Final exam solution
The Final exam will be Monday, December 12 from 3:30-5:30 pm.
Prof. Hess will be available for last-minute questions on Monday in ME 3003B.
All students will take the exam in CL50.
Some additional notes regarding the Final Exam:
Final exam from previous semesters
The following questions are representative of the types of questions you will find on the CAFP (Certified AML and Fraud Professional) exam.
A. Verification steps need to be deployed to validate all emails.
B. Outbound calls need to take place to prospective customers to verify any resulting activities.
C. A Fraud Risk Assessment needs to be performed to weigh risks and controls.
D. Closely monitor new fraudulent phishing activities targeting bank customers.
A. Employee vacation reviews
B. Monetary instrument log reviews
C. Monthly fraud loss MIS
D. Rule change controls to prevent inadvertent modifications
A. Data mapping; testing; alert generation; SAR reporting; customer risk rating
B. Number of dedicated BSA/AML employees; alert generation; SAR reporting; customer segmentation; data mapping
C. Identification of unusual activity; managing alerts; SAR decision-making; SAR filing and monitoring; SAR filing on continuing activity
D. SAR filing; customer segmentation; risk rating; managing alerts; data mapping
A. Independent auditors.
B. Board or a designated committee.
C. BSA Officer.
D. Bank President.
A. Perform periodic risk assessments and adjust the bank's authentication controls as necessary in response to changing internal and external threats.
B. Continue to rely on the current risk assessment since the FFIEC Guidance on Authentication of Customers only requires a one-time risk assessment.
C. Continue to rely on the existing risk assessment since it was completed within the last seven years.
D. Ask examiners during the next IT exam to review the risk assessment and advise if any changes are needed.
Looking to prepare for the exam? ABA offers CAFP exam Online Prep.View Course
The following questions are representative of the types of questions you will find on the CRCM (Certified Regulatory Compliance Manager) exam.
a. A line of credit used for the borrower's business, secured by the borrower's primary dwelling
b. A revolving line of credit secured by the borrower's primary dwelling used to Improve the borrower's home
c. An increase of a line of credit from $5,000 to $10,000 secured by the borrower's primary dwelling
d. A loan to pay off a contract for a deed secured by the borrower's primary dwelling
a. Before the first EFT occurs
b. Along with the first periodic statement
c. Within three business days of account opening
d. Within three business days of a customer's request for the EFT service
a. Internal audit
c. Board of Directors
d. Compliance officer
a. File a Currency Transaction Report (CTR) with the IRS
b. Discharge Teller #1 immediately
c. Send a notice of adverse action to the bank's federal regulator
d. File a Suspicious Activity Report (SAR)
a. All individual mortgage loans
b. Grants or loans to fulfill CRA activity
c. Non-public or confidential information that will be provided in the public file
d. A copy of the agreement to the regulatory agency 24 months after the end of the term
Looking to prepare for the exam? ABA offers CRCM exam Online Prep.View Course
OSSC Investigator Answer Key 2022: Odisha Staff Selection Commission (OSSC) has published model answer key of Investigator Main written examination, 2022. Candidates who appeared in the computer based test on January 22 can get OSSC Investigator Mains answer key from the commission's website, ossc.gov.in. The direct link is given below.
OSSC Investigator answer key 2022 direct link
The commission has also invited objections to the model answer key. Candidates can submit it up to January 28.
“The candidates intending to raise objection(s) if any on the said provisional Answer key may register objection(s) using their user credential by dt.28.01.2023 positively. Objections received beyond the stipulated date will not be considered. Unsolicited queries/objections raised by other means will not be entertained. Objections registered in the designated link only will be considered,” as per the OSSC notice.
Web Story: Consequences of Cheating in CBSE Board Exams
Students can also get more sets of Class 12 previous years' question papers for CBSE English exam by following the below-mentioned steps.
How to get CBSE Class 12 English Previous Year Question Papers?
Step 1: Visit the official website of CBSE at www.cbse.gov.in
Step 2: Go to the Board Examinations section on the homepage.
Step 3: Different links subject-wise for Class 12 previous years' question papers will appear on the screen.
Step 4: Click on the link and check.
Step 5: get the Class 12 English CBSE previous years' question papers.
Download more Question Papers here
A typical examination question in Mathematics will have several parts to it. Some parts (most usually at the beginning of the question) test your knowledge, by asking you to reproduce "bookwork", i.e. material presented in the lectures. Really, these parts test how well you've revised. Occasionally, especially in certain more advanced courses, there are entire questions that are bookwork. In some courses, some pieces of bookwork come up in the exam almost every year. In other courses, hardly any bookwork is set explicitly.
Tip: Figure out which pieces of bookwork come up most frequently, and make sure you can answer those questions easily and quickly.
