ACAMS · CAMS

ACAMS CAMS Exam Practice Questions

637 questionsInstant PDF downloadUpdated September 2026

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Three of the 637 questions in this pack

Question 1

A bank account is established for a new business customer. The business was established five years ago with an address in another state. The business website contains few details other than stating it is a real estate business.

One principal has an international telephone number and appears to be living in another country. The other principal works out of a recreational vehicle.

What warrants enhanced due diligence in this scenario?

Shell company
Human trafficker
Politically exposed person
Money laundering through real estate

Show answer and explanation

Correct answer: A. Shell company

A shell company presents multiple risk indicators in this scenario: the business was established five years ago but has minimal web presence beyond claiming to be real estate, one principal operates internationally from abroad, the other works from a recreational vehicle (no fixed business address), and the vague business description combined with unstable principals are classic shell company characteristics. These factors collectively suggest the entity may lack legitimate operational substance and exist primarily to facilitate financial transactions, warranting enhanced due diligence for potential money laundering or other illicit activities.

Why the other options are wrong

B. Human trafficking indicators would involve movement of people and exploitation rather than the business structure and operational concerns presented.
C. A politically exposed person designation requires a government official role, which is not indicated for either principal in this scenario.
D. While real estate can be used for money laundering, the specific red flags here, shell company characteristics, minimal business details, and unstable principals, point more directly to shell company status rather than established real estate laundering activity.

Question 2

A branch manager for a small community bank has a new customer who deposits four EUR 50,000 checks into one account. Shortly thereafter, the customer goes to another branch and asks to transfer all but EUR 1,500 to three accounts in different foreign jurisdictions.

Which suspicious activity should be the focus of the suspicious transaction report?

The customer opened the account with four large checks
The customer goes to a different branch to make this transaction
The customer transfers almost all of the funds out of the account
The customer asks to transfer funds to accounts in three different foreign jurisdictions

Show answer and explanation

Correct answer: D. The customer asks to transfer funds to accounts in three different foreign jurisdictions

three different foreign jurisdictions Moving the money onward to accounts in three different foreign jurisdictions is the activity the report should highlight. Sending nearly the entire balance abroad through several routes immediately after the checks were deposited is classic layering, intended to break the audit trail and place the funds beyond the reach of the home jurisdiction. That cross-border dispersal, done at another branch by a brand new customer, is the element that most clearly signals illicit intent and gives investigators the leads they need.

Why the other options are wrong

A. Large checks as account opening deposits are common in legitimate business and are not inherently suspicious without additional context.
B. Using a different branch is normal customer behavior and on its own does not indicate suspicious activity.
C. Emptying the account is part of the picture, but the report should focus on where the money was sent, the multiple foreign destinations.

Question 3

A government has instituted new anti-money laundering laws which require all financial institutions to obtain certain information from its customers.

Which step should an institution located in this jurisdiction take to ensure compliance?

Change procedures to require that the necessary information is obtained
Change procedures and systems as necessary and provide employee training
Send a notice to customers asking them to provide the necessary information
Change systems to ensure the required information is automatically obtained from all customers

Show answer and explanation

Correct answer: B. Change procedures and systems as necessary and provide employee training

provide employee training Ensuring compliance with new anti-money laundering laws requires a comprehensive approach that includes changing procedures to collect required information, updating systems to accommodate new requirements, and training employees on the new procedures. This three-pronged implementation ensures the institution can operationally meet the new legal requirements, staff understand their roles, and systems are capable of supporting compliance. Procedures and training alone are insufficient without system changes, and system changes alone fail without staff understanding.

Why the other options are wrong

A. Changing procedures alone does not address the need for system updates and employee training required for full compliance.
C. Asking existing customers to voluntarily provide information is passive and unreliable; institutions must actively obtain required information through updated procedures and systems.
D. Automatic information collection from all customers is impractical and does not account for the need to establish procedures and ensure staff training on how to implement and maintain compliance.

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637 practice questions for ACAMS Certified Anti-Money Laundering Specialist (CAMS), with full explanations.

Every question comes with the correct answer, the reasoning behind it, and a note on why each wrong option is wrong. Work through it once with the answers, then again with the questions-only copy under exam conditions.

637 questions across all four CAMS domains
Answers and explanations for every question, including the wrong options
A questions-only PDF for timed practice runs
Instant delivery by email the moment you check out
Free monthly updates for as long as the exam is live
Pass or your money back

A failed CAMS attempt means another US$299 retake fee, on top of weeks of restudying. This pack is US$39, paid once, and refunded if you fail.

Try 10 questions free before you buy.

Last updated September 2026 · 637 questions

What makes the CAMS hard

CAMS rewards judgement over memorisation. Knowing what a Suspicious Activity Report is is not enough: you need to know when to file one, who reviews it, and what happens if you get it wrong.

The questions that decide it cluster around a few themes: the risk-based approach and how to apply customer due diligence versus enhanced due diligence, the roles of FATF and the major regulatory bodies, red-flag typologies across correspondent banking, trade finance and money services businesses, and the mechanics of a compliance programme (the four pillars, sanctions screening and independent testing). Scenario questions put you in the compliance officer’s seat and ask what the correct next action is.

About the exam

The Certified Anti-Money Laundering Specialist (CAMS) is ACAMS’ flagship credential and the most widely recognised AML certification worldwide. It validates the knowledge to detect, prevent and report money laundering and to build and maintain an effective compliance programme.

Exam domains

Risks and methods of money laundering and terrorist financing
Compliance standards for AML and CFT
AML compliance programs
Conducting and supporting investigations

120 multiple-choice questions, 3.5 hours, ACAMS membership required to sit the exam. Recertification every three years through continuing education credits. ACAMS sells CAMS as a package at US$2,095 (private sector) or US$1,595 (public sector), bundling study materials with the exam; a retake is US$299.

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Questions before you buy

What do I get when I buy the ACAMS CAMS pack?

637 practice questions as a PDF, each with the correct answer, a full explanation and a note on why the other options are wrong, plus a separate questions-only PDF for timed practice.

How quickly do I receive it?

Straight away. The full PDF and a questions-only copy are emailed to you the moment your payment goes through, and the same links are on your order page.

Is there a free sample?

Yes. Ten questions from this pack, with answers and explanations, are free on this page and as a PDF, so you can judge the quality before you pay.

Are updates included?

Yes. The pack is updated every month for as long as the exam is live, and updates are free for everyone who has bought it.

What if I fail the exam?

We refund the pack. Sit the exam 7 to 30 days after buying, then send your official score report within 7 days of the exam date, as set out in the refund policy.

Can I share it with colleagues?

Each purchase is licensed to one person. For a team, school or training organisation, email support@certstash.com for a licence that fits.