ACAMS CAMS Übungsprüfungen
Zuletzt aktualisiert am 11.05.2025- Prüfungscode: CAMS
- Prüfungsname: Certified Anti-Money Laundering Specialist
- Zertifizierungsanbieter: ACAMS
- Zuletzt aktualisiert am: 11.05.2025
What are three elements of a sound Customer Due Diligence Program?
- A . Determination of what type of customer the financial institution will accept
- B . Training as to how and to what extent to identify prospective customers
- C . Obtaining date of birth and address of a prospective customer
- D . Determination of who in the institution should be assigned to the prospective customer as a liaison
A bank receives a request for a subpoena (or a client who has been the subject of monitoring for several months. The bank wishes to close the account in order to mitigate any additional risk. However, the government requires that the account remain open.
What document must be provided to the bank to keep the account open?
- A . An email agreement between the government and the financial institution to keep the account open
- B . A request in writing under proper letterhead and authority from the government
- C . An order to keep the account open but with the funds frozen
- D . An authorization from the board of directors
Which of the following are key metrics that provide valuable data to senior management about the effectiveness of an FI’s AML controls?
- A . The number of money laundering alerts generated by the watchlist screening system.
- B . The number of clients exited for commercial reasons.
- C . The number of high-risk customers onboarded each month.
- D . The ratio of true positives to false positives generated by the automated monitoring system.
Upon filing a suspicious transaction report, which of the following elements should be the highest anti-money laundering priority in making the decision to keep the account open?
- A . Financial impact on the institution if the account is closed.
- B . Procedures to ascertain the potential risk to the organization.
- C . Additional Administrative costs of monitoring the account.
- D . Total number of accounts the institution closed in the last month.
The owner of a local retail store makes multiple deposits daily at a bank. When the owner makes these deposits, it is noted that he goes to different tellers (cashiers). The deposits consist of cash in amounts less than the currency reporting threshold.
Which of the following best describes this activity?
- A . layering
- B . structuring
- C . integration
- D . commingling
Which action should financial institutions with cross border correspondent banking activity be required to perform according to the Financial Action Task Force 40 Recommendations?
- A . Gather a list of their politically exposed customers
- B . Identify natural persons who own or control more than 5%
- C . Obtain senior management approval before establishing the relationship
- D . Obtain a third party independent review of the respondent’s anti-money laundering program
Which measures help limit the collection and use of personal data when performing AML-related controls?
- A . Allowing unrestricted access to customer data across departments to facilitate quick decision-making.
- B . Implementing data minimization strategies to collect only the personal data necessary for
transaction monitoring. - C . Regularly reviewing and updating data processing policies to ensure they align with industry standards.
- D . Allowing repurposing of collected data to avoid redundant processes.
When should new business products to evaluated for AML concerns?
- A . After they have been implemented so there is empirical data to review
- B . Before they are launched into the market
- C . At the time of the next enterprise risk assessment
- D . On an annual basis
A relationship manager in a bank has had a private banking customer for 10 years. The customer has business accounts and investments and seeks advice on the creation of a company overseas. The relationship manager refers the customer to the commercial banking manager and vouches for the customer.
Which of the following risk factors is the most important?
- A . The proposed offshore jurisdiction is known for its strong privacy laws limiting access to customer information by law enforcement.
- B . The customer does not want to provide more information than when the first account was opened.
- C . The company wants to transfer funds in large, even amounts.
- D . Entities that are to receive funds from this company are located in the same country.
Which response represents a high-level principle for FATF-Style Regional Bodies (FSRB)?
- A . Membership, mission, financial procedures, and budget
- B . Dependent with different experiences to strengthen the overall effort
- C . Access to documents and assistance with meetings
- D . Reciprocity for effective participation and recognition of work