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 three actions should employees be instructed to do during an internal investigation?
- A . Provide corporate documents directly to law enforcement
- B . Inform counsel of all request for documentation
- C . Make copies of all documents provided to law enforcement
- D . Keep a log of the documents requested
The Office of Foreign Assets Control requirements have an extraterritorial reach because compliance is required by:
- A . US persons in the US.
- B . intermediaries of a transaction with a US nexus.
- C . entities registered in the US.
- D . foreign financial intelligence units.
In general, what is an element that a financial institution or business does not have to specifically address in an anti-money laundering program?
- A . A system of internal policies, procedures and controls
- B . A designated compliance officer with day-to-day oversight over the AML program
- C . An ongoing employee training program
- D . A description of its OFAC program to address government watch list screening
When must a United States (U.S.) bank block or reject an international funds transfer when there is an Office of Foreign Assets Control designated party to the transaction?
- A . Only if the U.S. bank is involved in the funds transfer
- B . Only if a U.S. person or entity is the ultimate beneficiary
- C . Only if a non-U.S. person or entity is the ultimate beneficiary
- D . Only if the U.S. bank’s correspondent informs it of the involvement of the designated party
A non-U.S. bank asks its U.S. correspondent whether there is risk of having funds seized in their correspondent account if a customer is involved in a predicate offense. The correspondent bank’s reply should be,
- A . "No, only U.S. accounts for U.S. citizens can be seized and forfeited by the competent authority."
- B . "No, only correspondent accounts of U.S. banks can be seized and forfeited by govern-ment agencies."
- C . "Yes, if it is suspected that money laundering has occurred solely in the U.S."
- D . "Yes, also if the customer’s account is used in a country other than the U.S. by suspected money launderers."
To what extent should senior management and the Board of Directors be involved in the filing of any STR?
- A . They should be informed of all significant STRs and the numbers and trends of the filings
- B . They should be given copies of all STRs filed by the institution
- C . They should review and approve the filing of all STRs
- D . They should be the only designated individuals to communicate with law enforcement
A financial institution (FI) has decided to revamp its compliance program to be more risk-based.
Which option should the FI use as part of the new risk-based compliance program?
- A . Leadership-based
- B . Predictive-based
- C . Transaction-based
- D . Data-based
Money laundering has social and economic impacts, especially within developing countries. A high volume of money laundering in a country may: (Select Two.)
- A . Reduce confidence in the country’s financial sector.
- B . Dissuade government tax incentive programs.
- C . Lower the employment rate.
- D . Dissuade foreign investment.
- E . Reduce volatility in exchange and interest rates.
A bank receives an anonymous tip from an employee about another employee through its confidential hotline.
Which activity warrants further review?
- A . A mortgage officer works with home loan applicants to resolve adverse credit issues
- B . An employee in bookkeeping accepts funds transfer requests from customers via telephone
- C . An employee in accounting works with customers to help understand how to reduce service charges
- D . A teller distributes bank brochures to customers who regularly conduct cash transactions below
reporting
limits
What is a key risk associated with Correspondent Accounts according to the Basel Customer Due Diligence paper?
- A . It is not used on a daily basis
- B . The service fees are insufficient to cover the cost of managing the account
- C . The respondent bank’s customer acceptance and know your customer policies are ineffective
- D . The volume and value of transactions passing through the account may not be in line with the original correspondent agreement