You would be surprised how many poor attempts at routine bookwork questions we see every year. These are the parts of the questions that we expect students to be able to do.
Other parts of examination questions involve a "problem". In a "Methods" course, this will typically involve you applying a known technique from the course, and again this is something we expect you to be able to do. In a Pure Mathematics course, you might be asked to prove a result, or to apply a result in a particular setting.
Tip: Sometimes (but certainly not always!), the first part of the question is intended as a big hint as to how you should approach the second part.
Many exam questions, especially those that are otherwise very routine, have a last part (a "rider") which is more challenging than the rest of the question. This is quite deliberate, and the intention is to test whether you've really understood the material.
Tip: Do try all the riders (they're not always so hard after all!) but don't waste too much time on them in an exam if there are other things you can tackle instead.
Students sometimes seem to be annoyed that they have to do something clever to get 100% on a question. Don't forget, in many other subjects it's practically impossible to score 100% on a question!
Tip: Make sure you've answered all the parts of the question. Sometimes you're asked to do seven or eight things, and it's easy to overlook one.
GeneralFinal exams will be generated by the Registrar’s Office according to an exam matrix on or about the last day of the add/drop period for the term for any course that has 'Yes' indicated for a Final exam in the catalog. The day and time of the first class meeting during the week determine the date and time for each exam. Courses that meet outside the normal university block scheduling will be scheduled within the time block that best fits the schedule without creating conflicts for students.
Exam times are as follows:
While exam blocks are three hours long, the real length of the exam is determined by the instructor.
If examination days are postponed because of weather conditions, the first make-up day is documented on the academic calendar.
Faculty should review their exam schedule just after the last day of add/drop. If an exam was not generated or changes are needed, please email: email@example.com. Requests for final exams, combined exams, etc. will not be accepted after the mid-semester evaluation date for the term in question. Please refer to the academic calendar for specific date information.
Note: Requests for combined exams will not be accepted after the mid-semester evaluation date for the term in question. Please refer to the academic calendar for specific date information.
If a student has three (or more) finals scheduled on the same exam day, the student has the right to ask that a make up exam (or exams) be scheduled to reduce the number of exams in each day to two. Under these circumstances, required courses1 take priority, so the student should make every effort to arrange the make-up exam for a non-required course with the respective instructor. Likewise, if a student has two finals scheduled in the same exam period, the required course takes priority; the student should schedule a make-up exam for the non-required conflicting course with the respective instructor. If for any reason a mutually agreeable solution between the student and the instructor cannot be achieved, the student should see his or her college dean immediately.
Students – If you have questions regarding any of your final exams, please contact your instructor directly. Instructors should reach out by email to: firstname.lastname@example.org if an exam update is needed in SiS.
1'Required courses' refers to whichever course is required toward that specific student’s degree pathway.
Exams (including final exams) for fully virtual classes should be administered virtually, as that is the modality which students selected. Exceptions to hold on-campus exams require deans' approval. An email (noting the approval) should be sent by email to: email@example.com so that the exam location may be updated – exceptions are subject to room availability. If approved, faculty must indicate the alternate exam format in their course syllabus and accommodate students who are unable to attend in-person exams.
If a class section is hybrid (includes both an in-person meeting and either an online or virtual meeting pattern), then the final exam will be assigned as in-person, but the instructor may request the final exam to be virtual/online depending on the modes of instruction of the hybrid section. Hybrid courses also include courses that have more than one component with different modes of instruction (i.e., the lecture portion is virtual, but the recitation is in-person) and the instructor may decide whether or not the final exam is in-person in this scenario as well. Any requests for final exam updates should be sent by email to: firstname.lastname@example.org.
Graduate, Online and Professional Studies sections (section number typically begins with '0') take place on the final on-campus meeting day for that section (usually the week prior to the final exam period) – please see the on-campus course dates on Graduate, Online and Professional Studies website for the final meeting date (not to be confused with the course session dates).
If a GPS section is 'matched' (combined) with a day-school section (example ACCT 2010 201 and ACCT 2010 001), the final exam will follow day-school guidelines and an exam block will be assigned for both sections in SIS.
Classroom reservations for ad hoc needs during the final exam period (review sessions, exam accommodations, makeup exams, etc.) will be accepted one week prior to the final exam period. Please email scheduling for these requests.
Individual makeup exams should be coordinated between the student and instructor as needed and should take place through the UMass Lowell Testing Centers or in a department location (please do not use academic classrooms for individual makeup exams without a confirmed reservation).
If an entire class needs to makeup an exam due to an unforeseen circumstance or emergency, the exam should be rescheduled by emailing: email@example.com. Makeup exams for classes should take place during the regular examination period.
