2025 Exam Advanced-CAMS-Audit Consultant 100% Pass | Latest ACAMS Dumps Advanced CAMS-Audit Certification Exam Collection Pass for sure
2025 Exam Advanced-CAMS-Audit Consultant 100% Pass | Latest ACAMS Dumps Advanced CAMS-Audit Certification Exam Collection Pass for sure
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ACAMS Advanced-CAMS-Audit Exam Syllabus Topics:
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ACAMS Advanced CAMS-Audit Certification Exam Sample Questions (Q81-Q86):
NEW QUESTION # 81
Which finding indicates issues that could result in clients being subject to incorrect scenarios and thresholds?
- A. Firming 2
- B. Finding 7
- C. Finding 5
- D. Finding 4
Answer: B
Explanation:
* Significance of Finding 4 in Scenario and Threshold Calibration:
* Finding 4typically points to issues with the alignment of customer segmentation or risk profiling.
Incorrect segmentation or categorization directly impacts the assignment of scenarios and thresholds, leading to clients being subjected to inappropriate monitoring settings.
* For example, placing a low-risk client in a high-risk threshold group can cause unnecessary alerts, while the opposite scenario might miss genuine suspicious activities.
* Other Options Evaluated:
* Finding 2:May relate to broader systemic issues but does not specifically highlight misalignment with thresholds or scenarios.
* Finding 5:Typically involves data accuracy concerns but does not directly result in the application of incorrect scenarios or thresholds.
* Finding 7:Often pertains to gaps in coverage or monitoring rather than specific issues in the calibration of scenarios and thresholds.
* Advanced CAMS-Audit Context:
* Advanced CAMS-Audit emphasizes the importance of precise customer segmentation and scenario calibration to ensure transaction monitoring systems operate efficiently and effectively.
Findings pointing to misalignments in these areas are critical indicators of potential weaknesses.
* Regulatory Relevance:
* FATF and Basel Committee standards require risk-based monitoring tailored to the risk profile of each customer. Misaligned thresholds violate this principle, potentially leading to regulatory scrutiny.
Conclusion:The correct answer isB. Finding 4, as it identifies the misalignment of scenarios and thresholds with customer risk profiles, which is a critical issue in ensuring effective AML monitoring systems.
NEW QUESTION # 82
Considering recent changes in the bank's correspondent banking business. Which is the most important risk indicator for the internal auditor to review?
- A. The jurisdiction in which the respondent bank is located.
- B. The management and ownership of the respondent bank.
- C. The major business activities of the respondent bank.
- D. The purpose of the services provided to the respondent bank.
Answer: A
Explanation:
Jurisdictional risk is critical in correspondent banking due to potential exposure to countries with weaker AML
/CFT controls, high corruption levels, or sanctions.
NEW QUESTION # 83
Which key elements of testing methodology should be documented? (Select Three.)
- A. Relevant testing techniques subject to the nature and size of the test population
- B. Sampling method applied to select an appropriate sample size
- C. Documentation requirements of test results supporting the conclusion
- D. Elements contributing to the inherent risk of the organization
- E. Test objectives and population selection criteria to mitigate the inherent risk in the operational unit
- F. Planned expansion or changes in the business profile of the organization
Answer: B,C,E
Explanation:
A: Documentation Requirements: Proper documentation ensures transparency and traceability of the testing process and outcomes.
B: Sampling Method: Establishing the sampling methodology ensures that the test results are representative of the population and risks being assessed.
D: Test Objectives and Population Selection: These elements help align the testing approach with the identified risks and objectives, ensuring the focus is on mitigating the most critical issues.
CAMS-Audit emphasizes robust documentation and sampling techniques to maintain the integrity and reliability of audit findings.
NEW QUESTION # 84
An auditor should verify that an institution has ensured its AML systems and controls include:
- A. supporting documents of its risk management policies and risk profile in relation to money laundering.
- B. measures to ensure that money laundering risk is taken into account in its monthly operations.
- C. daily reports by the institution's money laundering reporting officer on the operation and effectiveness of those systems and controls.
- D. training for senior management and the governing body only.
Answer: A
Explanation:
Core Components of AML Systems and Controls:
* Supporting documentation ensures alignment with regulatory expectations and helps auditors verify that the institution's policies and controls reflect its assessed risks.
Other Options:
* B:Monthly operations are operational concerns, not control documentation.
* C:Daily reports are excessive for governance purposes.
* D:Training must include all staff, not only senior management.
NEW QUESTION # 85
Which key risk indicator should the internal auditor consider when reviewing correspondent banking activities?
- A. Volume of transaction activity referred by the respondent bank.
- B. Number of respondent banks located in higher risk jurisdictions.
- C. Size and stature of a respondent bank's operations in its home country.
- D. Number of correspondent banking relations terminated.
Answer: B
Explanation:
Correspondent banking relationships with banks in high-risk jurisdictions are a key risk indicator, as these relationships often pose greater AML/CFT risks due to regulatory or operational deficiencies in those jurisdictions.
NEW QUESTION # 86
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