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* 1. Name

Welcome to this year's quiz. Important: Be sure to scroll to the very bottom, past the puzzle, and click "Done" when you are finished.  It will score your quiz and show you the correct answer for any you answered incorrectly. You cannot change any answers once you have clicked Done. The puzzle at the end (with a prize) is optional. Thank You.

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* 2. In which situations does TCV require a confidentiality or non-disclosure agreement? Select all that apply.

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* 3. Who is our BSA Officer?

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* 4. When a client or vendor asks to use the office wifi, what do you do?

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* 5. Due to consumer data theft, financial institutions are required to have a program for which of the following?

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* 6.
For BSA purposes, which of the following are account characteristics that would warrant an account getting a higher risk rating?
  • A.   Principals and/or benes reside in a foreign country
  • B.   Account in an irrev
  • C.   Assets or proposed transactions are atypical for the type and character of the client
  • D.   Account is funded with easily transportable assets such as gems, coins, bearer bonds, negotiable instruments, etc.)
  • E.   Pattern of international funds transfers, particularly via offshore funding sources.

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* 7. According to our BSA/AML/CIP Policy, who is responsible for monitoring accounts for suspicious activity?

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* 8. When do we give clients a copy of our Privacy Policy? Check all that apply.

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* 9. When you post a distribution that overdrafts a client account, where is the money coming from?

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* 10. The Vermont Uniform Fiduciary Access to Digital Assets Act clarifies the law in regard to digital assets in the case of death or incapacitation, and grants  fiduciaries access to a user's online accounts, correspondences and other computer files, in what circumstances?

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* 11. Email best practices indicate NOT to do which of the following?
  • Open email attachments with .exe, .scr, .bat or other executable files
  • Click on links without hovering your mouse over them first to check the URL
  • Email the sender of questionable email to ask what they want or who they are
  • Click on the "unsubscribe" link

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* 12. You are a Facebook/Twitter user. IS it OK to talk about TCV in your posts?

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* 13. You have an investment account at a broker or other institution. When does our Employee Trading Policy require that you provide copies of trades to Ellen?
  • A.   When the trades exceed $50,000
  • B.    For all trades where you direct/execute the trade
  • C.    For any transaction involving another financial institution

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* 14. When would we need to file a SAR, or Suspicious Activity Report? Check all that apply.

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* 15. Which of the following are social engineering red flags in an email?
  • A.   I was cc'd on an email to people I don't know
  • B.   The only thing in the email is a hyperlink
  • C.   Email was sent at 3 a.m. (unless it's from Jack 8-)
  • D.   The grammar and syntax is not very good.

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* 16. Which of the following are money laundering steps?  Check all that apply.

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* 17. What is the MOST important goal of Customer Identification Programs?

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* 18. What is the purpose of BSA, US Patriots and OFAC? Check all that apply.

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* 19. Which are the three primary components of our OFAC compliance program? Check all that apply.

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* 20. Who is our regulator?

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* 21. Which of the following must we maintain in a customer file?  Check all that apply.

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* 22. What does the Foreign Bank & Financial Accounts (FBAR) require of us?  Check all that apply.

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* 23. What is the primary regulation about privacy issue and data security?

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* 24. Which of the following represents our BSA/AML/CIP risk rating system?

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* 25. What is a red flag?

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* 26. Which of the following could be a cause for concern, or suggest identity theft? Check all that apply.

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* 27. You are opening a new account for a new potential client, but they do not  have a taxpayer ID number?  Can you open the account?

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* 28. According to our Security Awareness Program, employees are responsible to do which of the following?  Check all that apply.

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* 29. According to our Privacy Policy, will we share client names and addresses with select non-profits or businesses if we believe the service offered is worthwhile.

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* 30. What is a PEP?

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* 31. During the client ID process you encounter a person who does not have a driver's license.  What do you do?

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* 32. For the purposes of BSA/AML/CIP, a "customer" is a person who opens an account ,or a person who opens an account for one who lacks the legal capacity to do so; and entities such as corporations, trusts, partnerships or endowments.  For a corporate account, who do we ID and what else do you need to get?  Check all that apply.

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* 33. Since we don't handle cash,  money laundering is not a concern for us.

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* 34. Which of the following are acceptable forms of ID for purposes of BSA/AML/CIP?  Check all that apply.

Optional:  Too easy? Hungry? Find all the trust terms in the word puzzle below and get 5 extra points.  I'll draw a winner from all correct copies I receive for a $50 gift certificate to the eatery of your choice.  Right click on the image, copy image, paste it into Word,  circle or highlight the words , scan and email back to me.  Again, this is optional.

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Trust Word Search - Optional Credit and Prize.

Trust Word Search - Optional Credit and Prize.

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