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
Which factor should a bank consider before sharing information about a customer with its broker-dealer affiliate in the case of an investigation?
- A . Whether the broker-dealer affiliate can rely on the due diligence done by the bank
- B . Whether there is a mutual legal assistance treaty in place between the two institutions
- C . Whether privacy and data protection rules permit the bank to share the information with the affiliate
- D . Whether both institutions have an account or are in the process of opening an account for the customer
A compliance officer for a casino may suspect money laundering if an individual:
- A . invokes reporting requirements through a lump sum payment.
- B . refers to casino associates by their first name.
- C . purchases a low volume of chips with cash and turns them in for a casino check.
- D . requests to have winnings transferred to a bank account of a third party.
A compliance officer for a casino may suspect money laundering if an individual:
- A . invokes reporting requirements through a lump sum payment.
- B . refers to casino associates by their first name.
- C . purchases a low volume of chips with cash and turns them in for a casino check.
- D . requests to have winnings transferred to a bank account of a third party.
A high-volume dealer of precious metals and stones in a high-risk jurisdiction is approached by a new customer interested in selling gold worth $200,000. The customer was referred by a longtime family friend of the dealer and provides no indication of background or business purpose for the sale. The dealer agrees to make the purchase based solely on the reference.
What is the money laundering red flag?
- A . The customer was referred by a longtime friend of the dealer
- B . The precious metals dealer is operating in a high-risk jurisdiction
- C . A new customer is selling gold worth $200,000 to a high volume dealer
- D . The customer provides no background information or business purpose for the transaction
One key aspect of the Office of Foreign Assets Control’s extraterritorial reach includes the blocking of certain non-United States initiated transactions for or through the United States (U.S.) for benefit of a restricted person or entity.
Under which three circumstances are U.S. banks required to block transactions? (Choose three.)
- A . The transactions are to, or go through, a blocked entity
- B . Those that are by, or on behalf of, a blocked individual or entity
- C . Those that are by or on behalf of a blocked individual and a licensed entity
- D . Those that are in connection with a transaction in which a blocked individual or entity has an interest
- E . Those that are in connection with a transaction in which a blocked individual or entity has no interest
An AML analyst at a bank is investigating cases triggered by transaction monitoring alerts.
Which circumstances might cause the analyst to suspect a case involves terrorist financing? (Select Two.)
- A . Transactions involving non-profit organizations with no internet presence.
- B . Small-dollar payments sent to crowdfunding initiatives with detailed descriptions of the project being financed.
- C . Small-dollar payments sent to higher-risk jurisdictions with no prior history.
- D . Transactions involving domestic non-profit organizations providing charitable aid to refugees from higher-risk countries.
- E . Transactions involving structured currency deposits below the reporting threshold to avoid paying taxes.
Which of the following competent authorities should directly receive suspicious or unusual transaction reports?
- A . law enforcement
- B . an independent judge
- C . financial intelligence unit
- D . central bank
Financial Action Task Force (FATF)-style regional bodies are created and obliged to understand the inherent money laundering and terrorist financing risks in the region of the world they serve.
What is one of the methods they use to understand these risks?
- A . They require member countries to develop statistical metrics over money laundering and terrorist Financing crimes
- B . They require participating financial institutions of their members to file suspicious transaction reports to the regional body
- C . They conduct global research on money laundering and terrorist financing trends and report their findings in their own typologies report
- D . They conduct regional-level research and analysis of the money laundering and terrorist financing methods and trends using standards and templates used for FATF typologies reports
A bank is preparing for a regulatory exam after a previous regulatory exam identified weaknesses in its AML program.
Since the last exam, the bank has:
Improved its written AML program
Hired an experienced AML compliance officer
Demonstrated a stronger culture of compliance
Focused on clearing its transaction monitoring case backlog and enhancing its sanctions screening program
Which of the following are correct? (Select Two.)
- A . The bank is likely to face secondary sanctions from global financial institutions despite addressing many of the previous concerns.
- B . The bank is protected from reputational risk arising from any regulatory action because regulatory orders must remain confidential.
- C . The bank may face the risk of regulatory orders to remediate its AML program despite addressing many of the previous concerns.
- D . The bank may face civil or criminal penalties if it is unable to demonstrate sustained improvement in addressing the previous concerns.
- E . The regulatory agency may require the bank’s board of directors to publicly share the actions taken to address the previous concerns in order to limit its reputational risk.
Which is true about Financial Action Task Force (FATF)-Style Regional Bodies (FSRBs)?
- A . FSRBs set standards for their member countries that supplement FATF’s standards.
- B . Tools used by FRSBs include training measures and mutual evaluations of its members.
- C . AFATF-member country cannot also be a member of an FSRB.
- D . To be a member of an FSRB, a country must have enacted AML and Anti-Terrorist Financing laws.