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Exam CRCM topic 1 question 259 discussion

Actual exam question from ABA's CRCM
Question #: 259
Topic #: 1
[All CRCM Questions]

Your institution has identified a transaction by an existing depositor that should be blocked under OFAC requirements. The branch manager contacts you for specific instructions. Before reporting the transaction to OFAC, what should the bank do?

  • A. Reject the transaction
  • B. Process the transaction
  • C. Close the customer's account
  • D. Place the funds in an interest-bearing account
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Suggested Answer: D 🗳️

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Cam22
4 months ago
Selected Answer: A
When an institution identifies a transaction that should be blocked under OFAC (Office of Foreign Assets Control) requirements, the appropriate action is to reject the transaction. Blocking the transaction means preventing it from being processed or completed. This action is necessary to ensure compliance with OFAC regulations and to prevent the movement of funds to sanctioned individuals, entities, or countries. Options B, C, and D would not address the requirement to block the transaction under OFAC regulations. Instead, they could potentially lead to non-compliance or further exposure to risk.
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