The university final exam makeup dates listed on the university calendar are only to be used for inclement weather or other unanticipated university closure and should not be used as final exam dates for individual student or class makeup exams.
Students who are registered with the Disability Services Office and have been approved for an extended time accommodation: if you have two exams scheduled on the same day, you may reschedule one of the exams if it has been confirmed that both exams are scheduled to use the entire 3-hour block. Please refer to the instructions under Examination Conflicts listed above to do so. For any other accommodation or disability-related question or concern, please contact by email: firstname.lastname@example.org or visit Disability Services website for faculty and student resources.
The math placement/assessment is an online test which covers a broad spectrum of Topics from basic math through precalculus. The ALEKS system is fully automated and the assessment is adaptive.
ALEKS avoids multiple-choice questions and instead uses flexible and easy to use answer input tools that mimic what would be done with paper and pencil (free-response environment).
When a student first logs on to ALEKS, a brief *tutorial shows how to use the following ALEKS answer input tools:
*Take your time with this tutorial and be sure you understand how these features work.
Each assessment process consists of 20-30 questions and should take around two hours to complete. The exact number of questions will vary due to the adaptive mechanism. It will be 30 questions and only shorter if the student starts to consistently answer “I don’t know.” It is likely that students will be asked questions on material they have not yet learned. On such questions, it is appropriate to answer, "I don't know" (and is interpreted that the Topic is not familiar to the student). If students think they might know how to solve a question, they should try and answer the question.
The first questions will be drawn from across the curriculum. Based on the previous answer to a question, the next question ALEKS presents, has a 50/50 chance of being answered correctly. As the assessment proceeds, students' answers will be used to deliver the system information about the student's math knowledge, and it will gradually focus the questioning in an individually appropriate way.
WALTERBORO — The lead investigator of the high-profile murders of Alex Murdaugh's wife and son admitted Feb. 15 he was unaware until four months after Murdaugh’s indictment that the defendant’s white T-shirt from the night of the slayings had tested negative for human blood.
State Law Enforcement Division agent David Owen testified he didn’t mean to mislead the grand jury shortly before it indicted Murdaugh in the June 2021 killings when he told them Murdaugh’s T-shirt was covered in high-impact blood spatter. Such spatter stains would indicate Murdaugh was standing just feet away as Maggie and Paul Murdaugh were shot to death.
In response to withering cross-examination by defense attorney Jim Griffin, Owen said he didn’t get an email notification about the negative blood test by SLED’s forensic lab. He testified he learned of its existence only months ago, after Murdaugh’s legal team raised concerns that an outside expert had claimed to find blood spatter on a shirt with no blood.
“How is it the lead case agent is left out of the information channel for something so significant?” Griffin asked.
Owen was expected to be a star witness for the S.C. Attorney General’s Office when he took the witness stand Feb. 15. Legal analysts predicted Owen would help tie together the state’s case, walking Colleton County jurors through the meandering trail of evidence they have heard about over the trial’s first four weeks.
Owen did that, to some degree. Prosecutors played a video of his final interview with Murdaugh on Aug. 11, 2021, in which Owen confronted the soon-to-be disgraced Hampton trial attorney with inconsistencies in his story and asked him point-blank whether he killed his wife and son.
But on cross-examination, Griffin delivered blow after blow to the credibility of Owen’s investigation and the state’s case.
Griffin established that Owen had given the grand jury bad information about blood spatter, once thought to be a central element of the state’s case. (Prosecutors haven’t mentioned spatter a single time at Murdaugh’s trial, in large part because Murdaugh’s defense team found the negative blood test during pre-trial discovery.)
Owen admitted he also misinformed the grand jury that shotguns loaded in the same fashion apparently used to kill Paul had been found at the Murdaughs’ Colleton County hunting estate.
Owen had given the same incorrect information to Murdaugh, 54, in their August 2021 interview, a decision he defended in court Feb. 15.
“I’m allowed to use trickery to elicit a response,” he told Griffin of the interview.
Griffin then asked if Owen had also meant to “trick the grand jury.”
Owen said no. Then, Griffin had him read his own testimony showing he gave the investigative panel incorrect information.
In his earlier testimony on Feb. 15, Owen told the jury about a series of inconsistencies in Murdaugh’s story to investigators about the night of the slayings.
They included Murdaugh’s since-disproven claim that he was never with his wife and son by their hunting estate’s dog kennels on June 7, 2021, before discovering their bloody bodies there later that night.
Multiple witnesses have testified they can hear Murdaugh’s voice in the background of a video Paul recorded on his phone at 8:44 p.m., just minutes before his phone and his mother's phone stopped answering messages or calls.
But on cross-examination, Griffin focused on inconsistencies and flaws in the ensuing murder investigation that led to Murdaugh’s indictment.
