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
Which of the following scenarios best justifies why a customer’s account might be closed by a financial institution?
- A . The account has transactions that triggered multiple suspicious activity reports (SARs).
- B . The account shows periodic fixed amount remittances for tuition fees.
- C . The customer uses a shipping company dealing with specially designated nationals (SDNs).
- D . The customer is the object of a civil subpoena.
The Wolfsberg Principles
- A . 1, 2, and 3 only
- B . 1, 2, and 4 only
- C . 1, 3, and 4 only
- D . 2, 3, and 4 only
As a result of an audit, a policy exception was identified that had been approved by the compliance officer.
The auditor determined that the policy exception is a violation of a regulatory requirement.
What should the auditor do?
- A . Advise the compliance officer on how to appropriately respond to policy exceptions.
- B . Include the regulatory violation in the audit report and report it to the board of directors.
- C . Consult with legal counsel to determine if the approval of the policy exception was acceptable.
- D . Include the regulatory violation in the audit report and recommend the compliance officer be subject to disciplinary action by the board of directors.
As a result of an audit, a policy exception was identified that had been approved by the compliance officer.
The auditor determined that the policy exception is a violation of a regulatory requirement.
What should the auditor do?
- A . Advise the compliance officer on how to appropriately respond to policy exceptions.
- B . Include the regulatory violation in the audit report and report it to the board of directors.
- C . Consult with legal counsel to determine if the approval of the policy exception was acceptable.
- D . Include the regulatory violation in the audit report and recommend the compliance officer be subject to disciplinary action by the board of directors.
The local manager of a remote mortgage origination department of a financial institution has just discovered that sanctions screening of new customers is not being performed.
Which action should the local manager take in this situation?
- A . Start screening new customers
- B . Immediately inform the regulators
- C . Immediately inform senior management
- D . Do nothing because the department only handles a very small number of mortgages
Typical events to identify and investigate potential AML activities include: (Select Three.)
- A . blocked transactions involving individuals included in the Office of Foreign Assets Control Specially Designated Nationals and Blocked Persons List.
- B . internal tips from employees of the bank about potential suspicious activity.
- C . alerts triggered by the automated AML monitoring system.
- D . subpoenas requesting information for civil cases.
- E . requests from law enforcement agencies.
- F . accounts going to dormant status.
What are two reasons physical certificates present a money laundering risk to broker-dealers? (Choose two.)
- A . The trade information on a physical certificate can be easily altered
- B . Physical certificates do not expire and may be held by the owner for perpetuity
- C . There is little information readily available to the broker confirming the source of the funds
- D . Physical certificates may be provided to nominees for deposit or settled in off-market transactions
What are two reasons physical certificates present a money laundering risk to broker-dealers? (Choose two.)
- A . The trade information on a physical certificate can be easily altered
- B . Physical certificates do not expire and may be held by the owner for perpetuity
- C . There is little information readily available to the broker confirming the source of the funds
- D . Physical certificates may be provided to nominees for deposit or settled in off-market transactions
An example of an external factor that will affect an organization’s AML risk is:
- A . acceptance of new customer types.
- B . political system changes in a specific jurisdiction.
- C . introduction of a new product which will be offered to a wide range of clients.
- D . introduction of mobile banking for all clients.
Which two factors assist a money laundering investigation that involves multiple countries? (Choose two.)
- A . Law enforcement and other authorities should have access to financial information that is
pertinent to the investigation. - B . Every country should share all their information with foreign law enforcement and government authorities to facilitate rapid investigations.
- C . Law enforcement and other authorities should be allowed to establish and utilize joint investigative teams
with law enforcement in other countries. - D . Law enforcement and other authorities should not expedite information sharing between countries to ensure that all information is provided at the same time to avoid premature conclusions.