ACFCS CFCS 시험 개요:

ACFCS CFCS 시험 요강 주제:

최신 Certified Financial Crime Specialist CFCS 무료샘플문제

문제 #1
Your bank has recently been targeted by cyber attackers who have compromised the institutions network and stolen some customers online account credentials to conduct account takeovers.
Your team is responsible for reporting the incident to law enforcement and regulatory authorities which includes filing Suspicious Activity or Transaction Reports (SAR/STR) You are reviewing accounts that are thought to have been affected to determine if reporting is needed.
Which of the findings below would MOST likely trigger a SAR/STR report?

A. An account displays several withdrawals from ATMs within the past three days
B. An account has recently initiated a series of funds transfers to previously unknown recipients
C. A customer's account has not displayed any transaction activity in more than a month
D. An account received a fairly large cash deposit shortly before the cyber incident started

문제 #2
You are asked to investigate a potential fraud at an automobile dealership. The president of Bank A provides inventory financing to the dealership and suspects that it may be providing fraudulent documentation to the bank to increase its funding.
Which documents would provide the MOST effective evidence of potential fraudulent activity?

A. A list of vehicle identification numbers (VINs) at the dealership and Ihe accompanying internal bank list of VINs
B. Shipping invoices for cars sold at the dealership and then transported out of state
C. Internal dealership records displaying names and contact information of all buyers of cars in the last two years
D. Registrations of all cars sold by the dealership

문제 #3
During a sanctions compliance review, a financial institution discovers that one of its clients has conducted transactions with individuals and entities on a sanctions list. What is the most appropriate action for the institution to take?

A. Report the findings to the relevant authorities and seek guidance on next steps.
B. Immediately terminate all business relationships with the client.
C. Ignore the issue if the transactions were unintentional and the client is cooperative.
D. Conduct enhanced due diligence on the client and continue monitoring their activities.

문제 #4
You have been asked to investigate an anonymous tip that an executiveofa company has paid bribes to secure business with a foreign government-controlled company. Which would MOST fully support the allegation without any additional evidence?

A. Records of funds transfers lo a company lor advertising services that is not on the approved vendor list
B. The executive s files include duplicates of invoices for the customer that have sales prices 10% higher than the original
C. The executive approved an increase in the commissions paid to the sales agent dealing with the customer from 5% to 10%
D. The sales agent's commission is being paid to a bank account in a country outside of the agent's sales territory

문제 #5
Your company acquires new mortgage loans through a network of independent brokers and you have experienced losses attributed to one of your brokers You suspect that the broker did not act alone You are revisiting your institution's policies and procedures to effectively mitigate the risks of collusion.
Which specific task would NOT be effective in mitigating the risk of collusion?

A. Ensure that your brokers are subjected to rigorous on-boarding standards
B. Provide mortgage underwriters and administrative staff with training on how to recognize suspicious transactions
C. Restrict the use ot property appraisers to those who have been approved by your institution
D. Have the mortgagor provide documentary evidence of employment and income

질문과 대답: