ACAMS Practice Test
Updated for October 2026The ACAMS certification test is the global gold standard for AML compliance professionals, validating your expertise in financial crime prevention. Compliance professionals may also find our PHR practice test helpful.
ACAMS Practice Test Questions
Prepare for the ACAMS - Association of Certified Anti-Money Laundering Specialists exam with our free practice test modules. Each quiz covers key topics to help you pass on your first try.
ACAMS AML/CFT Risk and Methods
ACAMS Exam Questions covering AML/CFT Risk and Methods. Master ACAMS Test concepts for certification prep.
ACAMS AML/CFT Risk Assessment
Free ACAMS Practice Test featuring AML/CFT Risk Assessment. Improve your ACAMS Exam score with mock test prep.
ACAMS AML in Correspondent Banking
ACAMS Mock Exam on AML in Correspondent Banking. ACAMS Study Guide questions to pass on your first try.
ACAMS - Association of Certified Anti-Mone...
ACAMS Test Prep for - Association of Certified Anti-Money Laundering Specialists AML/CFT Risk and Methods. Practice ACAMS Quiz questions and boost your score.
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Free ACAMS Quiz on - Association of Certified Anti-Money Laundering Specialists Conducting Investigations. ACAMS Exam prep questions with detailed explanations.
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ACAMS Test Prep for Beneficial Ownership and Politically Exposed Persons (PEPs). Practice ACAMS Quiz questions and boost your score.
ACAMS Conducting Investigations
ACAMS Questions and Answers on Conducting Investigations. Free ACAMS practice for exam readiness.
ACAMS Customer Due Diligence (CDD)
ACAMS Mock Test covering Customer Due Diligence (CDD). Online ACAMS Test practice with instant feedback.
ACAMS Elements of an AML Program
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ACAMS General Practice
ACAMS Practice Questions for General Practice. Build confidence for your ACAMS certification exam.
ACAMS Global Sanctions Compliance
ACAMS Test Online for Global Sanctions Compliance. Free practice with instant results and feedback.
ACAMS International AML/CFT Standards
ACAMS Study Material on International AML/CFT Standards. Prepare effectively with real exam-style questions.
ACAMS Suspicious Activity Investigation
ACAMS Exam Questions covering Suspicious Activity Investigation. Master ACAMS Test concepts for certification prep.
ACAMS Terrorist Financing Methods
Free ACAMS Practice Test featuring Terrorist Financing Methods. Improve your ACAMS Exam score with mock test prep.
ACAMS Flashcards
Quick review for key CAMS concepts
💸What is Placement?
Placement is the first stage of money laundering where illicit cash enters the financial system.
START ACAMS PRACTICE TEST🔍What is Structuring?
Structuring involves breaking large transactions into smaller amounts to avoid reporting thresholds.
GET ACAMS EXAM PREP📜What is the USA PATRIOT Act?
A U.S. law strengthening measures to prevent, detect, and prosecute international money laundering and financing of terrorism.
REVIEW ACAMS QUESTIONS🌍What is FATF?
The Financial Action Task Force is an intergovernmental body that sets standards for combating money laundering.
TRY ACAMS MOCK EXAM🏦What is CDD?
Customer Due Diligence involves verifying the identity of a customer and assessing the risks associated with doing business with them.
ACCESS ACAMS STUDY GUIDE🚩What are Red Flags?
Warning signs that indicate potential money laundering activity, such as inconsistent transaction patterns.
PRACTICE ACAMS TEST NOWACAMS Exam Study Guide
Prepare effectively with our detailed ACAMS test prep guide. Understanding the core components of the CAMS exam is essential for navigating the ACAMS test difficulty.
ACAMS Score Calculator
Total Scored Questions
150
105 out of 150 correct
70%
Required to Pass: ~70% (Estimated)
For a private sector professional, the total initial investment is approximately $2,040 (Membership + Exam Package). This investment often pays off within the first year through salary increases.
ACAMS Career Opportunities
CAMS certification opens doors to various high-demand roles in financial crime prevention.
AML Analyst
Monitor transactions for suspicious activity and file SARs. Essential entry-level role in banks.
Compliance Officer
Ensure the organization adheres to all regulatory requirements and internal AML policies.
Forensic Accountant
Investigate complex financial discrepancies and potential fraud schemes within organizations.
Regulatory Officer
Work with government bodies to enforce banking laws and audit financial institutions.
Risk Manager
Identify and mitigate financial crime risks associated with new products or clients.
ACAMS Test Day Checklist
- ✓Two forms of valid ID (Government issued)
- ✓Confirmation email from Pearson VUE
- ✓ACAMS Membership ID number
- ✓Arrive 30 minutes early
- ✓Leave personal items in locker
- ✓Review exam tutorial
- ✓Read NDA agreement
- ✓Relax and pace yourself
Ready to Pass Your ACAMS Exam?
