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8/18/2019 Download CRCM Exam to Success in Career http://slidepdf.com/reader/full/download-crcm-exam-to-success-in-career 1/12 How To Deal With The Problem of Preparation of CRCM Exam he preparation can be started once after knowing the syllabus of exam. If you start browsing to find a suitable source to prepare American Bankers Association Compliance and Risk Management/ CRCM from, you will be bombarded with thousands of results. It hen adds to your hard work to look for the most authentic source from that heap. To save you from this trouble, I will tell you the ource that will give you the most reliable information on the Certified Regulatory Compliance Manager exam you have to attempt. Have Pass4sureTest By Your Side he website I am talking about is Pass4sureTest and it is the most dependable source of CRCM Certified Regulatory Compliance Manager exam preparation material. This is because it has been in association with American Bankers Association for a long period f time now and is considered as best out there. In addition, Pass4sureTest is one of the forerunners of preparation movement and has een helping candidates to get through their exams for stretch of time. Verify Reliability Through Testimonials You can verify the reliability and relevancy by looking at the long line of testimonials stated by the customers. The Pass4sureTest as successfully turned a number of customers into certified American Bankers Association professionals. The testimonial section is ull of claims by American Bankers Association Certified Regulatory Compliance Manager professionals that willingly guarantee he reliability of Pass4sureTest.

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Page 1: Download CRCM Exam to Success in Career

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How To Deal With The Problem of Preparation of CRCM Exam

he preparation can be started once after knowing the syllabus of exam. If you start browsing to find a suitable source to prepare

American Bankers Association Compliance and Risk Management/ CRCM from, you will be bombarded with thousands of results. It

hen adds to your hard work to look for the most authentic source from that heap. To save you from this trouble, I will tell you the

ource that will give you the most reliable information on the Certified Regulatory Compliance Manager exam you have to attempt.

Have Pass4sureTest By Your Side

he website I am talking about is Pass4sureTest and it is the most dependable source of CRCM Certified Regulatory Compliance

Manager exam pre paration material. This is because it has been in association with American Bankers Association for a long period

f time now and is considered as best out there. In addition, Pass4sureTest is one of the forerunners of preparation movement and has

een helping candidates to get through their exams for stretch of time.

Verify Reliability Through Testimonials

You can verify the reliability and relevancy by looking at the long line of testimonials stated by the customers. The Pass4sureTest

as successfully turned a number of customers into certified American Bankers Association professionals. The testimonial section is

ull of claims by American Bankers Association Certified Regulatory Compliance Manager professionals that willingly guarantee

he reliability of Pass4sureTest.

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American Bankers

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Question 1

To b ecv eompliane risk managmnt profssionals must dsign a framwork to nsur thatbank managmnt undrstands th risks and th stps that must b takn to micgat thm. Th

many rols eompliane profssionals ll ineorporat risk managmnt aspets ineluding:

A. Coordinacng rgulatory xams to xplain risks to xaminrs

B. Orsing eompliane training targcng highr risk aras

C. Traeking rgulatory proposals and nal ruls to undrstand nw risks

D. All of ths

Aoswern D

Question 2

Thy also mbrae th eonept of risk-basd eompliane managmnt. Thy xpet eompliane

managmnt to b tailord to th bankv b it larg or smallv oring standard or speialty naneial

sriesv simpl or eomplx produets linsv and adjustd as appropriat for th eustomr bas as that

issud for th Bank Serey Aetv also stablishs thir xpetacons that a bank’s program b risk

basd. Who ar thy?

A. Outsoureing rms

B. Forign naneial srie proidrs

C. Bank rgulatory agneis

D. Risk managmnt organizacons

Aoswern C

Question 3

A eompliane profssional’s rsponsibilics inelud all of th following EXCEPT:

A. Undrstanding th businss units opracng nironmnt and risk tolrane

B. Prforming risk assssmnts with th assistane of businss units to dtrmin eurrnt risk lls

and risks assoeiatd with th bank’s produetsv lins of businssv eustomrsv and loeaconsv amongothr faetors

C. Working with businss units to nsur prompt eorrec aecon for any dtetd rrors

D. Assiscng businss lins with eompliane training for mploysv as ndd

Aoswern D

Question 4

 ______________ should inelud basie lmnts dsignd to undrstand and micgat risk. It usually

ineluds:Wrin program

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Compliane-rlatd polieis and proedurs

A. Taeceal Compliane proedur

B. Rank solucon

C. Compliane program

D. Non of ths

Aoswern C

Question 5

In a eompliane programv taeceal eompliane proedurs should b intgratd into businss lin

proedursv sueh as how to dlir an Adrs Aecon Noce whn an applieacon is delind. In this

eas:

A. Rgulacons should b applid eonsistntly to proedurs throughout th bank

B. Risions to proedurs should b basd on eompliane xprcs and not mr dicngC. Proiding solucons to micgat any idncd risk

D. Assiscng businss units in dloping or rising polieis and proedurs to ret eurrnt

rgulatory rquirmnts

Aoswern A, B

Question 6

Whieh of th following should b don during rsareh and intrprcng rgulacons Compliane

profssionals in micgacng eompliane risk?