He sought to establish that state agents trained on Murdaugh from the beginning and bungled parts of their investigation that could have exonerated him or implicated other suspects.
Law enforcement failed to dust parts of the crime scene for fingerprint evidence, failed to conduct a thorough search of Murdaugh’s home and never once asked Murdaugh for the khaki pants and Columbia-style fishing shirt he was wearing earlier on the day of the slayings, Griffin established.
Prosecutors now seem to imply that Murdaugh was wearing those clothes when he allegedly killed Maggie and Paul, then stashed them somewhere and changed into the white T-shirt and green shorts he wore when first responders arrived.
Investigators didn’t test Maggie and Paul’s clothes for DNA, and they didn’t identify a mystery male’s DNA that was found under Maggie’s fingernails, Griffin noted.
SLED also failed to search Murdaughs’ parents’ home until three months after the killings, Owen acknowledged, even though prosecutors have now openly speculated that Murdaugh hid the murder weapons there before disposing of them for good later. Owen said he didn't think at the time that he had the probable cause needed to seek a search warrant for the property.
“Would you agree that was an opportunity missed?” Griffin asked.
“Probably, yes,” Owen replied.
Griffin solicited testimony that investigators found no DNA, blood, stains or gunshot residue in the back of Murdaugh’s 2021 Chevrolet Suburban to support the theory that Murdaugh carried the murder weapons with him when he drove to his parents’ house that evening to visit his mother.
The murder weapons — a 12-gauge shotgun used to kill 22-year-old Paul and a .300 Blackout semiautomatic rifle used to kill Maggie, 52 — are still missing, according to testimony offered at trial.
Owen suggested that Murdaugh could have wrapped the weapons in a blue rain jacket that was found in his parents’ home. The jacket was covered in gunshot residue, investigators learned. A caregiver for Murdaugh’s mother said she saw Murdaugh stash something that looked like it in his parent’s home in the days after the slayings.
Griffin has indicated caregiver Shelley Smith actually saw a blue tarp — not the rain jacket. He maintains prosecutors have no real evidence linking it to Murdaugh.
Under questioning, Owen acknowledged that investigators showed the blue jacket to a number of Murdaugh’s relatives in an effort to link it to him.
“Not a single family member recognized that blue rain jacket,” Griffin said.
“No, they did not,” Owen conceded.
Earlier in the day, prosecutors showed the jury the never-before-seen video of Murdaugh’s final SLED interview in August 2021.
Murdaugh and his best friend-turned-defense attorney, Beaufort lawyer Cory Fleming, seemed to be on edge going in.
Fleming said he thought Murdaugh was meeting with SLED for an update on the case. He was surprised to learn agents Owen and Jeff Croft had questions for Murdaugh as well.
“Are you asking him questions to further your investigation,” Fleming asked, “or are you asking him questions because you think he’s a suspect?”
“I am asking these questions to further my investigation,” Owen replied.
Eventually, Fleming allowed the interview to proceed.
In polite and understanding tones, Owen and Croft bounced from subject to subject as they peppered Murdaugh with questions.
At times, they seemed to express sympathy for Murdaugh. Owen once said Murdaugh was the only person in the world who wanted the murders solved more than him.
But in other moments, they confronted Murdaugh with information they had gathered that conflicted with his statements to investigators in the hours and days after the killings.
Owen asked Murdaugh about his contention that he never saw Maggie and Paul at the dog kennels that night, for example. Owen then told Murdaugh investigators had spoken with one of Paul’s friends, Rogan Gibson, who said he spoke with Paul on the phone around 8:40 p.m. and heard Murdaugh’s voice in the background.
Murdaugh was aware. “Rogan Gibson asked me if I was up there,” Murdaugh said. “He said he thought it was me.”
“Was it you?” Owen asked.
“At 9 o’clock? No, sir,” Murdaugh said. “Not if my times are right.”
Owen told Murdaugh that shell casings found around Maggie's body matched older casings found elsewhere on the hunting estate, indicating she was killed with a family weapon.
He told Murdaugh he was having difficulty wrapping his head around the timeline of that evening, in part because of inconsistencies in Murdaugh’s recollection of that day.
At the end of the interview, Owen said he had just a few more questions.
In a matter-of-fact voice, he asked, “Did you kill Maggie?”
“No,” Murdaugh said. “Did I kill my wife? No, David.”
“Do you know who did?” Owen asked.
“No, I do not know who did,” Murdaugh said.
Owens asked the same questions about Paul, and Murdaugh gave the same answers.
Then it was Murdaugh’s turn to ask the questions.
He asked whether Owen thought he killed Maggie and Paul.
Owen juggled his hands.
“I have to go where the evidence and the facts take me,” he said, “and I don’t have anything that points at anybody else at this time.”