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
Separating illicit proceeds from their source by a series of complex financial Transactions designed to disguise the audit trail and provide anonymity is an example of what?
- A . placement
- B . structuring
- C . layering
- D . integration
Which product is considered to be of highest money laundering risk?
- A . Credit cards
- B . Savings accounts
- C . Time deposit accounts
- D . International wire transfers
What are two requirements of United States financial institutions when conducting business with an international institution as a result of the USA PATRIOT Act? (Choose two.)
- A . Performing enhanced due diligence on shell banks
- B . Performing due diligence on correspondent accounts
- C . Visiting the head office of the international financial institution
- D . Complying with Special Measures issued under the USA PATRIOT Act
Which scenario indicates potential money laundering activity by a lawyer?
- A . A lawyer’s trust account regularly receives wire transfers from unknown remitters from a higher-risk country and immediately transfers the same amount of funds received to a known beneficiary’s account in a low-risk country.
- B . A lawyer located in a higher-risk country deposits their firm’s bank draft issued from their trust account to another lawyer’s trust account located in a low-risk country for legal services rendered.
- C . A lawyer’s trust account receives a large-value wire transfer from a regulated insurance company and immediately transfers the same amount of funds received to the beneficiary’s bank account located in a low-risk country.
- D . A lawyer’s trust account receives a large wire transfer deposit from a client that wanted to purchase a piece of property and then transfers the same amount to the property seller’s lawyer’s trust account.
Financial Intelligence Units (FIUs) are responsible for:
- A . the timely dissemination of cases to law enforcement agencies.
- B . responding to requests from law enforcement agencies for information contained in regulatory reports.
- C . sharing evidence with other FIUs.
- D . receiving confirmed reports about committed crimes from accountable and reporting institutions.
Financial Intelligence Units (FIUs) are responsible for:
- A . the timely dissemination of cases to law enforcement agencies.
- B . responding to requests from law enforcement agencies for information contained in regulatory reports.
- C . sharing evidence with other FIUs.
- D . receiving confirmed reports about committed crimes from accountable and reporting institutions.
Which are social/economic consequences of money laundering? (Choose two.)
- A . Civil war
- B . Weakening financial institutions
- C . Increase in corruption and organized crime
- D . Increase in tax revenue
- E . Weakening of the country’s infrastructure
Which is the main objective when a financial institution (FI) conducts an investigation?
- A . Keep policies and procedures updated
- B . Keep all the documentation
- C . Know the customer
- D . Track the movement of the money
Which statement regarding data privacy in AML investigations is the most accurate?
- A . Financial Intelligence Units (FIUs) should document purposes for which personal data included on Suspicious Activity Reports (SARs) may be shared with other agencies.
- B . Any customer that is the subject of a suspicious report filing has the right to request redaction of their personal data.
- C . Data privacy laws prohibit information sharing between financial institutions for the purposes of AML investigations in all jurisdictions.
- D . Organizations are required to demonstrate that customers have opted into information sharing before submitting SARs to relevant Financial Intelligence Units (FIUs).
An employee in a corporation’s finance department hears news of an internal investigation into potential fraud within the company, quits their job, and disappears.
If they had been observed before their resignation, which characteristics of the employee would have been considered red flags? (Select Two.)
- A . The employee was constantly evasive about the reasons for leaving their previous corporate finance job.
- B . The employee was originally from a high-risk jurisdiction.
- C . The employee had friends in high-risk industries.
- D . The employee had a lavish lifestyle for their income.