ACAMS CAMS Übungsprüfungen
Zuletzt aktualisiert am 08.09.2025- Prüfungscode: CAMS
- Prüfungsname: Certified Anti-Money Laundering Specialist
- Zertifizierungsanbieter: ACAMS
- Zuletzt aktualisiert am: 08.09.2025
A bank teller receives a written request from a police officer to review a previous customer’s account on a pre-populated form with the officer’s official letter head. The officer suspects the previous
customer is engaging in smurfing.
Which action should the bank teller perform?
- A . Provide the police officer information after AML compliance approval.
- B . Reject the request and escalate to the compliance officer.
- C . Provide the police officer information after management approval.
- D . Escalate the request to the compliance officer.
A financial institution is designing an Enterprise-Wide Risk Assessment (EWRA).
According to the Wolfsberg Group’s risk-based approach to AML, an effective EWRA should:
- A . Use a framework provided by a third-party vendor and used by other FIs in the jurisdiction.
- B . Include appropriate measures and controls to mitigate money laundering risks stemming from higher-risk customers, products, and geographies.
- C . Focus on understanding the risks presented by new clients within the assessment period and the controls to mitigate associated money laundering risks.
- D . Focus on the inherent risk in the FI’s product and service offerings and the controls to mitigate potential money laundering risks.
In which situation can money laundering adversely affect a country’s currencies and interest rates due to launderers investing dirty funds?
- A . They invest in high risk ventures with high rates of return
- B . They invest in legitimate companies as a way of making their funds appear to be legitimate
- C . They invest in shell companies in secrecy havens that intentionally manipulate rates
- D . They invest in a way to hide funds rather than get a high rate of return
A bank received a subpoena regarding one of its clients. The Financial Intelligence Unit (FIU) of the bank should review the subpoena and:
- A . File a Suspicious Activity Report (SAR), including the receipt of the subpoena in the SAR narrative.
- B . Perform a transaction review and respond fully to the subpoena.
- C . Close the client’s account by informing the client of the subpoena.
- D . Adjust the client’s risk score and close the case.
What types of things should an institution incorporate in it AML policies and procedures? Choose 3 answers
- A . On-going training, as well as initial training of new employees
- B . Periodic audits, to be performed by independent staff at least once a year
- C . Ability to incorporate relevant legislative and regulatory AML changes
- D . Review of the AML policy by the Board of Directors
What types of things should an institution incorporate in it AML policies and procedures? Choose 3 answers
- A . On-going training, as well as initial training of new employees
- B . Periodic audits, to be performed by independent staff at least once a year
- C . Ability to incorporate relevant legislative and regulatory AML changes
- D . Review of the AML policy by the Board of Directors
An internal investigation log is primarily intended to:
- A . Provide training on investigations to the anti-money laundering officer and Financial IntelligenceUnit.
- B . Track the status of investigations into unusual activity.
- C . Report status of investigations to the Board of Directors.
- D . Report status of investigations to the Board of Directors.
- E . Detect and monitor possible suspicious activity.
Which situations would require a financial institution (FI) to update its ML/TF risk assessment? (Choose two.)
- A . When new products, services or customer types are introduced
- B . When new board members are elected
- C . When the AML compliance team hires new employees
- D . When the institution faces a merger or acquisition
- E . When opening a sales point in a new location in the same city
A compliance analyst is reviewing the account activity of a customer that they suspect may be indicative of money laundering activity.
Which is difficult to determine solely from the customer’s account activity and KYC file?
- A . If the activity is materially different from related businesses
- B . If the account has multiple transfers to the same, related businesses
- C . If there is negative media associated with counterparties
- D . If the account is mostly dormant or has little activity
What is an essential element of Know Your Customer (KYC) standards according to the Basel Committee’s Customer Due Diligence for Banks paper?
- A . Annual staff training
- B . A customer acceptance policy
- C . The same KYC requirements must be applied in all cases
- D . All completed KYC documents must be reviewed by a senior manager not involved in the account
opening
process