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》》》2022年新版FRM一二級內(nèi)部資料免·費領?。　揪A版】

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Which of the following viewpoints regarding data quality scorecards is/are best described as providing a high-level understanding of the risks embedded in data quality problems?

I. Data process issues view.

II. Business impact view.

III. Business process view.

IV. Data quality issues view.

A) I and II

B) Only II

C) I, II and III

D) II and IV

答案：B

解析: With the business impact view, the scorecard provides a high-level understanding of the risks embedded in data quality problems (i.e., a combined and summarized view). It considers various data quality problems that occur in various business processes.

The senior management team of a small regional bank has established a committee to review procedures and implement best practices related to entering into significant contracts with third-party vendors. The committee is reviewing one proposed relationship with a third-party vendor who would have a significant responsibility for marketing the bank’s financial products to potential customers.

In establishing policies to reduce the operational risk associated with this potential vendor contract, which of the following recommendations would be most appropriate?

A) The bank should review all third-party audit reports of a vendor that are publicly available.

B) The bank should ensure that a vendor's sales representatives are compensated mainly with commissions from the sale of the bank's products.

C) The bank should prevent a third-party vendor from having access to any of its critical processes.

D) The bank should be responsible for developing a vendor's contingency planning process in order to mitigate risk exposure to the vendor.

答案：A

解析:A is correct. Internal Controls: “For significant service provider relationships, financial institutions should assess the adequacy of the provider's control environment. Assessments should include reviewing available audits or reports such as the American Institute of Certified PublicAccountants' Service Organization Control 2 report.”

B is incorrect. The bank should review the vendor's incentive compensation structure and ensure that the structure does not encourage vendor sales representatives to direct customers towards higher margin products without regard for the risk incurred. Compensating sales reps mostly with commissions would not be an appropriate structure.

C is incorrect. Outsourcing critical processes is not ruled out as a guideline, for example:Acommunity banking organization may have critical business activities being outsourced, but the number may be few and to highly reputable service providers "(Larger) financial institutions may use hundreds or thousands of service providers for numerous business activities that have material risk..."

D is incorrect. The bank should monitor the vendor's contingency planning process and "assess the adequacy and effectiveness of a service provider's disaster recovery and business continuity plan and its alignment with its own plan".

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