ACAMS CAMS Übungsprüfungen
Zuletzt aktualisiert am 07.05.2025- Prüfungscode: CAMS
- Prüfungsname: Certified Anti-Money Laundering Specialist
- Zertifizierungsanbieter: ACAMS
- Zuletzt aktualisiert am: 07.05.2025
A bank is completing a periodic KYC profile review for a small digital marketing company based in New York City.
Which of the following would be a red flag?
- A . The account activity includes deposit activity into both savings and checking accounts.
- B . The account activity includes incoming funds transfers at irregular intervals from small businesses located in New York.
- C . The account activity includes frequent purchases of tickets to industry conferences and other events.
- D . The account activity includes deposits made in multiple branches around New York City into the same account.
The branch manager notices that a number of customers come in weekly and always use the same teller to process their deposits. The manager notices that the customers and the teller, who are from the same ethnic
group, are speaking in a foreign language and every once in a while the customers from local ethnic restaurants will bring the teller lunch. The commercial customers that visit the teller generally deposit the same amount of cash each time they come in.
How should the branch manager respond to this activity?
- A . Transfer the teller to another branch
- B . Conduct further investigation before taking any other action
- C . Encourage the teller to bring in more business from the ethnic community
- D . Suggest to the teller to send the customers to other tellers to avoid the opportunity for collusion
Which information should be gathered as part of enhanced due diligence (EDD) for a high-risk customer?
- A . Explanations for changes in marital status
- B . Details on individuals with control over the account
- C . Plans for traveling in business trips
- D . Personal references
Which information should be gathered as part of enhanced due diligence (EDD) for a high-risk customer?
- A . Explanations for changes in marital status
- B . Details on individuals with control over the account
- C . Plans for traveling in business trips
- D . Personal references
A money transmitter’s nation-wide agent network remits funds to a country in Africa on behalf of an immigrant community based in the United States. A terrorist group is known to operate openly in this African country. In reviewing transaction records, the compliance officer detects a pattern where two customers together visit the same agent each week and remit the same amount of funds, $2,500, to the same recipient in the country in Africa.
What should alert the compliance officer to possible money laundering or terrorist financing activity by the two customers?
- A . The customers always visit together.
- B . The customers always visit the same agent.
- C . The funds are being sent to the same recipient each week.
- D . The dollar amount of each transaction is just below the record keeping threshold.
What are two requirements for monitoring and reporting suspicious activity for correspondent banking according to the Wolfsberg Principles? (Choose two.)
- A . Incorporate suspicious activity monitoring into periodic reviews
- B . Incorporate due diligence results such as customer risk ratings
- C . Utilize downstream correspondents to investigate and report suspicious activity
- D . Investigate and report suspicious activity only for the correspondent bank’s clients
Which step should be taken to understand the types of financial institutions to whom the services are being offered when a correspondent bank permits “nested” relationships according to the Wolfsberg Group?
- A . Review peer-group clients by risk category
- B . Understand the type and volume of accounts serviced
- C . Evaluate the distribution of downstream correspondents and identify any direct or indirect issues
- D . Obtain independent audits or examination reports for “nested” relationships to determine risk levels
The Basel Committee on Banking Supervision issued a paper in October 2001 in which it presented a Know Your Customer framework and recommended standards applicable to
- A . Offshore banking supervisors.
- B . Financial Intelligence Units.
- C . banks in all countries.
- D . European Financial Institutions.
What was cited by the Wolfsberg Group in its Statement on the Suppression of the Financing of Terrorism as being vulnerable to terrorist financing?
- A . Private banking
- B . Correspondent banking
- C . Alternative remittance
- D . Trade finance
An AML compliance officer receives notice of government update including the names of the latest terrorists sanctioned by the United Nations Security Council.
Which would be the most appropriate step to take?
- A . Notify the Board of Directors
- B . Update the monitoring software containing sanctioned persons
- C . Inform the customers that their funds will be frozen
- D . Update training information to include the latest names