Risk and Artificial Intelligence

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These questions were last updated on May 13, 2026
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Question 1 of 150

Which of the following is considered a key breakthrough in Artificial Intelligence during the late 1980s?

The development of search, recursion, and look ahead algorithms.

The discovery and success of back-propagation.

The use of decision tree models for classification and prediction.

The development of neural network models with a single layer of artificial neurons.

Question 2 of 150

A credit risk analyst is preparing data for a K-nearest neighbors (KNN) model used to flag potentially risky loan applications. Two features are selected:
Annual Income (dollars, X-axis)
Debt-to-Income (DTI) Ratio (percentage, Y=axis)
Before modeling, the analyst visualizes the raw data shown below.
Exam rai: Image 1

Annual income ranges from $30,000 to $150,000, while DTI ratios range from 10% to 50%. The analyst intends to use Euclidean distance to identify similar borrowers.
Given the pattern shown in the plot, which data preparation step would be most appropriate before fitting the model?

Use the raw variables because KNN is robust to differences in feature scale.

Scale both variables so that income and DTI contribute comparably to distance calculations.

Apply a logarithmic transformation only to Debt-to-Income (DTI) Ratio.

Apply categorical encoding to both variables to eliminate scale differences.

Question 3 of 150

AI systems like ChatGPT represent a major advancement in AI, and some feel these systems exhibit apparent artificial general intelligence.
Which of the following statements best describes how ChatGPT works?

ChatGPT responds to prompts by generating a response using a pre-determined menu of responses.

ChatGPT responds to prompts by imitating a response, with some variation, based on textual data it is trained on.

ChatGPT responds to prompts by generating a purely random response based on textual data it is trained on.

ChatGPT responds to prompts by generating a response that paraphrases the question it is asked.

Question 4 of 150

An analyst is developing a model that predicts the default probability of consumer loans based on income information and macroeconomic data. The analyst uses a technique which creates a probability distribution over the input space conditional on output to explain the model’s results.
Which of the following techniques is the analyst using?

Feature Importance Scores

LIME

LUCID

Shapely Values

Question 5 of 150

A financial planning and analysis manager is analyzing transaction-level operational loss data across multiple business units in a corporation. These data contain:
Irregularly shaped clusters of loss events driven by different operational processes.
Several outliers resulting from extreme loss events.
Which clustering technique is most appropriate for this analysis?

Principal component analysis clustering

Hierarchical clustering

Density-based clustering (DBSCAN)

K-means clustering

Question 6 of 150

Which of the following best describes the approach used when configuring high availability across multiple regions to ensure minimal downtime during failover events?

Deploy active-active clusters with cross-region replication and automated DNS failover to maintain service continuity

Use a single-region deployment with periodic manual snapshots for disaster recovery purposes

Configure load balancers in each region with independent database instances and no synchronization

Implement cold standby servers that require manual intervention to activate during outages

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