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
When implementing a risk-based approach related to casinos, which risks are related to the customer as an individual? (Choose two.)
- A . Transfer between customers
- B . Casual customers
- C . Improper use of third parties as customers
- D . Customer from a high-risk country
- E . Use of casino deposit accounts by the customer
A bank organized under foreign law and located outside of the U.S. maintains a correspondent banking relationship with a U.S.-based bank to handle financial transactions in U.S. dollars for its clients.
In compliance with the USA PATRIOT Act of 2001, all U.S. banks and broker-dealers in securities must obtain a signed certification from all non-U.S. foreign bank clients conducting business with them.
What information does the USA PATRIOT Act of 2001 require the foreign bank to certify to the U.S. bank? (Select Three.)
- A . The ownership details of the foreign bank.
- B . The foreign bank will not allow indirect use of the correspondent bank accounts by Politically Exposed Persons (PEPs).
- C . The jurisdictions in which the foreign bank maintains a physical presence.
- D . The foreign bank’s operations will be limited to the country of incorporation.
- E . The foreign bank will not allow indirect use of the correspondent bank accounts by shell banks.
A businessman requests a European private bank to open a numbered or alternate name account.
According to the Basel Committee on Banking Supervision principles, which of the following is the most important question the banker should ask?
- A . Who will control the account?
- B . Who will inherit the proceeds in the event of the businessman’s death?
- C . How much money will be deposited into the account?
- D . What account-opening date should I record‘!‘
A bank account is established for a new business customer. The business was established five years ago with an address in another state. The business website contains few details other than stating it is a real estate business.
One principal has an international telephone number and appears to be living in another country.
The other principal works out of a recreational vehicle.
What warrants enhanced due diligence in this scenario?
- A . Shell company
- B . Human trafficker
- C . Politically exposed person
- D . Money laundering through real estate
An anti-money laundering analyst is reviewing a new customer list to confirm potentially high risk customers have been identified and subject to enhanced due diligence.
Which new customer warrants enhanced due diligence?
- A . A non-profit hospital
- B . A fundraising organization
- C . An employee benefit plan trust
- D . A medical practice limited partnership
In the FATF 40 recommendations, the focus of AML efforts has been expanded beyond Financial Institutions.
Which three businesses and/or professions are covered? Choose 3 answers
- A . casinos, when customers engage in financial transactions equal to or above a designated Threshold
- B . Real estate agents when they are involved in transactions for clients concerning buying and selling properties
- C . Dealers in art, when they engage in any cash transaction with a customer at or above a designated threshold
- D . Trust and company service providers
Which product type is subject to US extra-jurisdictional reach over non-US banks and non-US persons under the USA PATRIOT Act?
- A . Commercial lending
- B . Correspondent banking
- C . Trade finance
- D . Private banking
Which factor should a financial institution (FI) consider prior to sharing customer records within the same jurisdiction?
- A . The availability of the institution’s information sharing practices
- B . The degree to which the collected client data is complete
- C . The locally applicable restrictions regarding the disclosure of client information
- D . The potential different time zones within the same jurisdiction
Which principles of the Egmont Group of Financial Intelligence Units (Fills) are aimed at maximizing cooperation between FlUs to more effectively combat money laundering? (Select Two.)
- A . Eliminating spontaneous information sharing between FlUs to reduce the burden of excess investigative work.
- B . Information exchange should take place informally, without too many formal prerequisites.
- C . FIU cooperation should always be channeled through designated intermediaries.
- D . Formal Egmont Group membership requirements ensure a high commitment of the eligible FlUs.
- E . It is within an FlU’s authority to sign Memorandums of Understanding independently.
The compliance officer at a crowd funding website is in charge of monitoring new crowd funding projects.
Recently, the number of crowd funding projects has significantly increased.
Which red flag indicates the highest anti-money laundering risk?
- A . Those with the largest number of donors
- B . Projects that get funding within days of their start
- C . Projects with the highest monetary success threshold
- D . Projects that start and close and are fully funded within a very short period