Nộp tiền mặt lớn - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Khách nộp USD 12,000 cash, teller hỏi nguồn gốc tiền theo BSA/AML. 3 câu hỏi: amount, source, verification.
Hội thoại
Teller: Good afternoon, sir. How can I help you?
Customer (Michael): I'd like to deposit this cash into my checking account.
Teller: Of course. How much would you like to deposit?
Michael: USD 12,000.
Teller: For deposits exceeding USD 10,000, we're required to file a Currency Transaction Report (CTR) per federal regulations. Could you tell me the source of these funds?
Michael: Yes, I recently sold my vintage car and received this cash payment from the buyer.
Teller: Thank you. Could you provide documentation such as the bill of sale or a bank deposit slip showing where the buyer's funds originated?
Michael: Sure, here's the bill of sale and a copy of the wire transfer receipt.
Teller: Perfect. I'll process the deposit and file the necessary CTR. You'll receive a confirmation receipt.
Michael: Thank you for your help.
3 câu hỏi trắc nghiệm
Question 1: How much is the customer depositing?
- (A) USD 8,000
- (B) USD 10,000
- (C) USD 12,000 ✓
- (D) USD 15,000
Đáp án: (C) - "USD 12,000".
Question 2: What is the source of the funds?
- (A) Salary from employer
- (B) Inheritance
- (C) Sold vintage car ✓
- (D) Loan from bank
Đáp án: (C) - "I recently sold my vintage car".
Question 3: What document did the customer provide?
- (A) Tax return
- (B) Bill of sale and wire transfer receipt ✓
- (C) Employment contract
- (D) Insurance policy
Đáp án: (B) - "bill of sale and a copy of the wire transfer receipt".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| deposit cash | nộp tiền mặt |
| checking account | tài khoản thanh toán |
| Currency Transaction Report (CTR) | báo cáo giao dịch tiền tệ |
| federal regulations | quy định liên bang |
| source of funds | nguồn tiền |
| vintage car | xe cổ |
| recently sold | mới bán gần đây |
| bill of sale | hóa đơn bán hàng |
| bank deposit slip | phiếu nộp tiền |
| wire transfer receipt | biên lai chuyển tiền |
| documentation | tài liệu |
| exceeding | vượt quá |
| required to file | bắt buộc nộp |
| process | xử lý |
| necessary CTR | CTR cần thiết |
| confirmation receipt | biên lai xác nhận |
Traps
Bẫy 1: Threshold CTR
- USD 10,000 threshold - nhầm USD 10,000 vs 11,000.
Bẫy 2: Source of funds phải khai
- Ngân hàng BẮT BUỘC hỏi khi deposit > USD 10k.
Bẫy 3: Document types khác nhau
- "Bill of sale" không phải "tax return" - chỉ liên quan transaction mua bán.
Topic: Large cash deposit USD 12,000 với source of funds documentation.
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