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미국 vs. 중국, 한국의 선택은?

미중 러브콜RCEP는 중국이 주도해 추진 중인 세계 최대 규모의 자유무역협정(FTA)이다. RCEP는 동남아시아국가연합(ASEAN·아세안) 10개국과 한국·중국·일본·호주·뉴질랜드 등 15개 국가가 참여하며, 세계 인구의 3분 1인 23억명을 포괄한다.중국은 자신들이 주도하는 FTA인 RCEP협정 체결에 2012년부터 공을 들여왔다. RCEP은 2010년 미국이 추진한 환태평양경제동반자협정(TPP)에 대한 대항마적 성격이 강하다. 그래서 시 주석이 이번 서명식에 직접 나선 것은 미국의 고립전략을 뚫기 위해 우군 확보에 나선 것으로도 평가된다.문제는 미국이 주도해 TPP에 바이든 행정부가 복귀할 가능성이 높다는 점이다. 2017년 트럼프 행정부는 TPP 탈.......

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QUESTION 28. To whom should the investigator escalate these concerns?

QUESTION 28 Upon a routine account review a money laundering investigator identified a number of large round dollar wire transfer deposits into a business account owned by a local auto repair shop. The wire transfers all originated from a country that is a known financial secrecy haven with poor anti-money laundering controls. The investigator concludes there appears to be no legitimate business purpose for the wire transfers and files a suspicious transaction report. The owner of the auto repair shop is popular in the community and is a well-known philanthropist. To whom should the investig.......

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QUESTION 29. A compliance officer learns from an Information Technology (IT) source of a potential

QUESTION 29 A compliance officer learns from an Information Technology (IT) source of a potential new financial service being discussed by the new product approval committee. What is the correct next course of action? A. Request that the new product approval committee include the compliance officer. B. Go to the board of directors and try to shut the new service down immediately because the committee did not communicate with the compliance officer. C. Get as much information as possible from the source so that potential risks can be researched and a report prepared and presented to the hea.......

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QUESTION 30. What is the goal of the Egmont Group in providing a forum for Financial Intelligence

QUESTION 30 What is the goal of the Egmont Group in providing a forum for Financial Intelligence Units (FIUs) around the world? A. To improve international laws to combat money laundering and the financing of terrorism and foster the implementation of domestic programs. B. To provide a forum for FIUs to improve cooperation in the fight against money laundering and the financing of terrorism and to foster the implementation of domestic programs in this field. C. To improve communication with law enforcement in the fight against money laundering and the financing of terrorism and to foster the.......

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*QUESTION 31. Which transaction is considered a red flag for potential money laundering?

QUESTION 31 A compliance officer at an insurance company has been reviewing the transaction activity of several clients. Which transaction is considered a red flag for potential money laundering? A. A client paid the quarterly life insurance premium using money orders from two different banks. B. A client from a high-risk jurisdiction recently purchased property insurance for a real-estate development. C. A corporation owns several affiliates and recently opened separate group life insurance policies for each of the affiliates. D. A client established a $100,000 charitable annuity with a non.......

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QUESTION 32. How should the branch manager respond to this activity?

QUESTION 32 The branch manager notices that a number of customers come in weekly and always use the same teller to process their deposits. The manager notices that the customers and the teller, who are from the same ethnic group, are speaking in a foreign language and every once in a while the customers from local ethnic restaurants will bring the teller lunch. The commercial customers that visit the teller generally deposit the same amount of cash each time they come in. How should the branch manager respond to this activity? A. Transfer the teller to another branch B. Conduct further inv.......

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QUESTION 33. The law enforcement official requests information about the customer. How should the

QUESTION 33 A law enforcement official calls a bank inquiring about a customer who is currently under investigation. The law enforcement official requests information about the customer. How should the bank respond? A. Confirm the customer is either a current or former customer B. Inform the board of directors before responding to the request C. Provide the requested information to help aid in the investigation D. Request a formal letter be submitted to verify the validity of the request Correct Answer: DExplanation

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QUESTION 34. Which red flag should prompt additional transactional review?

