Free Access ACAMS.CAMS.v2025-01-18.q542 Practice Test (Page 46)

Question 221

After an institution files an STR with regard to a particular account, a law enforcement agent requests the institution to keep the account open until advised otherwise by law enforcement.
What steps should the institution take?

A.The institution should close the account in order not to be caught in the middle of a law enforcement investigation

B.The institution should follow the request of the law enforcement agent and keep the account open

C.The institution should request a written letter from the law enforcement (agency signed by an appropriate authorized signature)

D.The institution should keep the account open only if doing so comports with the bank's own AML procedures

Question 222

Which statement about a multinational institution's ability to fully investigate unusual activity in all its foreign operations is correct?

A.The institution should consult with the customer and request permission to conduct a full investigation into all the accounts.

B.Local privacy and data protection laws may prevent an affiliate from sharing information.

C.Enterprise-wide compliance oversight rules issued in the global institution's headquarters country will override any local limitations in other countries.

D.Certain account documents may be stored only in local language which will prohibit a global assessment.

Question 223

When requested by law enforcement via legal process to provide records or documentation, what should the officers of financial institution do?

A.Provide all records and documents the officer believes would be pertinent to the law enforcement agent's investigation

B.Refuse to provide any records or documents until the agent narrows the scope of the request down to what he or she actually needs

C.Not act on the legal process until the bank officer has contact w4h the agent and learns what the agent is investigating

D.if there is no basis for contesting the request, provide what is requested

Question 224

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.

Question 225

Which key factor would result in the decision for a financial institution (FI) to exit a client relationship?

A.After assessing all risk factors the level of residual client risk exceeds the FI's risk appetite.

B.Closing the client accounts will help reduce the number of transaction monitoring alerts.

C.Client transactions generate ongoing transaction monitoring alerts that did not result in any SAR/STR filings.

D.The client is a registered charity known to remit funds to high risk geographies where there is limited due diligence information available.

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Question 222

Question 223

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Question 225

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