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高通過率的PRMIA 8020題庫資訊和最佳的Testpdf -資格考試中的領先提供商

雖然8020考古題學習資料非常受歡迎，但是我們還是為客戶提供了免費的PRMIA 8020試用DEMO，供考生體驗，我們也將不斷發布更多新版的題庫，以滿足IT行業日益增長的需求。我們將為您提供最新的PRMIA 8020題庫資料來準備考試，所有的題庫都可以在這里獲得，使通過8020考試變得更加容易。Testpdf將是您獲得認證的最好選擇，我們保證您100%可以通過8020認證考試。

PRMIA 8020 考試大綱：

主題
簡介

主題 1

Risk Modeling: This section of the exam measures the skills of Quantitative Risk Analysts and covers mathematical and statistical techniques used to predict risk scenarios. It explores model development, validation, and application in financial and operational risk management. A key skill measured is applying statistical models for risk prediction.

主題 2

Risk Assessment: This section of the exam measures the skills of Financial Risk Analysts and covers methodologies for evaluating risks in different domains, including qualitative and quantitative approaches. It focuses on assessing vulnerabilities, threats, and potential impacts on business operations. A key skill measured is conducting risk impact analysis for financial threats.

主題 3

Risk Information: This section of the exam measures the skills of Risk Managers and covers the collection, analysis, and communication of risk-related data. It highlights the role of data-driven decision-making in mitigating uncertainties and ensuring compliance. A key skill measured is interpreting risk data for informed decision-making.

主題 4

Insurance Mitigation: This section of the exam measures the skills of Insurance Risk Managers and covers strategies for transferring risk through insurance and other financial instruments. It focuses on risk transfer mechanisms, policy structuring, and claims management. A key skill measured is assessing risk transfer options through insurance.

主題 5

Introduction: This section of the exam measures the skills of Risk Analysts and covers fundamental concepts of risk governance, management, and assessment. It introduces key principles, regulatory frameworks, and industry best practices for identifying and addressing risks. A key skill measured is understanding the foundational principles of risk management.

>> 8020題庫資訊 <<

PRMIA 8020題庫資訊：ORM Certificate - 2023 Update和最新的PRMIA認證培訓

PRMIA 的 8020 考古題覆蓋了最新的考試指南，根據真實的 8020 考試真題編訂，確保每位考生順利通過 8020 考試。如果在考試過程中變題了，考生可以享受免費更新一年的考題服務，保障了考生的權利。8020 考試適合於 PRMIA 技術人士開發，目的是為了測驗考生基於各種平臺的設計和開發應用知識技能。考生要考取 8020 認證，必須要擁有兩年開發技術領域的能力。

最新的 PRM Certification 8020 免費考試真題 (Q54-Q59):

問題 #54
For the WorldCom case, what was one of the causes of the failure?

A. A rapid pace of acquisitions and poor integration of acquired companies.
B. Unauthorized trading in derivatives.
C. The lack of a CRO during the final IPO.
D. Risk models that did not reflect loosened underwriting standards of mortgage originators.

答案：A

解題說明：
Step 1: Understanding the WorldCom Case
WorldCom was one of the largest U.S. telecom companies before its collapse in 2002 due to fraudulent accounting practices and poor risk management.
The company expanded aggressively through acquisitions but failed to integrate them properly, leading to financial mismanagement and accounting fraud.
Step 2: Why Option C is Correct
WorldCom acquired over 60 companies in a short period without proper integration.
This masked financial problems and led to $11 billion in fraudulent accounting adjustments.
PRMIA and risk management frameworks stress that poor integration after rapid acquisitions increases operational and financial risks.
Step 3: Why the Other Options Are Incorrect
Option A ("Risk models and mortgage underwriting") → Incorrect because this describes the 2008 financial crisis, not WorldCom.
Option B ("Lack of a CRO during IPO") → Incorrect because WorldCom was well-established before its fraud-CRO absence was not the main issue.
Option D ("Unauthorized derivatives trading") → Incorrect because WorldCom's failure was due to fraudulent accounting, not derivatives.
PRMIA Risk Reference Used:
PRMIA Corporate Governance Guidelines - Discusses risks of poor post-merger integration.
SEC Investigation on WorldCom (2002) - Identified fraudulent accounting due to failed acquisitions.

問題 #55
Internal loss data (ILD) consists of what kind of data?