QUESTION 34 A bank compliance officer has implemented enhanced monitoring rules that have identified some unusual activity that may be indicative of human trafficking. Which red flag should prompt additional transactional review? A. Wire transfer activity from countries with significant migrant populations B. Cash deposits that occur in cities where the customer resides and conducts business C. Cash deposits that occur in cities where the customer does not reside or conduct business D. Cash deposits that occur in cities where the customer does not reside or conduct business followed by sam.......

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QUESTION 24. Which two steps should be taken to trace funds through the bank to assist law

QUESTION 24 A United States (U.S.) bank was recently alerted by law enforcement of an increase in sale of large denomination U.S. bank notes to casas de cambio. They suspect that a Mexican syndicate is operating a money laundering scheme in the bank's jurisdiction. Which two steps should be taken to trace funds through the bank to assist law enforcement in their investigation? (Choose two.) A. Identify the money laundering scheme and submit a suspicious transaction report B. Identify if there is a decrease in the sale of large denomination U.S. bank notes to casas de cambio by the ban.......

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*QUESTION 25. Which two factors assist a money laundering investigation that involves multiple

QUESTION 25 Which two factors assist a money laundering investigation that involves multiple countries? (Choose two.) A. Law enforcement and other authorities should have access to financial information that is pertinent to the investigation. B. Every country should share all their information with foreign law enforcement and government authorities to facilitate rapid investigations. C. Law enforcement and other authorities should be allowed to establish and utilize joint investigative teams with law enforcement in other countries. D. Law enforcement and other authorities should not expedite.......

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법 집행기관/수사기관의 책임와 권력 (FATF 권고안 발췌)

https://www.fatf-gafi.org/media/fatf/documents/recommendations/pdfs/FATF%20Recommendations%202012.pdf30. Responsibilities of law enforcement and investigative authorities Countries should ensure that designated law enforcement authorities have responsibility for money laundering and terrorist financing investigations within the framework of national AML/CFT policies. At least in all cases related to major proceeds-generating offences, these designated law enforcement authorities should develop a pro-active parallel financial investigation when pursuing money laundering, associated predicat.......

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QUESTION 26. Which red flag should trigger additional investigation?

QUESTION 26 A popular restaurant in town has begun depositing less cash than it has in prior years. In a review of the customer's accounts, you notice that credit card receipts have increased with no explanation. The account officer discovers that the restaurant has installed a privately-owned automated teller machine (ATM) onsite and has begun construction on a patio dining area. Which red flag should trigger additional investigation?A. Privately-owned ATM B. Lower cash deposits C. Increased credit card receipts D. Construction of the new patio dining area Correct Answer: C Explana.......

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QUESTION 27. An organization's automated surveillance system identifies large fluctuations in

QUESTION 27 An organization's automated surveillance system identifies large fluctuations in customer activity. As a result of an audit, the compliance officer is informed that the system is not generating alerts when activity is consistently abnormal over a long period of time. Currently the organization is evaluating new alert scenarios in an attempt to address this problem. Which type of scenario is helpful in mitigating this weakness? A. PeerB. IncomeC. MappingD. Below-the-line Correct Answer: CExplanation

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(D-12~-5) 금주 계획 '죽었다 ' - 진행중

지난 주에 깨달았다. 내가 이제까지 D-를 D+로 쓰고 있었다는 것....이번주부터는 'D-'형식에 제대로 맞춰서 써보아야지....후우... 11/09 (D-12) Exam a 11/10 (D-11) Exam a 마무리 & Exam B 30문제까지 11/11 (D-10) Exam B 70문제까지 11/12 (D-9) Exam B 110문제까지 11/13 (D-8) Exam B 마무리 & Exam C 30문제까지 11/14 (D-7) Exam C 마무리 & 헷갈리는 개념 정리 11/15 (D-6) 스터디 가이드 2회독우선은 CERTbus를 한번씩은 다 보는걸 목표로 해서 그걸 기반으로 헷갈리는 내용들에 대해 깊게 본 후에 마지막으로 스터디 가이드로 정리를 하려고 한다. 차주에는 CERTbus 문제 2회독 + 스터디가이드 3회독으로 가.......

