nerdexam
ACAMS

CAMS · Question #417

CAMS Question #417: Real Exam Question with Answer & Explanation

The correct answer is B. A corporate account is opened on behalf of several beneficial owners D. The customer's stated investment goal is not reflective of account activity. A corporate account opened on behalf of several beneficial owners is a red flag because it may indicate an attempt to conceal the identity or source of funds of the ultimate beneficiaries. The customer's stated investment goal of long-term investment is not reflective of the acco

Question

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.)

Options

  • AThe new account deposit is $25.5 million
  • BA corporate account is opened on behalf of several beneficial owners
  • CThe compliance officer receives the query regarding the movement of funds
  • DThe customer's stated investment goal is not reflective of account activity

Explanation

A corporate account opened on behalf of several beneficial owners is a red flag because it may indicate an attempt to conceal the identity or source of funds of the ultimate beneficiaries. The customer's stated investment goal of long-term investment is not reflective of the account activity, which involves frequent and large transfers, currency exchanges, and account depletion within a short period of time. This discrepancy may suggest that the customer is using the account for money laundering or other illicit purposes.

Community Discussion

No community discussion yet for this question.

Full CAMS Practice