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 team overseeing the governance and effectiveness of a bank’s transaction monitoring approach should implement which strategies? (Select Two.)
- A . Periodic review of suspicious activity reports (SARs) filed with FinCEN to determine whether any should be withdrawn.
- B . Periodic and ad hoc cooperation with the legal team to appropriately investigate and monitor the transactions of subjects of subpoenas or government inquiries.
- C . Periodic review of client profiles to ensure that the most up-to-date information is on file for high-risk clients in line with the bank’s internal policies and procedures.
- D . Periodic review of the transaction monitoring scenarios and their productivity to ensure that appropriate AML typologies are reflected.
An institution has made the decision to exit a client relationship due to anti-money laundering concerns. Prior to starting the close out process, the institution receives a written request from a law enforcement agency to keep the account open. The client is the subject of an ongoing investigation and law enforcement wants the institution to continue to monitor the account and report any suspicious activity.
What is primary consideration the institution should keep in mind when deciding whether to agree to this request?
- A . The anticipated cost of complying with the law enforcement request
- B . The number of suspicious transaction reports previously filed on the client
- C . The fact that the institution has a solid record in complying with law enforcement requests
- D . Whether the institution can continue to meet its regulatory obligations with the accounts open
A foreign bank operating under an offshore license wants to open a correspondent account with a United States (U.S.) bank. The foreign bank plans to provide payable through account services to some of its customers.
What must the foreign bank provide to the U.S. bank under the USA PATRIOT Act?
- A . A list of politically exposed persons who are owners of the correspondent bank
- B . A list of account holders at the financial institution who will use the payable through account
- C . The person in the United States who can receive service of legal process for the correspondent bank
- D . A list of anti-money laundering training records for the financial institution employees monitoring payable through account transactions
How should a financial institution deter money laundering through new accounts? Choose 3 answers
- A . Document the identity of the party opening the account
- B . Query owner’s names against FATF database
- C . Determine the beneficial owner(s) of the account
- D . Seek to determine the source of deposited funds
A law enforcement agency is reviewing a suspicious transaction report (STR) filed by a financial institution for suspicious activity on a client’s account. Subsequently, the agency requests further information.
Which supporting documentation might the law enforcement agency request from the institution to facilitate its investigation?
- A . Previously filed STRs on the same customer
- B . Account opening documents and account statements
- C . Copies of promotional materials sent to the customer
- D . A copy of the institution’s STR policy and procedures
Which of the following represents the first Financial Action Task Force initiative?
- A . The 40 Recommendations on Money Laundering
- B . The Report on Non-Cooperative Countries and Territories
- C . The Report on Money Laundering Typologies
- D . The Special Recommendations on Terrorist Financing
An individual opened an account with a minimal cash deposit at a financial institution. He presented a foreign passport and stated he would be working locally for a few months. He also requested information about making electronic fund transfers. The institution was subsequently unable to verify the employment or residence information provided by the individual. Soon after this, a large transfer was sent to the customer’s account.
Which of the following is the course of action recommended by the Basel Committee on Banking Supervision’s Customer Due Diligence for Banks?
- A . Post the deposit to the account and notify the customer that the deposit has been made.
- B . Implement enhanced due diligence procedures to monitor the account for suspicious activity.
- C . Close the account and return the funds to the source from which they were received.
- D . End the relationship by sending a check (cheque) to the customer for the full amount in the account.
Which activity associated with new or developing technologies does the Financial Action Task Force recommend financial institutions pay special attention to?
- A . High volumes of cash transactions
- B . Complex or unusually large transactions
- C . Financial intermediaries performing transactions for customers
- D . Non-face-to-face business relationships or transactions
What is the purpose of a Risk Appetite Statement (RAS) and its linkages while implementing organizational controls? (Select Two.)
- A . An RAS formalizes a risk appetite statement from management and informs the Board of Directors on the risk assessment performed.
- B . An RAS establishes a desired level of risk exposure in qualitative terms, covering all areas of compliance.
- C . An RAS sets limits for risk-taking by means of quantitative and qualitative metrics so that the business does not take up risk in excess of the organization’s risk tolerance.
- D . An RAS establishes a management-approved policy that identifies the organization’s risk tolerances with strategic objectives, risk profile, and risk management capabilities.
- E . An RAS sets limits in terms of residual risk and thus is strongly intertwined with the efficacy of the system of internal controls.
A compliance officer was recently reviewing transactional data for an international charity and found transactions that present a higher risk.
Which reason is cause for terminating the banking relationship?
- A . The charity has had a high a high turnover rate of official positions
- B . The charity has several incoming international funds transfers
- C . The flow of funds both in and out are complex and hard to trace
- D . The charity is headquartered in a country on the Office of Foreign Assets Control list