A. It consists of near miss operational loss incidents of a bank.
B. It consists of the Key Risk Indicators of a bank.
C. It consists of historical operational loss incidents of a bank.
D. It consists of scenario data develeloped to calcuate the future operational loss incidents of a bank.

答案：C

解題說明：
Definition of Internal Loss Data (ILD)
Internal Loss Data (ILD) refers to historical records of actual operational losses incurred by a bank.
These losses are used for risk assessment, capital calculations, and trend analysis under Basel III's Operational Risk Framework.
Key Characteristics of ILD
Captures actual past loss events, such as fraud, system failures, and compliance breaches.
Supports the identification of risk trends and weak control areas.
Used for operational risk capital modeling, along with external loss data and scenario analysis.
Why Other Answers Are Incorrect
Option
Explanation:
A . It consists of near miss operational loss incidents of a bank.
Incorrect - ILD captures actual losses, while near misses are reported separately.
C . It consists of the Key Risk Indicators of a bank.
Incorrect - KRIs are forward-looking risk metrics, while ILD focuses on historical data.
D . It consists of scenario data developed to calculate the future operational loss incidents of a bank.
Incorrect - ILD is historical, whereas scenario data is used for predictive analysis.
PRMIA Reference for Verification
Basel III & PRMIA Operational Risk Data Framework
PRMIA Risk Management Standards for ILD

問題 #56
For the Barings case study, segregation of duties was an issue. How did this present itself in this case?

A. A trader was responsible for managing the front-office.
B. A trader was responsible for managing the back-office.
C. A trader was responsible for managing the expense account.
D. A risk manager was responsible for managing the back-office

答案：B

解題說明：
Background of the Barings Case Study
Nick Leeson, a trader at Barings Bank, caused the collapse of the institution due to unauthorized trading in derivatives.
A critical failure was the lack of segregation of duties, allowing Leeson to both execute trades (front-office) and oversee trade settlement (back-office).
How Segregation of Duties Failed
Proper segregation of duties ensures that no single individual has unchecked control over trading and settlement.
Leeson was responsible for both trading (front-office) and settlement (back-office), meaning he could hide losses without detection.
Why Answer A is Correct
A trader (Leeson) should never have been managing back-office functions.
His dual role allowed him to manipulate records and bypass controls, leading to $1.3 billion in losses and the bank's collapse.
Why Other Answers Are Incorrect
Option
Explanation:
B . A trader was responsible for managing the front-office.
Incorrect - Traders are supposed to manage the front-office; the issue was their involvement in back-office functions.
C . A risk manager was responsible for managing the back-office.
Incorrect - The issue was lack of oversight on the trader, not risk managers handling back-office duties.
D . A trader was responsible for managing the expense account.
Incorrect - The main issue was the trader's control over trade settlement, not expense accounts.
PRMIA Reference for Verification
PRMIA Case Study on Barings Bank Collapse
Basel Principles on Segregation of Duties in Risk Management

問題 #57
Which of the follow is not included in PRMIA's 10 principles of good governance?

A. Clear accountability.
B. Risk appetite.
C. External validation.
D. Holding the PRM Designation.

答案：D

解題說明：
PRMIA's 10 Principles of Good Governance
PRMIA outlines 10 key principles that focus on risk governance, accountability, transparency, and risk management effectiveness.
These principles ensure strong risk governance structures for financial institutions.
Why Answer B is Correct
Holding the PRM Designation (Professional Risk Manager certification) is NOT a governance principle.
While PRMIA promotes risk education, governance principles focus on organizational risk structures, not individual certifications.
Why Other Answers Are Incorrect
Option
Explanation:
A . Risk appetite.
Correct - PRMIA governance principles include establishing a clear risk appetite.
C . External validation.
Correct - External audits and validation improve governance and risk transparency.
D . Clear accountability.
Correct - Governance principles emphasize clear accountability at all levels of management.
PRMIA Reference for Verification
PRMIA 10 Principles of Good Governance
Basel Corporate Governance Guidelines for Financial Institutions

問題 #58
The The Task Force on Climate-related Financial Disclosures (TCFD) was founded by which body?

A. The Financial Stability Board (FSB).
B. The European Commission (EC).
C. The United Nations (UN).
D. The World Bank (WB).

答案：A

問題 #59
......

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8020套裝: https://www.testpdf.net/8020.html

Ray Adams Ray Adams

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