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 is a key characteristic of the Financial Action Task Force (FATF) Regional Style Bodies for combatting money laundering/terrorist financing?
- A . Instructing each member country to place FATF recommendations into law
- B . Implementing regional mutual evaluation procedures
- C . Emphasizing regional co-operation between member countries
- D . Enabling FATF standards to be specific to each region
Which is the most severe consequence for a financial institution if the regulator finds it is in breach of AML regulatory obligations?
- A . Loss of license
- B . Civil sanctions
- C . Monetary fines
- D . Negative reputation
Which of the following best describes the Basel Committee on Banking Supervision’s principles on customer due diligence?
- A . Multilateral agreement between all members.
- B . A recommendation to members and banks.
- C . Generally accepted terms issued by big international banks.
- D . A country’s initiative to increase the reputation of its financial market.
Before providing suspicious activity report documentation to an authorized requestor, the institution should first:
- A . contact a local financial intelligence unit for authorization.
- B . notify outside counsel.
- C . de request a subpoena.
- D . independently verify the requestor.
Why should a financial institution (Fl) require an update of its AML risk assessment?
- A . To identify risk considerations for sharing information based on Fl changes
- B . To ensure an accurate reflection of the Fl’s money laundering and other illicit financial activity risks
- C . To satisfy law enforcement when reporting suspicious activity
- D . To ensure the Fl’s alignment with the board-approved strategic plan
Which three conduits for moving terrorist-related funds do terrorist financing generally favor? Choose 3 answers
- A . Banks and/or other formal financial systems
- B . Informal financial systems
- C . Currency exchange firms
- D . Cash couriers
A company contracts a life insurance policy with a savings feature of 100,000 USD for an individual in a high-risk country. The policy receives monthly cash deposits from unknown third parties. A minimal part of the deposit is invested and the rest is withdrawn by the end of the month.
Which are the circumstances to consider as a risk for money laundering? (Select Two.)
- A . The regular withdrawals from the policy by the end of the month
- B . Unidentified third parties depositing cash to the policy
- C . A company established in a high-risk country contracting a policy for a domestic individual
- D . A policy for an amount of 100,000 USD is to be considered high and suspicious
- E . A life insurance policy with a savings feature for a national from a high-risk country
A bank in the Netherlands has been requested to share information about a series of transactions and related customers with a bank in Italy. Both banks are subject to European Union jurisdiction.
Which factor is most important to consider before the Dutch bank shares the requested information with the Italian bank?
- A . The Dutch bank’s legal obligations to protect customer privacy and bank secrecy prohibit it from sharing any such information.
- B . The Dutch bank should require a production order from the Italian bank and receive approval from its legal department before sharing the requested information.
- C . The need to fight financial crime outweighs the EU’s data protection and privacy regulations.
- D . The Dutch bank should limit any information sharing to what is necessary, reasonable, and proportionate, in line with applicable laws and regulations.
A bank in the Netherlands has been requested to share information about a series of transactions and related customers with a bank in Italy. Both banks are subject to European Union jurisdiction.
Which factor is most important to consider before the Dutch bank shares the requested information with the Italian bank?
- A . The Dutch bank’s legal obligations to protect customer privacy and bank secrecy prohibit it from sharing any such information.
- B . The Dutch bank should require a production order from the Italian bank and receive approval from its legal department before sharing the requested information.
- C . The need to fight financial crime outweighs the EU’s data protection and privacy regulations.
- D . The Dutch bank should limit any information sharing to what is necessary, reasonable, and proportionate, in line with applicable laws and regulations.
A foreign bank’s compliance officer receives a request for information from a US bank, alerting the foreign bank to the possibility that it may have transferred funds on behalf of an Office of Foreign Assets Control (OFAC>-sanctioned person, who holds an account with the foreign bank.
Which statements are true with respect to said funds and the information in relation to the transaction under scrutiny? (Select Two.)
- A . If the funds are seized, then the foreign bank would be within its rights to dispute such seizure.
- B . US authorities have no power (in terms of the USA PATRIOT Act) to sanction the foreign bank for transferring funds on behalf of an OFAC-sanctioned entity.
- C . The USA PATRIOT Act authorizes the Secretary of the Treasury or the Attorney General to subpoena records from the foreign bank that maintains a correspondent account with a US bank,
- D . If a US citizen were part of the foreign bank’s Board deliberations where a decision was made to onboard the OFAC-sanctioned entity as a client, then they can be confronted with criminal charges.
- E . US authorities are only permitted to seize the funds transferred by the foreign bank under OFAC sanctions if there is an equivalent sanctions regime of the UN which has been contravened.