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QUESTION 13. Which aspect of the USA PATRIOT Act impacts foreign financial institutions?

QUESTION 13 Which aspect of the USA PATRIOT Act impacts foreign financial institutions? A. Requiring enhanced due diligence for foreign shell banks B. Expanding sanctions requirements to a U.S. financial institution's foreign branches C. Expanding the anti-money laundering program requirements to all foreign financial institutions D. Providing authority to impose special measures on institutions that are of primary money-laundering concern Correct Answer: DExplanation Explanation/Reference: Reference: https://www.imf.org/external/np/leg/sem/2002/cdmfl/eng/tompki.pdf (8)

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QUESTION 14. The compliance officer at a crowd funding website is in charge of monitoring new crowd

QUESTION 14 The compliance officer at a crowd funding website is in charge of monitoring new crowd funding projects. Recently, the number of crowd funding projects has significantly increased. Which red flag indicates the highest anti-money laundering risk? A. Those with the largest number of donors B. Projects that get funding within days of their start C. Projects with the highest monetary success threshold D. Projects that start and close and are fully funded within a very short period Correct Answer: D Explanation

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QUESTION 15. Which two statements in the Wolfsberg Group's "Suppression of the Financing of

QUESTION 15 Which two statements in the Wolfsberg Group's "Suppression of the Financing of Terrorism" define the role financial institutions should play in the fight against terrorism? (Choose two.) A. Financial institutions need to assist competent authorities in fighting terrorist financing through prevention, detection and information sharing. B. Financial institutions need to continuously analyze the types of activity related to terrorist financing and develop models that in the long term will drive down terrorism. C. Financial institutions should have financial intelligen.......

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QUESTION 16. What is the appropriate compliance control for identifying politically exposed persons

QUESTION 16 What is the appropriate compliance control for identifying politically exposed persons (PEPs) according to the Basel Committee's paper on Customer Due Diligence for Banks? A. Determining that a local figure is a PEP B. Reviewing when a relationship is established C. Reviewing relationships at account opening and on a periodic basis D. Requiring that the customer discloses that they are a PEP or an associate of a PEP Correct Answer: C Explanation Explanation/Reference: Reference: http://www.menafatf.org/sites/default/files/Newsletter/PEPs_in_relat_on_to_AMLCFT.pdf 구글에.......

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QUESTION 17. What are two sources for maintaining up-to-date sanctions information?

QUESTION 17 What are two sources for maintaining up-to-date sanctions information? (Choose two.) A. U.S. Federal Bureau of Investigation's National Security Letters B. U.S. Department of the Treasury Office of Foreign Assets Control C. U.S. Department of the Treasury Section 311 Special Measures D. Financial Action Task Force's list of High Risk and Non-Cooperative Jurisdictions Correct Answer: BD Explanation

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*QUESTION 18. A bank has maintained an account for a European charity for several years.

QUESTION 18 A bank has maintained an account for a European charity for several years. The charity provides clothing to persons in need in various countries with active terrorists' cells. Which action by the charity indicates possible terrorist financing? A. The charity frequently withdraws cash from the bank B. The charity has branch locations located in various countries C. The charity receives cash donations primarily from European countries D. The charity maintains a bank account for non-business-related expenses Correct Answer: B Explanation Explanation/Reference: Reference: ht.......

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QUESTION 19. A politically exposed person (PEP) maintains an account at a bank. Last month a money

QUESTION 19 A politically exposed person (PEP) maintains an account at a bank. Last month a money laundering analyst filed a suspicious transaction report about unusual wire deposits originated by unknown individuals in the home country of the official. To whom should this situation be escalated? A. The board of directors B. The line of business executive C. The bank's anti-money laundering officer D. The Financial Action Task Force's PEP Hotline Correct Answer: C Explanation

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QUESTION 20. Which two individuals are ordinarily beneficial owners of a private banking account

QUESTION 20 Which two individuals are ordinarily beneficial owners of a private banking account according to the Wolfsberg Anti-Money Laundering Principles for Private Banking? (Choose two.) A. Those two are authorized signers on the account B. Those who have legal title to a controlling share interest in the customer C. Those who generally have ultimate control through ownership or other means over the funds in the account D. Those who are the ultimate source of funds for the account and whose source of wealth should be subject to due diligence Correct Answer: CD Explanation Explanati.......