A. Traek rgulatory proposals

B. Implmncng nal rgulatory ruls

C. Undrstanding th businss units’ opracng nironmnt and risk tolrane

D. Ranking solucons as highv modrat and low risk

Aoswern A, B, D

Question 7

Th eompliane program should addrss plans to rify adhrne to applieabl rgulacons through:

A. Ongoing monitoring to aluat th programv slf monitoring and eorrec aecon

B. Slf monitoring

C. Priodie riws

D. Ongoing monitoring to aluat th programv slf monitoring and priodie riws

Aoswern A

Question 8

Thr is no stablishd tmplat for doeumncng eompliane risk. Eaeh insctucon should dlop a

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risk assssmnt that ts its risk prol. Th eomponnts that ar eommonly usd throughout th

industry ar as follows EXCEPT:

A. Risk assssmnt

B. Masuring ky risk indieators

C. Idncfying ky prformane indieatorsD. Training th ladrship of eompliane rgulacon program

Aoswern D

Question 9

In Compliane rgulacon and risk assssmnt ky prformane indieators usually inelud:

A. Fins or pnalcs

B. Customr eomplaints

C. Rgulatory ericeism from a rgulator or intrnal or xtrnal auditorsD. Non of ths

Aoswern A, B, C

Question 10

For xampl on a 0-5 seal:

Th risk trnd shows th direcon of risk and probabl ehang to risk or th nxt 12 months. A

trnd toward inerasing risk mans that

A. Managmnt may want to tak addiconal aecon through mor eontrols or inerasd riws

B. Risk may prompt a deras in eontrols and improd eineis

C. Controls eurrntly in plae ar appropriat to sueed in kping risks within managmnt’s

stablishd risk-tolrane ll

D. Risk masurmnts xed managmnt’s tolrane for risk

Aoswern A

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A. Pnalcs up to $7v500 pr day for iolacons of laws and rgulacons

B. Pnalcs up to $47v500 pr day if iolacons or unsaf or unsound praeces ar ngagd in

reklssly or ar part of a parn of miseonduet that eauss mor than a minimal loss to th bank or

any peuniary gain to th parcs inold

C. Pnalcs up to $1v375v000 pr day against prsons who knowingly eommit a iolacon and

knowingly or reklssly eaus a substancal loss to th bank or a substancal bnt to th partyD. Pnalcs up to $6v500 pr day for iolacons of laws and rgulacons

Aoswern A, C

Question 15

In Rquirmnts secon of Adjustd Mortgag Rgulacon (12 CFR 34)v for loans subjet to both th

OCC ARM rgulacon and to Rgulacon Zv 12 CFR 226.19(b)—that isv loans mad to an indiidualv for

prsonal purpossv seurd by th borrowr’s prineipal dwllingv and haing a trm longr than on

yar— th indx to whieh th intrst rat is cd must b:

A. Speid in loan doeumnts

B. Radily aailabl to and riabl by th browsr

C. Mulcpl alus of a ehosn masur or a moing arag of th ehosn masur ealeulatd or a

speid priod

D. A and B only

Aoswern D

Question 16

Subprim borrowrs ar thos with waknd erdit historis or rdued rpaymnt eapaeity. Loans

to ths borrowrs historieally ha had a highr dlinquney rat. Many lndrs ha xpandd

thir lnding programs and addd subprim produets as a mthod of mcng thir

 _______________by proiding gratr erdit aeess to lowr-ineom eonsumrs.

A. Community Rinstmnt Aet (CRA) rsponsibilics

B. Fraudulnt markcng taeces

C. FTC Aet

D. Prdatory Lnding

Aoswern A

Question 17

Th banking agneis issud two guidanes to eaucon dpository insctucons about risks inold in

funding non-dpository lndrs that ngag in prdatory lnding. Prdatory and abusi praeces

inelud:

A. High-prssur sals

B. Exessi fs and intrst rat ineluding fs for unnessary produets

C. Balloon paymnts that may nr eaus forelosurs

D. Exessi rnaneing with fs ineludd in th nw loan

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Aoswern A, B

Question 18

Undr Intragney Guidane on Subprim Lnding (1999) lnding poliey must:

A. B appropriat to th siz and eomplxity of th opracon

B. Addrss th typs of produets ors and thos not authorizd

C. Rquir erdit l doeumntacon

D. All of ths

Aoswern D

Question 19

Th purpos of guidlins for Naconal Banks to Guard against Prdatory and Abusi Lnding

Praeces- AL-2003-2 ineluds all of th following EXCEPT:

A. Proid xampls to naconal banks of praeces that may b abusi

B. Adis banks on how thy should aoid abusi praeces

C. Banks should eonsidr appropriat diseount ratsv erdit loss ratsv and prpaymnt rats whn

aluing ths assts

D. Show how som abusi lnding ean inol unfair or depc praeces and thrfor iolat

th Fdral Trad Commission Aet

Aoswern C

Question 20

Whieh of th following usually eoms undr th hading of abusi lnding?

A. Abusi lnding usually is dnd by a arity of lnding praeces

B. It is th xessi and hiddn fs in th amount naned

C. A fundamntal eharaetrisce is aggrssi markcng of erdit to prospec borrowrs who

eannot rpay it on th trms ord

D. Typieallyv sueh loans ar undrwrin on th liquidacon alu of th eollatral rathr than th

erditworthinss of th borrowr

Aoswern A, C, D

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