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
Which action does the Financial Action Task Force call on member countries to take in the most serious cases when countries have significant strategic AML deficiencies?
- A . Contribute to mutual evaluations
- B . Apply countermeasures
- C . Eliminate all financial dealings
- D . Report high-risk transactions
The training department is conducting awareness training for unusual customer identification scenarios.
Which two indicators should be included? (Select Two.)
- A . The customer opens the account in the name of a family member who begins making large deposits.
- B . The customer’s name and home address cannot be verified
- C . The customer’s internet protocol address does not match the identifying information provided during online registration.
- D . The customer requests payment of proceeds to an unrelated third party.
- E . The customer frequently exchanges small bills for large bills.
Under which two circumstances may law enforcement be given access to a financial institution customer’s financial records? (Choose two.)
- A . If the person is named in a suspicious transaction report
- B . If law enforcement serves a legal summons or subpoena
- C . If the investigation of a customer is made public in the media
- D . If law enforcement has circumstantial evidence to suspect money laundering
Which two statements are true regarding the European Union Money Laundering Directives? (Choose two.)
- A . They apply to member states of the European Union
- B . They require member states to enact laws and/or regulations to comply with the directives
- C . They set forth non-binding best practices for financial institutions within the member states
- D . They have extraterritorial impact and apply to states that have diplomatic relations with member states
In order to protect investigative materials from disclosure when conducting an internal Investigation of any employee of a financial institution, legal counsel of that financial should________?
- A . Request formal company authorization to conduct the investigation. Such authorization should be granted, if possible, by the board of directors or audit committee
- B . Refuse to provide any records or documents to law enforcement because the bank has client privilege with its bank customers
- C . Let the bank hire any and all contract investigators to conduct the internal investigation. That way Legal is not a party to the action and may remain independent
- D . Not mark files or documents with privileged and Confidential: Attorney-Client Privilege and/or Work-Product. Those marks will only encourage law enforcement
An anti-money laundering specialist notes a significant reduction in suspicious transaction report filings at a particular branch.
Which of the following actions is most appropriate?
- A . Place the branch on the watchlist to assure a review during the next quarter.
- B . Analyze the branch activity reports to determine whether there has been a decrease in branch activity.
- C . Review branch exception reports to determine changes in activity in accordance with customer profiles.
- D . Review staff records to see whether inexperienced personnel are in critical positions without appropriate training.
Which statement is the most accurate in describing who must comply with Office of Foreign Assets Control (OFAC) sanctions?
- A . All U.S. citizens and permanent residents regardless of where they are located, all U.S.-incorporated entities and their foreign branches, and all individuals and entities within the United States.
- B . All U.S. citizens and permanent residents regardless of where they are located, all U.S.-incorporated entities excluding their foreign branches, and all individuals and entities within the United States.
- C . All U.S. citizens except those with dual nationality, U.S. permanent residents, all U.S.-incorporated entities, and all individuals within the United States.
- D . All U.S. citizens and permanent residents while located in the U.S., all U.S.-incorporated entities and their foreign branches, and all individuals within the United States.
What does the Egmont Group’s support for its members include?
- A . Issuing due diligence models for financial institutions
- B . Expanding and systematizing international cooperation in the reciprocal exchange of information
- C . Issuing strategic products for law enforcement agencies and FIUs on topics of international interest
- D . Expanding the ability of FIUs to enforce laws and exchange information globally to combat money laundering and terrorist financing
Who has the ultimate responsibility within a bank for ensuring that the bank has a comprehensive and effective Bank Secrecy Act / anti-money laundering (BSA/AML) program and oversight framework that is reasonably designed to ensure compliance with applicable regulations?
- A . Senior management
- B . Board of directors
- C . Business line managers
- D . BSA/AML compliance officer
How should a financial institution respond to a verbal request from a law enforcement agency to keep an account open to assist in an investigation?
- A . Agree to keep the account open
- B . Request a subpoena to maintain the account
- C . Request a letter on the agency’s letterhead
- D . Request a search warrant from the local court