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QUESTION 21. What are two requirements for monitoring and reporting suspicious activity for

QUESTION 21 What are two requirements for monitoring and reporting suspicious activity for correspondent banking according to the Wolfsberg Principles? (Choose two.) A. Incorporate suspicious activity monitoring into periodic reviews B. Incorporate due diligence results such as customer risk ratings C. Utilize downstream correspondents to investigate and report suspicious activity D. Investigate and report suspicious activity only for the correspondent bank's clients Correct Answer: BC Explanation

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QUESTION 22. When should the anti-money laundering risk assessment be updated?

QUESTION 22 When should the anti-money laundering risk assessment be updated? A. Every two years B. After a merger or acquisition C. When the board of directors changes D. When instructed to by the Financial Action Task Force Correct Answer: B Explanation Explanation/Reference: Reference: https://www.wolfsberg-principles.com/sites/default/files/wb/pdfs/faqs/17.%20Wolfsberg-Risk- Assessment-FAQs-2015.pdf 첨부된 링크의 관련 내용은 아래와 같다.Additional risk factors can have an impact on operational risks and contribute to an increasing or decreasing likelihood of breakdowns in key AML.......

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QUESTION 23. A customer brings $15,000 worth of chips into a casino and plays various games.

QUESTION 23 A customer brings $15,000 worth of chips into a casino and plays various games. The customer redeems all the remaining chips and requests a wire transfer of the proceeds to an unrelated third party. What are two red flags that indicate money laundering? (Choose two.) A. Customer redeeming all remaining chips B. Playing various games before cashing out C. Bringing $15,000 worth of chips into the casino D. Requesting a wire transfer to an unrelated third party Correct Answer: AD Explanation

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QUESTION 134. In May 2002, the Wolfsberg Principles on Private Banking were revised and included

QUESTION 134 In May 2002, the Wolfsberg Principles on Private Banking were revised and included a section that prohibits the use of internal non-client accounts in a manner that would prevent officials from appropriate monitoring movements of funds or keep clients from being linked to the movement of funds on their behalf. What is another name for these internal, non-client accounts? A. Trust accounts B. Correspondent accounts C. Concentration accounts D. Pay through accounts Correct Answer: C Explanation

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QUESTION 135. What are three potential issues for foreign financial institutions maintaining

QUESTION 135 What are three potential issues for foreign financial institutions maintaining correspondent accounts with U.S. banks under the Patriot Act? Choose 3 answers A. Cancellation of correspondent banking relationships B. Forfeiture of funds in a U.S. interbank account C. Prohibition of correspondent accounts for shell banks D. U.S. residents maintaining private banking accounts Correct Answer: ABC Explanation

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QUESTION 136. What poses the greatest money laundering risk for a financial institution offering

QUESTION 136 What poses the greatest money laundering risk for a financial institution offering on-line services to customers? A. There is a greater difficulty in matching the customer with the provided identification documentation B. There is a lack of human review of the customer’s transactions C. Institutions offering on-line services have no possibility to properly verify the identity of their customers D. Customers have direct access to their accounts without being detected Correct Answer: AExplanation

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QUESTION 1. A bank account is established for a new business customer. The business was established

QUESTION 1 A bank account is established for a new business customer. The business was established five years ago with an address in another state. The business website contains few details other than stating it is a real estate business. One principal has an international telephone number and appears to be living in another country. The other principal works out of a recreational vehicle. What warrants enhanced due diligence in this scenario? A. Shell company B. Human trafficker C. Politically exposed person D. Money laundering through real estate Correct Answer: A Explanation princip.......

