8020최신버전시험대비자료덤프공부

IT업계에 종사하시는 분은 국제공인 IT인증자격증 취득이 얼마나 힘든지 알고 계실것입니다. 특히 시험이 영어로 되어있어 부담을 느끼시는 분도 계시는데 Itexamdump를 알게 된 이상 이런 고민은 버리셔도 됩니다. Itexamdump의PRMIA 8020덤프는 모두 영어버전으로 되어있어PRMIA 8020시험의 가장 최근 기출문제를 분석하여 정답까지 작성해두었기에 문제와 답만 외우시면 시험합격가능합니다.

Itexamdump 에서 출시한PRMIA인증8020 덤프는PRMIA인증8020 실제시험의 출제범위와 출제유형을 대비하여 제작된 최신버전 덤프입니다. 시험문제가 바뀌면 제일 빠른 시일내에 덤프를 업데이트 하도록 최선을 다하고 있으며 1년 무료 업데이트서비스를 제공해드립니다. 1년 무료 업데이트서비스를 제공해드리기에 시험시간을 늦추어도 시험성적에 아무런 페를 끼치지 않습니다. Itexamdump에 믿음을 느낄수 있도록 구매사이트마다 무료샘플 다운가능기능을 설치하였습니다.무료샘플을 체험해보시고Itexamdump을 선택해주세요.

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8020시험대비 덤프공부, 8020최신 업데이트 인증시험자료

Itexamdump의 PRMIA 8020덤프로PRMIA 8020시험준비를 하면 시험패스는 간단한 일이라는걸 알게 될것입니다. PRMIA 8020덤프는 최근PRMIA 8020시험의 기출문제모음으로 되어있기에 적중율이 높습니다.시험에서 떨어지면 덤프비용 전액 환불해드리기에 우려없이 덤프를 주문하셔도 됩니다.

최신 PRM Certification 8020 무료샘플문제 (Q20-Q25):

질문 # 20
Risk Capacity for a bank is defined as the:

A. Amount of risk the regulator sets for the bank.
B. Ability to suffer an extreme event with an orderly wind up with only shareholders losing money.
C. Amount of risk the bank wishes to take.
D. Ability to withstand an extreme event and make a profit.

정답：B

설명：
Step 1: Definition of Risk Capacity
Risk Capacity refers to the maximum level of risk a bank can absorb while still maintaining orderly operations or, in extreme cases, conducting an orderly resolution.
PRMIA and Basel III define risk capacity as a bank's ability to absorb losses in a crisis without systemic consequences.
Step 2: Why Option D Is Correct
The ultimate test of a bank's risk capacity is whether it can survive an extreme shock without harming depositors or financial markets.
Regulators ensure that a bank can be wound up in an orderly manner so that only shareholders lose money, while depositors and creditors remain protected under resolution planning frameworks.
Step 3: Why the Other Options Are Incorrect
Option A ("Amount of risk the bank wishes to take")
Incorrect because this describes Risk Appetite, not Risk Capacity.
Option B ("Amount of risk the regulator sets for the bank")
Incorrect because regulators set capital requirements, but the bank's actual risk capacity is based on its own capital structure and business model.
Option C ("Ability to withstand an extreme event and make a profit")
Incorrect because risk capacity is about survival, not profit-making during extreme events.
PRMIA Risk Reference Used:
Basel III Risk Capacity Standards - Defines the ability to absorb losses during crises.
PRMIA Risk Governance Framework - Describes how banks should manage risk capacity through capital buffers.
Final Conclusion:
Banks must be able to withstand an extreme event and conduct an orderly wind-up if necessary, ensuring that only shareholders bear the loss, making Option D the correct answer.

질문 # 21
For the Northern Rock case study, what was the low-probability-high-impact event that was most responsible for the loss event?

A. An exposure to real estate funds, heavily concentrated in Berlin.
B. The acquisition of Merrill Lynch by Bank of America.
C. Liquidity dried up in the inter-bank and commercial paper markets.
D. The Bank of England's withdrawal of Deposit Protection.

정답：C

설명：
Step 1: Understanding the Northern Rock Case Study
Northern Rock was a UK bank that collapsed in 2007 due to its heavy reliance on short-term wholesale funding rather than customer deposits.
When the 2007 financial crisis hit, the inter-bank lending market and commercial paper market froze, cutting off Northern Rock's access to liquidity.
Step 2: Why Option C Is Correct
Northern Rock depended on short-term borrowing to fund long-term mortgage lending.
When the liquidity crisis hit, it couldn't refinance its debt, leading to a bank run and collapse.
The Bank of England had to intervene, and the UK government nationalized Northern Rock in 2008.
Step 3: Why the Other Options Are Incorrect
Option A ("Acquisition of Merrill Lynch") → Incorrect because this happened in 2008, after Northern Rock's failure.
Option B ("Withdrawal of Deposit Protection") → Incorrect because UK deposit protection remained in place.
Option D ("Real estate exposure in Berlin") → Incorrect because Northern Rock's problem was funding liquidity, not real estate losses.
PRMIA Risk Reference Used:
PRMIA Liquidity Risk Management Framework - Describes how liquidity shocks impact banks like Northern Rock.
Basel III Liquidity Coverage Ratio (LCR) Standards - Created after Northern Rock to prevent similar liquidity crises.
Final Conclusion:
The collapse of the inter-bank and commercial paper markets was the key low-probability-high-impact event that led to Northern Rock's failure, making Option C the correct answer.

질문 # 22
Compliance departments traditionally provide policy, oversight, and set the standards for monitoring personal dealing. Which control below would assist in implementing such policies?

