ACAMS EXAM NEWEST 2025 ACTUAL EXAM

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ACAMS EXAM NEWEST 2025 ACTUAL EXAM |

COMPLETE 150 REAL EXAM QUESTIONS AND

CORRECT DETAILED ANSWERS (VERIFIED

ANSWERS) ALREADY GRADED A+| ACAMS EXAM

REVIEW 2025 (BRAND NEW!!)

According to the EU Directives, an independent legal professional is obligated to report suspicion of money laundering in a client relationship when

• representing a client in a legal matter.
• ascertaining the legal position for a client.
• participating in financial or corporate transactions.
• obtaining information associated with a judicial proceeding. - Correct

Answer - C. participating in financial or corporate transactions.

Which of the following is the most difficult regulatory challenge facing a foreign financial institution with a correspondent banking relationship in the U.S.?

• USA PATRIOT Act
• Basel Due Diligence Principles for Banks
• FATF Guidance on Terrorist Financing
• UN Security Council Resolution on Correspondent Banking - Correct

Answer - A. USA PATRIOT Act

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pg. 2 Which were the Basel Committee's two main motivations to encourage strong know your customer programs in its paper Customer Due Diligence for Banks? (Choose two)

• Mirror FATF's KYC recommendations.
• Meet European Union guidelines.
• Protect the safety and soundness of banks.
• Protect the integrity of banking systems. - Correct Answer - C.

Protect the safety and soundness of banks.

• Protect the integrity of banking systems.

What is the definition of a predicate offense?

• Lawful or unlawful activity that involves willful blindness, and if

there is an international element to the crime, can lead to a suspicious activity report

• Unlawful activity whose proceeds, if involved in the transaction, can

give rise to prosecution for the crime of money laundering

• An interface that is the underlying segment of a suspicious transaction

monitoring system

• A specified unlawful activity that is committed through concentration

accounts deceiving customers that are not directly related to the account

• Correct Answer - B. Unlawful activity whose proceeds, if involved in

the transaction, can give rise to prosecution for the crime of money laundering

What is considered a beneficial owner of an account?

• A person or entity who has direct signatory authority over an account

and whose name appears on the account 2 / 4

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• A person or entity who is ultimately entitled to the funds in the

account, even though his or her name may not appear on the account

• A person or entity who is the originator and the destination of most

(but not all) transactions conducted within the account but who does not ultimately control such funds

• A person or entity who is a gatekeeper, has the legal title to the

account and typically transfers the funds to a trust - Correct Answer - B.A person or entity who is ultimately entitled to the funds in the account, even though his or her name may not appear on the account

The Egmont Training Group published FIUs in Action: 100 Sanitized

Cases. Which two of the items noted below were listed in the report as part of the six most frequent indicators of money laundering?

• Defensive stance to questioning
• Use of precious stones for moving value
• Unrealistic wealth compared to client profile
• Significant use of prepaid cards - Correct Answer - A. Defensive

stance to questioning

• Unrealistic wealth compared to client profile

In which stage of money laundering would you classify depositing small amounts of cash into several related accounts?

• Integration
• Structuring
• Placement
• Construction - Correct Answer - C. Placement 3 / 4

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pg. 4 In which stage of money laundering would you classify the use of laundered funds to purchase highvalue assets and luxury items?

• Integration
• Structuring
• Placement
• Construction - Correct Answer - A. Integration

In most money laundering international standards, it is stated that

• financial institutions are not responsible for money launterm-

48dering or suspicious transactions taking place within their accounts until the government places the customer on a watch list.

• informing customers that their accounts and/or transactions are the

subject of an AML investigation is not punishable.

• the dirty money undergoing money laundering will not be confiscated

because of privacy laws.

• the institution should identify the beneficial owner(s) of the account. -

Correct Answer - D. the institution should identify the beneficial owner(s) of the account.

The tactic in which individuals make multiple deposits in small quantities to avoid detection is called

• paralleling.
• integration.
• investing.
• structuring. - Correct Answer - D. structuring.
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