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*QUESTION 2. A branch manager for a small community bank has a new customer who deposits for

QUESTION 2 A branch manager for a small community bank has a new customer who deposits for EUR 50,000 checks into one account. Shortly thereafter, the customer goes to another branch and asks to transfer all but EUR 1,500 to three accounts in different foreign jurisdictions. Which suspicious activity should be the focus of the suspicious transaction report? A. The customer opened the account with four large checksB. The customer goes to a different branch to make this transaction C. The customer transfers almost all of the funds out of the account D. The customer asks to transfer funds to .......

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QUESTION 3. A government has instituted a new anti-money laundering laws which require all financial

QUESTION 3 A government has instituted a new anti-money laundering laws which require all financial institutions to obtain certain information from its customers. Which step should an institution located in this jurisdiction take to ensure compliance? A. Change procedures to require that the necessary information is obtained B. Change procedures and systems as necessary and provide employee training C. Send a notice to customers asking them to provide the necessary information D. Change systems to ensure the required information is automatically obtained from all customers Correct Answer: .......

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QUESTION 4. An anti-money laundering audit identifies a significant weakness in how transaction

QUESTION 4 An anti-money laundering audit identifies a significant weakness in how transaction monitoring alerts are cleared. Audit sampling identified potentially suspicious activity that was cleared as not suspicious. Management accepts the audit finding and develops a remediation plan. What is the role of the auditor during the correction phase?A. Directing the remediation of the deficiency in a timely manner B. Developing procedures to provide sufficient risk-based documentation for clearing alerts C. Providing training to the alert clearing department on the importance of effective al.......

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QUESTION 5. Which method to launder money through deposit-taking institutions is closely associated

QUESTION 5 Which method to launder money through deposit-taking institutions is closely associated with international trade? A. Forming a shell company B. Using Black Market Peso Exchange C. Structuring cash deposits withdrawals D. Investing in legitimate business with illicit funds Correct Answer: B Explanation Explanation/Reference: Reference: http://fraudaid.com/Dictionary-of-Financial-Scam-Terms/black_market_peso_exchange.htm

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QUESTION 6. A customer opens a corporate account with a broker-dealer on behalf of several

QUESTION 6 A customer opens a corporate account with a broker-dealer on behalf of several beneficial owners, with a stated long-term investment goal. The customer deposits $25.5 million into the account and three days later transfers $5 million to an overseas bank. Shortly thereafter, the customer begins making numerous purchases of pesos. The compliance officer receives a query regarding the movement of funds. Within a month of account opening, the customer depletes the account. Which two red flags should prompt the firm's compliance officer to take action? (Choose two.) A. The new a.......

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QUESTION 7. What should countries do to help prevent non-profit organizations from being abused for

QUESTION 7 What should countries do to help prevent non-profit organizations from being abused for the financing of terrorism according to the Financial Action Task Force 40 Recommendations? A. Allow for freezing assets of non-profit organizations B. Require all non-profit organizations to register with the country's financial intelligence unit C. Ensure non-profit organizations cannot be used to conceal or obscure the diversion of funds intended for legitimate purposes to terrorists' organizations D. Create laws that forbid non-profit organizations from completing cross-border tra.......

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QUESTION 8. An employee hears a colleague on the telephone with a customer giving advice on how to

QUESTION 8 An employee hears a colleague on the telephone with a customer giving advice on how to ensure that a suspicious transaction report will not be filed as a result of a future transaction. What action should the employee take? A. Report the conversation to the local police B. Report the conversation to the compliance officer C. Tell the colleague that it is against policy to give such advice D. Ignore the situation because the colleague is the relationship manager for that customer Correct Answer: BExplanation given answer은 C이지만 당연히 정답은 B라고 생각했고, examtopcis에서도.......

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QUESTION 9. The USA PATRIOT Act requires United States (U.S.) financial institutions to collect

QUESTION 9 The USA PATRIOT Act requires United States (U.S.) financial institutions to collect certain information from non-U.S. banks that hold a correspondent account. Which two pieces of information must a non-U.S. bank provide to its U.S. correspondent to enable them to comply with this requirement? (Choose two.) A. The name and address of all shell banks the bank maintains accounts for B. The name and address of all beneficial owners who own 25% or more of the bank C. Prompt notice of any suspicious activity it detects on any customer who uses the correspondent account D. The name and.......

