ACAMS CAMS Übungsprüfungen
Zuletzt aktualisiert am 10.05.2025- Prüfungscode: CAMS
- Prüfungsname: Certified Anti-Money Laundering Specialist
- Zertifizierungsanbieter: ACAMS
- Zuletzt aktualisiert am: 10.05.2025
When using virtual assets such as Bitcoin to finance terrorism, which tactic may be used to ensure that the virtual assets are not easily seized by law enforcement?
- A . Using self-hosted wallets to create many different donation addresses that are updated continuously
- B . Posting donation addresses that are linked to accounts at centralized virtual asset service providers
- C . Using the same donation address across multiple donation campaigns and media types
- D . Forming relationships with virtual asset service providers that have strong KYC processes in place to avoid suspicion
What poses the greatest money laundering risk for a financial institution offering on-line services to customers?
- A . There is a greater difficulty in matching the customer with the provided identification documentation
- B . There is a lack of human review of the customer’s transactions
- C . Institutions offering on-line services have no possibility to properly verify the identity of their customers
- D . Customers have direct access to their accounts without being detected
A U.S. bank recently received a regulatory order to remediate its AML programs, which included several violations of law.
What degree of accountability is it possible for the bank’s senior management and employees to face?
- A . The bank’s designated AML compliance officer and senior management may face personal liability if they failed to take actions while aware of AML violations at the bank.
- B . The bank’s designated AML compliance officer is likely to face criminal prosecution because the bank received a regulatory order.
- C . The bank’s designated AML compliance officer is the only individual in the company’s senior management team that can face personal liability for violation of AML laws.
- D . The bank’s designated AML compliance officer and senior management can face civil prosecution but not criminal prosecution for violation of AML laws.
A financial institution is reorganizing and the anti-money laundering officer is now required to report
to the Sales Director.
Which of the following statements about this situation is most correct?
- A . The reorganization will ensure communication of anti-money laundering issues to the board.
- B . The reorganization will enhance the compliance framework.
- C . The anti-money laundering officer should be elevated to a position on the Board.
- D . The anti-money laundering officer should be independent of business functions.
What are the regulatory risks to a bank employee who willfully violates anti-money laundering laws?
- A . Investigation and reputational damage
- B . Fines and suspension from the industry
- C . Criminal investigation and imprisonment
- D . Enforcement actions including fines against the financial institution
The new compliance officer has reviewed the bank’s anti-money laundering training program. The program consists of online training for all new employees within 30 days of hire date and annual refresher training to all employees. In addition, there is specialized training for areas that deal with higher risk products and customers.
Over the last year, there have been no regulatory changes and no new products or services have been introduced. The compliance officer wants to propose to the board of directors that the annual refresher training is still current and can be delivered unchanged to all employees.
Which two critical pieces of information could be missed by taking this approach? (Choose two.)
- A . Any new trends, developments, or risks
- B . Results of the previous year’s risk assessment
- C . Changes to internal policies, procedures, and processes
- D . Links to enforcement actions identifying violations in other financial institutions
Which operational situation might indicate that money laundering is occurring at or through a deposit-taking financial institution?
- A . The institution has observed an increase in customer demand for large-denomination banknotes.
- B . The institution has observed an increase in the adoption of its digital products and services.
- C . The institution has observed a reduced settlement time in the transaction services that support the rapid movement or remittance of funds.
- D . The institution maintains a sequentially numbered log of the monetary instruments it sells.
Which are the requirements of the Filth AML Directive of the EU? {Select Two.)
- A . Promoting the record keeping obligations of banks to the maximum amount of data necessary for the purposes of AML investigations
- B . Broadening the criteria for assessing high-risk third countries
- C . Extending AML rules to entities that provide virtual currency services
- D . Developing a variant approach m the strategy for the treatment of organized crime and terrorism threats
- E . Providing information access to financial intelligence units according to the differences in the nature of their functions, competences, and powers
Which are the requirements of the Filth AML Directive of the EU? {Select Two.)
- A . Promoting the record keeping obligations of banks to the maximum amount of data necessary for the purposes of AML investigations
- B . Broadening the criteria for assessing high-risk third countries
- C . Extending AML rules to entities that provide virtual currency services
- D . Developing a variant approach m the strategy for the treatment of organized crime and terrorism threats
- E . Providing information access to financial intelligence units according to the differences in the nature of their functions, competences, and powers
Which red flags could indicate increased terror financing and money laundering risks related to cultural objects? (Select Three.)
- A . Use of art storage facilities located in tax-free zones.
- B . Paying fair market value or premium prices for valuable art, gems, or precious metals at auction.
- C . Engagement of third-party art advisors as representatives at art auctions.
- D . High-quality single pieces of significant value sold on social media platforms.
- E . Use of art and antiquity experts to verify an item’s authenticity.