Câu 73: CAMS7: Certified Anti-Money Laundering Specialist (the 7th edition) Popular

A compliance officer at a large bank has been tasked with investigating a series of unusual transactions involving a long-time customer. The customer has made several large cash deposits into multiple accounts within a short period, raising red flags. After gathering and analyzing transaction data, reviewing customer records, and cross-referencing external sources, the compliance officer determines that there is a reasonable suspicion of money laundering. As part of documenting this investigation, the compliance officer must decide how and when to escalate the matter internally and whether to file a suspicious activity report (SAR). What is the next critical step in this process?

1. A. Document the customer's transaction history and keep the investigation confidential until further suspicious activity is detected.
2. B. Immediately escalate the case to senior management, recommending the closure of the customer's accounts due to potential reputational risk.
3. C. Report the investigation to external auditors and await further guidance before taking any action.
4. D. Draft a SAR that includes a detailed chronology of the transactions, customer background and the rationale for suspicion, and submit it to the relevant financial intelligence unit (FIU) within the regulatory timelines. — đáp án hiện tại