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QUESTION 10. What are two legal risks of having inadequate privacy policies and procedures?

QUESTION 10 What are two legal risks of having inadequate privacy policies and procedures? (Choose two.) A. Diminished reputation B. Industry of regulatory sanctions C. Charges of deceptive business practices D. Higher marketing and public relations costs Correct Answer: BC Explanation given answer은 AB이지만 정답은 BC. p.8에 A에 해당하는 reputational risk는 별도로 서술되어있음.

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QUESTION 11. The vice president of the foreign correspondent banking department at a large United

QUESTION 11 The vice president of the foreign correspondent banking department at a large United States bank has been notified that a foreign bank with an offshore license wants to open a correspondent account. Which two things must the vice president acquire under the USA PATRIOT Act? (Choose two.) A. A list of all the customers of the correspondent bank B. A list of the types of businesses served by the correspondent bank C. Information relating to the foreign bank's anti-money laundering program D. The identity of 10% owners of the correspondent bank, unless it is publicly traded C.......

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QUESTION 12. What is an example of the integration stage of money laundering involving a bank or

QUESTION 12 What is an example of the integration stage of money laundering involving a bank or another deposit- taking institution? A. Depositing illicit funds into an account set up for a front company B. Directing third parties to exchange illicit cash for negotiable instruments C. Wiring illicit funds from an account at one bank to an account at another bank D. Using illicit funds that had previously been deposited to purchase a luxury vehicle Correct Answer: D Explanation Explanation/Reference: Reference: https://www.moneylaundering.ca/public/law/3_stages_ML.php

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Exam A. Question 15. Which three statements are true regarding the extraterritorial reach of laws ..

Which three statements are true regarding the extraterritorial reach of laws and legislation of the U.S.? A. The criminal anti-money laundering law can apply to transactions that occur partially overseas B. Economic and trade sanctions by OFAC may pose extraterritorial risks for financial institutions and businesses outside the U.S. C. The extraterritorial reach covers all transactions throughout the global economy D. The defendant does not need to know the funds came from an illegal activity under state, federal or foreign law 정답: ABDC all transactions라는 말도 이상하지만 D의 does not.......

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Exam A. Question 16. What is a criterion for FATF membership?

What is a criterion for FATF membership? A. The country should be democracy B. The country should be amember of a FATF-style regional body C. The country should have already implemented all of the FATF Recommendations D. The country should have already implemented the standards of the European Union Directives 정답: BThe following criteria are applied before considering a country as a potential candidate for FATF membership. a) The jurisdiction should be strategically important based on quantitative and qualitative indicators and additional considerations. — Quantitative Indicators &g.......

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Exam A. Question 17. According to the Second European Union Money Laundering Directive, what may ..

According to the Second European Union Money Laundering Directive, what may knowledge of criminal conduct be inferred from? A. Subjective, factual circumstances B. Objective, factual circumstances C. Objective, non-factual circumstances D. Subjective, non-factual circumstances 정답: BIt clarified that knowledge of criminal conduct can be inferred from objective factual circumstances.

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Exam A. Question 18. In which type of banking transaction is price manipulation, as a form of money

In which type of banking transaction is price manipulation, as a form of money laundering, a common practice? A. Redeeming an annuity B. Sending a wire transfer C. Issuing a letter of credit D. Subscribing to a cashmanagement account 정답: CLetters of credit are another vehicle for money laundering. Letters of credit are a credit instrument issued by a bank that guarantees payments on behalf of its customer to a third party when certain conditions are met. Letters of credit are commonly used to finance export because exporters want assurance that the ultimate buyer of its goods will make.......