A. A list of approved suppliers that have been added to the outsourcing policy.
B. Outsourcing of the policy writing to an accounting firm at least once every 3 years.
C. Watch lists of stocks that are not allowed to be traded for a period of time, for instance, ahead of a securities offering that the firm is managing.
D. Outsourcing of the policy writing to an accounting firm at least once every 5 years.

정답：C

설명：
Definition of DORA
The Digital Operational Resilience Act (DORA) is a regulation by the European Union (EU) aimed at strengthening the digital resilience of financial institutions.
It establishes a regulatory framework for managing information and communication technology (ICT) risks in the financial sector.
Key Objectives of DORA
Ensures that financial institutions can withstand, respond to, and recover from cyber threats and ICT-related disruptions.
Introduces standards for risk management, incident reporting, and third-party ICT risk oversight.
Why Other Answers Are Incorrect
Option
Explanation:
A . Domain for Operational Risk Act.
Incorrect - No such regulation exists under this name.
B . Digital Operational Risk Act.
Incorrect - The official name is Digital Operational Resilience Act (DORA).
C . Daily Operational Resilience Act.
Incorrect - DORA is not focused on daily operations but rather long-term digital resilience.
PRMIA Reference for Verification
PRMIA Risk Governance & Digital Resilience Standards
European Commission's Official DORA Regulation

질문 # 23
Which of the following statements is best for inclusion in the values to be set for a Risk Function?

A. We prize the ability to ensure that the Risk Function's opinions are listened to and acted upon.
B. We prize the ability to implement the board's direction on the implementation of controls for risks.
C. We prize the ability to lower risk-taking to an absolute minimum - zero if possible.
D. We prize the ability to implement the management team's direction on the control of risks.

정답：B

설명：
Step 1: Role of a Risk Function
A Risk Function ensures that an organization follows best practices in risk governance, assessment, and control implementation.
It should be aligned with the board's risk strategy and ensure independent oversight.
Step 2: Why Option B is Correct
The board sets the overall risk strategy, and the risk function implements risk controls accordingly.
PRMIA emphasizes board oversight as the guiding force behind risk management.
Step 3: Why the Other Options Are Incorrect
Option A ("Implement management's direction") → Incorrect because risk oversight should be board-driven, not solely management-driven.
Option C ("Ensure opinions are listened to") → Incorrect because risk functions enforce policies, not just share opinions.
Option D ("Lower risk-taking to zero") → Incorrect because risk-taking is necessary for growth-excessive risk aversion harms business.
PRMIA Risk Reference Used:
PRMIA Risk Governance Framework - Highlights board oversight in risk management.
Basel III Risk Management Standards - Emphasizes board-driven risk controls.
Final Conclusion:
The Risk Function must follow the board's direction in implementing risk controls, making Option B the correct answer.

질문 # 24
For the National Australia Bank - FX Options case study, which was the major cause of the loss event?

A. Currency traders were allowed access to the risk system by the CEO.
B. Currency traders concealed losses using back office knowledge.
C. Currency traders were able to complete a Management Buy Out (MBO).
D. Currency traders smoothed profits and concealed losses.

정답：D

설명：
Overview of the National Australia Bank (NAB) FX Options Case Study
Traders at National Australia Bank (NAB) engaged in unauthorized foreign exchange (FX) options trading.
They smoothed profits and concealed losses using fictitious transactions and manipulated reporting.
This led to a major financial scandal and loss of investor confidence.
Key Findings of the Investigation
Traders artificially smoothed profits to avoid drawing attention to large fluctuations.
Losses were concealed from internal risk controls by manipulating trade records.
The bank's risk management and governance controls failed to detect and prevent these activities.
Why Other Answers Are Incorrect
Option
Explanation:
A . Currency traders were allowed access to the risk system by the CEO.
Incorrect - No evidence suggests CEO involvement in granting system access.
B . Currency traders concealed losses using back-office knowledge.
Incorrect - While they concealed losses, they also smoothed profits to manipulate earnings trends.
D . Currency traders were able to complete a Management Buy Out (MBO).
Incorrect - This event was not related to a Management Buyout (MBO); it was a trading scandal.
PRMIA Reference for Verification
PRMIA Fraud and Risk Management Case Studies
Basel Principles on Market Risk and Internal Control Failures

질문 # 25
......

최근 더욱 많은 분들이PRMIA인증8020시험에 도전해보려고 합니다. Itexamdump에서는 여러분들의 시간돠 돈을 절약해드리기 위하여 저렴한 가격에 최고의 품질을 지닌 퍼펙트한PRMIA인증8020시험덤플르 제공해드려 고객님의 시험준비에 편안함을 선물해드립니다. Itexamdump제품을 한번 믿어보세요.

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8020 덤프는 100% 통과율을 자랑하고 있어 시험패스는 더는 어려운 일이 아닙니다, ITExamDump의 PRMIA 8020덤프를 공부하면 시원하게 한방에 시험패스: ITExamDump 는 PRMIA업계 엘리트 강사들이 퍼펙트한 8020덤프를 만들어서 제공해드립니다, Itexamdump 8020시험대비 덤프공부의 제품들은 모두 우리만의 거대한IT업계엘리트들로 이루어진 그룹 즉 관련업계예서 권위가 있는 전문가들이 자기만의 지식과 지금까지의 경험으로 최고의 IT인증관련자료를 만들어냅니다, 여러분이 안전하게 간단하게PRMIA인증8020시험을 응시할 수 있는 자료입니다.

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8020최신버전시험대비자료덤프공부

8020시험대비 덤프공부, 8020최신 업데이트 인증시험자료

최신 PRM Certification 8020 무료샘플문제 (Q20-Q25):

최신 업데이트버전 8020최신버전 시험대비자료 인증덤프

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