ACAMS CAMS Übungsprüfungen
Zuletzt aktualisiert am 10.09.2025- Prüfungscode: CAMS
- Prüfungsname: Certified Anti-Money Laundering Specialist
- Zertifizierungsanbieter: ACAMS
- Zuletzt aktualisiert am: 10.09.2025
Which transaction should result in a SAR/STR filing?
- A . A small business owner deposits checks totaling $9,950 USD on a daily basis without providing a legitimate purpose.
- B . A small business owner deposits $25,000 USD in cash proceeds with a business equipment bill of sale.
- C . A national food-chain restaurant with multiple cash transactions at various branch locations.
- D . A national food-chain restaurant makes multiple, anticipated cash transactions that are above the daily reporting threshold.
Which type of sanctions are likely to be used first in order to avoid escalating violent conflicts and/or proliferation of weapons?
- A . Asset freeze
- B . Financial prohibitions
- C . Export and import restrictions
- D . Arms and related materials embargo
A client has retained a lawyer to create a financial holding company. The lawyer resides in Europe. The client provides all requested documentation to the lawyer. However, the lawyer becomes suspicious that the customer is engaged in criminal activity and intends to use the financial holding company for money laundering purposes.
Which of the following should an anti-money laundering specialist recommend according to the European Union Money Laundering Directives?
- A . There is no need to file a suspicious transaction report, as this activity is covered by attor-ney-client privilege.
- B . Freeze the client’s assets so that all records can be turned over to the competent authori-ties.
- C . Report the activity as suspicious to the competent authority because the lawyer is covered by these directives.
- D . Consult with the competent authority to receive advice on how to handle the transaction.
A compliance officer at a small community bank has been asked to review existing customer onboarding policies and procedures to ensure they adequately address anti-money laundering risks.
How should customer due diligence be implemented?
- A . With an annual compliance review and approval of customers
- B . With a one-time event conducted at initial customer onboarding
- C . As an ongoing activity that may vary commensurate with the risk profile of the customer
- D . As applicable to customers that pose higher money laundering or terrorist financing risk
A financial institution (FI) is investigating an alert generated by the automated transaction monitoring system. The AML analyst must determine whether the alert should be escalated for further investigation or archived as a false positive.
Which action might be reasonable for the AML analyst to take?
- A . Perform below-the-line testing to ensure the automated monitoring system is operating effectively.
- B . Send a request for information (RFI) to the counterparty bank involved in the transaction that caused the alert.
- C . Request information from the relationship manager assigned to the account that caused the alert.
- D . Restrict the client’s access to the account.
Why do organized crime groups often use front companies? (Choose two).
- A . Because they are not registered, front companies are not subject to income and other sales taxes.
- B . Because using multiple front companies can make it easier to control an entire sector of the economy.
- C . Because they are generally subject to lighter due diligence requirements by banks and other financial services providers.
- D . Because front companies generally charge higher prices than legitimate companies, so profit margins are higher.
- E . Because they can use the company’s bank accounts to comingle deposits with those of legal businesses.
After several months of research, the Director of Marketing and the Managing Director of Business Development received approval to launch a branded, stored-value card that will be marketed to the diverse, primarily non-resident population that comprises the bank’s current customer demographics. The Chief Credit Officer and the Risk Officer have also been involved in the efforts to develop the card. After the card is launched, the anti-money laundering officer is consulted. The anti-money laundering officer should advise the bank that compliance should have been involved
- A . After product development to confer with the legal department.
- B . After product development to perform an assessment of the product.
- C . During product development to develop reports for the Board.
- D . During product development to perform a risk assessment of the product.
What is an example of a legal risk a financial institution (FI) could face if it is sanctioned for failure to report suspected fraud activity?
- A . Foreign correspondents could terminate their relationships with the sanctioned bank.
- B . Clients of the bank might draw down the reserves of the bank and lead to liquidity issues.
- C . The bank could be forced to reimburse the victims of the fraudster for the losses suffered.
- D . The bank could see higher default rates on loans granted to companies owned by the fraudster.
What does the Basel Committee’s Customer Due Diligence for Banks paper suggest that a bank needs to have in place when establishing an account for a corporate business entity?
- A . An understanding of the structure of the company
- B . A policy requiring all identified beneficial owners to undergo a national police check
- C . A process to ensure that the approval of senior management is obtained prior to opening the account
- D . A fee structure that reflects the banks’ costs in monitoring the risks associated with entity’s business activities
A compliance analyst has recently investigated an account where money was deposited in amounts below the reporting limit and almost entirely withdrawn in a foreign country.
Which type of money laundering is the compliance analyst potentially identifying?
- A . Trade-based
- B . Check Kiting
- C . Structuring
- D . Microstructuring