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Exam A. Question 19. Which two aspects of the security broker dealer industry increase its exposure

Which two aspects of the security broker dealer industry increase its exposure to money laundering? Choose 2 answers A. The routine use of wire transfers from, to or through multiple jurisdictions B. They easy conversion of holdings to cash with significant loss of principal C. Disposing of cash through securities purchases D. Fast paced transactions conducted electronically 정답: AD이 문제 또한 논란의 여지가 많다. CERTbus에서는 정답을 CD로 제공하고 있지만 인터넷상에서 많은 이들은 AD가 정답이라고 얘기하고 있다. examtopics에서 일부는 증권거래 자체는 wire transfer을 통해 이루어지는게 아니.......

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Exam A. Question 20. To ensure that an institution's anti-money laundering program is current,

To ensure that an institution's anti-money laundering program is current, which step should be taken? A. The program should be evaluated and updated at least every six months be the Board of Directors B. The program should be reviews by a federal law enforcement officer for gaps in controls C. The programshould be sent to the institution's government regulator on a periodic basis D. The program should be reassessed at least annually 정답: DAssessing AML/CFT is an ongoing and evolving component of maintaining a compliant AML/CFT program. Evaluating the risk-scoring model and con.......

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6 battlegrounds 뭣이 그리 중한디

미국 대선에서는 “위스콘신, 미시간, 펜실베니아 & 선벨트*에 해당하는 아리조나, 플로리다, 노스캐롤라이나” 총 6개주는 대해 6 key battlegrounds라고 여겨진다. 6개의 경합주에 할당된 총 선거인수는 101개로 대통령 선거에서 이겨야 하는 최소 선거인단 수인 270의 절반가까이를 차지하고 있기 때문이다. *선벨트: 기온이 따뜻하고 일조량이 많은 미국 남부 15개 주에 걸쳐 있는 지역. '태양이 비치는 지대'라는 뜻으로 미국 대륙의 남쪽에 위치하는 지역을 가리킨다 (두산백과)그런데 어짜피 바이든이 전국적으로 여론 조사에서 트럼프보다 앞서고 있고 사전투표율도 2016년 대선때 투표에 참여한 1억 3650명의 66%나.......

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Exam A. Question 21. A prospective AML officer comes highly recommended by a bank's up-stream ..

A prospective AML officer comes highly recommended by a bank's up-stream correspondent institution of similar size and make-up, located in a different city in the same country. The bank is interested in hiring the individual.What should be the next step taken by the Board of Directors? A. Do a thorough background check B. Confer with its regulatory agency to determine whether it is appropriate to hire the person C. Hire the individual, relying on the recommendation of its correspondent D. Hire the individual on a probationary basis so that the institution can determine if the individual.......

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Exam A. Question 22. Which type of transactions present the higher risk?

Which type of transactions present the highest risk? A. Wire transfers from a publicly listed compay B. Payroll payments C. Social insurance payments D. Foreign exchanges 정답: DMoney launderers use money remitters and currency exchanges to make the funds available to the criminal organization at the destination country in the local currency. The launderer/broker then sells the criminal dollars to foreign businessmen wishing to make legitimate purchases of goods for export. p.27 MONEY SERVICES BUSINESSES

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Exam A. Question 23. According to experts, what is the most effective way to prevent money launderin

According to experts, what is the most effective way to prevent money laundering through financial institutions? A. Ensuring that transaction monitoring systems can identify terrorist financing B. Collecting information on beneficial owners and foreign customers C. Instituting a policy prohibiting the acceptance of funds intended for terrorist financing D. Implementing a sound customer due diligence program 정답: D

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Exam A. Question 24. What should a bank focus on to ensure on-going compliance with its AML program?

What should a bank focus on to ensure on-going compliance with its AML program? A. It should ensure that it develops and provides on-going targeted training of all current and new employees B. It should subject all new employees to criminal background checks before being hired C. It should review and update its transaction monitoring system D. It should ensure that the regulators have reviewed and have approved the bank's AML program 정답: ACommonly referred to as the four pillars, the basic elements that must be addressed in an AML/ CFT program are · a system of internal policies.......

