ACAMS CAMS Übungsprüfungen
Zuletzt aktualisiert am 27.04.2025- Prüfungscode: CAMS
- Prüfungsname: Certified Anti-Money Laundering Specialist
- Zertifizierungsanbieter: ACAMS
- Zuletzt aktualisiert am: 27.04.2025
A compliance officer at an insurance company has been reviewing the transaction activity of several clients.
Which transaction is considered a red flag for potential money laundering?
- A . A client paid the quarterly life insurance premium using money orders from two different banks.
- B . A client from a high-risk jurisdiction recently purchased property insurance for a real-estate development.
- C . A corporation owns several affiliates and recently opened separate group life insurance policies for each of the affiliates.
- D . A client established a $100,000 charitable annuity with a non-profit organization that provides health and safety assistance internationally.
A compliance officer at an insurance company has been reviewing the transaction activity of several clients.
Which transaction is considered a red flag for potential money laundering?
- A . A client paid the quarterly life insurance premium using money orders from two different banks.
- B . A client from a high-risk jurisdiction recently purchased property insurance for a real-estate development.
- C . A corporation owns several affiliates and recently opened separate group life insurance policies for each of the affiliates.
- D . A client established a $100,000 charitable annuity with a non-profit organization that provides health and safety assistance internationally.
What is a key objective of the Egmont Group?
- A . To find ways to promote the development of Financial Intelligence Units and the sharing of expertise.
- B . To safeguard the financial system from illicit use and combat money laundering and promote national security.
- C . To issue binding standards that establish consistently operated Financial Intelligence Units in member jurisdictions.
- D . To provide best practices for financial institutions on how to report suspicious activity to best share the information with law enforcement.
A professional dealer in precious metals and stones in an EU country plans to implement measures to reduce the risk of being misused for money laundering purposes.
Which measures are most relevant for achieving this goal? (Select Two.)
- A . Only accept trades related to precious metal pool accounts maintained by sophisticated precious metal companies.
- B . Stop accepting payments from persons other than the beneficiary.
- C . Limit direct contact between customer and employees.
- D . Limit the acceptance of purchases without adequate customer identification information.
- E . Stop accepting cash payments in currencies other than Euro.
Which section of the USA PATRIOT Act permits the U.S. government to seize funds deposited in a U.S. correspondent account of a foreign bank, creating extraterritorial impact?
- A . Section 319(b)
- B . Section 314(b)
- C . Section 314(a)
- D . Section 319(a)
Release of the EU’s Fourth AML Directive resulted in what change to member state*s procedures? (Select Two.)
- A . The threshold for reporting suspicious transactions decreased from 15,000 EUR to 10,000 EUR.
- B . All financial institutions were required to identify and verify the beneficial owner of legal entities.
- C . Money laundering and terrorist financing were defined as separate crimes, expanding the directive’s measures.
- D . The scope of obliged entities was enlarged from casinos to all providers of gambling services.
- E . Knowledge of criminal conduct could be inferred from objective factual circumstances.
Who meets the standard to perform the AML audit? (Select Two.)
- A . An internal auditor with a family member employed in the AML department
- B . An internal auditor with the requisite knowledge and expertise of AML
- C . A consultant previously employed in the AML department within the past 2 years
- D . Qualified bank staff if not involved in the AML function being tested
- E . A consultant with limited knowledge and experience in AML but many years of internal audit experience
Which scenario should be escalated as potentially suspicious activity?
- A . A retail chain deposits cash into several operating accounts and consolidates the funds into one account.
- B . A domestic business account receives a wire transfer from an international business with no history of such activity or business needs.
- C . A convenience store makes daily deposits or withdrawals primarily in cash.
- D . A corporate account deposits large checks and wire transfers on a frequent basis from existing customers.
Which is an emerging risk associated with cyber-enabled fraud?
- A . Multiple people colluding to place funds in the financial market
- B . Receipt of joint account wire transfers
- C . Mismatch between account names and government-issued documentation
- D . Frequent transactions in round or whole dollars
A bank has maintained an account for a European charity for several years. The charity provides clothing to persons in need in various countries with active terrorists’ cells.
Which action by the charity indicates possible terrorist financing?
- A . The charity frequently withdraws cash from the bank
- B . The charity has branch locations located in various countries
- C . The charity receives cash donations primarily from European countries
- D . The charity maintains a bank account for non-business-related expenses