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미국 대선 개표결과 확인은 어디가 좋을까 - USA Today, CNN, NBC

오늘 6개의 경합주의 중요성에 대해 공유드린 바 있는데요, 아래 USA today링크에서 6개의 경합주를 중심으로 & 50개주의 현황에 대해 업데이트 될 예정입니다. 유튜브에 election result라고 치면 아마 많은 채널들이 실시간으로 개표 현황을 방송해줄텐데요, 결과가 나오기까지 짧으면 수일에서 길게는 수주가 걸릴 예정이오니 라이브 시청보다 때때로 현황을 체크해보고싶으신 분들께 아래의 링크들을 추천하고 싶습니다.웹사이트 기반의 개표 결과 현황을 정리하여 보여주는 매체들도 많을텐데요, 그 중에서 세가지 정도만 추려보았습니다. 50개 주의 지도를 기반으로 현황을 시각화하여 보여주는 것은 대체로 비슷합니다. 다만 지도에.......

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Naver Blog

Exam A Question 1. How do drug traffickers and other criminals use the fine art industry to disguise

How do drug traffickers and other criminals use the fine art industry to disguise illicit proceeds? A. They use forged or fraudulent invoicing of priceless works of art by auction houses B. They commingle legitimate and illicit proceeds by principals for payment of fine art C. They immediately resell priceless works of art after purchase from a foreign auction house D. They use anonymous agents to buy the art and have the payment wired from offshore havens 정답: DThe multi-million-dollar fine art industry can also serve as a convenient money laundering vehicle. Anonymous agents at art auctio.......

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Naver Blog

Exam A. Question 2. An anti-money laundering specialist at a large institution is responsible for

An anti-money laundering specialist at a large institution is responsible for informationing senior management about the status of the anti-money laundering program across the organization. Which report is the most useful? A. The total credit exposure for non-cooperative countries and territories B. Results of related audits and examinations C. Details on inquires received from law enforcement D. Notification of management changes in the different major divisions 정답: BCommonly referred to as the four pillars, the basic elements that must be addressed in an AML/ CFT program are a sys.......

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Exam A. Question 3. What is most valuable when using the internet as an investigative source?

What is most valuable when using the internet as an investigative source? A. A team of AML investigators B. A reference list of websites known to yield credible information C. A combination of independent thinking and technical skills D. A powerful search engine 정답: Byield credieble information: 믿을만한 정보를 산출하다The Internet is increasingly being used to source information as part of internal investigations. A focused approach to searching reliable and reputable sources can provide useful third-party information and additional context to the files held by the financial institution.......

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Exam A. Question 4. What should senior management do in order to promote a culture of anti-money

What should senior management do in order to promote a culture of anti-money laundering compliance? A. They should include compliance with AML procedures as condition of employment B. They should attend all training sessions with front-line employment C. They should have close ties with the independent auditors of the AML program D. They should base employee compensation on the amount of suspicious activity they detect 정답: AB,C,D가 정답이라고 하기에는 옳지 않아 보여서 A를 택했으나, 고용의 조건 중 하나가 AML 절차 준수라는 내용은 스터디 가이드에서 본 적이 없는 것같아 추후 다시 찾아보려고 한.......

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Exam A. Question 5. What is the result of an increased awareness of the potential for gatekeepers to

What is the result of an increased awareness of the potential for gatekeepers to assist in money laundering in recent years? A. The IMF has raised the profile of gatekeepers, requiring that countries regulate them B. Lawyers who represent money launderers can more easily be prosecuted C. Accountants are no longer considered gatekeepers, since they are not permitted to set up companies or trusts D. The FATF recommendations cover lawyers performing financial transactions 정답: BThe responsibilities of such gatekeepers include requiring them to identify clients, to conduct due diligence on th.......

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Exam A. Question 6. Which three are principles found in the document "Principles of information ..

Which three are principles found in the document "Principles of information Exchange between Financial Intelligence Units (FIUs)"? A. The exchange of information between FIUsshould take place as informally and as rapidly as possible and with no prerequisites, while guaranteeing protection of privacy and confidentiality of the shared data B. Differences in the definition of offenses that fall under the competence of FIUs should be before free exchange of information takes place C. The Egmont principle of free exchange of information at the FIU level should be possible on the basis o.......

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