Join thousands of certified professionals who used our free ACAMS practice test resources. Start practicing now and achieve your CAMS designation.
ACAMS Renewal Requirements
Credits
60 CAMS
Cycle
3 Years
Fee
$200
Attending ACAMS webinars and chapter events is the easiest way to earn the required 60 continuing education credits for recertification.
ACAMS: Pros and Cons
- +ACAMS exam preparation strengthens your knowledge across all domains
- +Passing the exam proves competency to employers and clients
- +Study materials and practice tests are widely available
- +Exam-based credentials are portable across states and employers
- +Clear exam objectives help focus your study plan effectively
- −Exam anxiety can affect performance — practice tests help reduce it
- −Registration fees are non-refundable if you miss your test date
- −Limited retake opportunities may apply with waiting periods
- −Exam content updates periodically — use current study materials
- −Testing center availability may require advance scheduling
Pros and Cons at a Glance
| Pros | Cons |
|---|---|
| ACAMS exam preparation strengthens your knowledge across all domains | Exam anxiety can affect performance — practice tests help reduce it |
| Passing the exam proves competency to employers and clients | Registration fees are non-refundable if you miss your test date |
| Study materials and practice tests are widely available | Limited retake opportunities may apply with waiting periods |
| Exam-based credentials are portable across states and employers | Exam content updates periodically — use current study materials |
| Clear exam objectives help focus your study plan effectively | Testing center availability may require advance scheduling |
Sample Association of Certified Anti-Money Laundering Specialists Practice Questions
Try these questions from our free Association of Certified Anti-Money Laundering Specialists practice tests. The correct answer and an explanation follow each question.
Which of the following represents the financial stage of money laundering?
- A. placement
- B. structuring
Answer: A. placement
Placement is the first financial stage of money laundering, where illegally obtained cash is introduced into the legitimate financial system. This often involves breaking up large sums of cash into smaller, less conspicuous amounts and depositing them into bank accounts or converting them into monetary instruments. Structuring is a technique used during the placement stage to avoid reporting thresholds.
A financial institution receives a grand jury subpoena for the financial records of one of its customers. What is the most critical action the institution must take upon receipt?
- A. Immediately notify the customer that law enforcement has requested their records.
- B. Conduct an internal investigation and file a SAR on the customer before responding.
- C. Comply with the subpoena's request for information while maintaining strict confidentiality about its existence.
- D. Freeze all transactions on the account until the subpoena has been fulfilled.
Answer: C. Comply with the subpoena's request for information while maintaining strict confidentiality about its existence.
A grand jury subpoena is a formal legal order that must be complied with. A critical aspect of such subpoenas is the requirement for secrecy to avoid compromising the investigation. Notifying the customer could be considered obstruction of justice. While the receipt of a subpoena should prompt a review of the customer's activity to determine if a SAR is warranted, it does not automatically require one to be filed. Freezing the account is not typically required by a subpoena alone and should only be done with a specific court order, such as a seizure warrant.
An AML program's policies, procedures, and internal controls should be MOST influenced by which of the following?
- A. The personal preferences of the Chief Executive Officer.
- B. The results of the institution's enterprise-wide risk assessment.
- C. The number of employees in the compliance department.
- D. The AML programs of competing financial institutions.
Answer: B. The results of the institution's enterprise-wide risk assessment.
The foundation of a risk-based AML program is the enterprise-wide risk assessment. The results of this assessment, which identifies the specific ML/TF risks the institution faces from its customers, products, services, and geographies, should directly inform the design and implementation of its policies, procedures, and controls.
What is the primary AML risk concern when onboarding a PEP as a customer?
- A. Currency exchange rate exposure
- B. Elevated risk of bribery, corruption proceeds, or abuse of public office being laundered through the institution
- C. Greater likelihood of tax evasion
- D. Reputational risk from media attention only
Answer: B. Elevated risk of bribery, corruption proceeds, or abuse of public office being laundered through the institution
PEPs pose elevated AML risk because their public positions may give them access to state funds or opportunities for bribery and corruption, making them potential conduits for laundering illicit proceeds.
Take the full Association of Certified Anti-Money Laundering Specialists practice test
ACAMS Questions and Answers
Official Resources
- ACAMS (Association of Certified Anti-Money Laundering Specialists) is the organization that owns and administers the CAMS certification, where candidates register for the exam, access official study materials, and manage credential renewal.
- Financial Action Task Force (FATF) is the global standard-setter for anti-money laundering and counter-terrorist financing whose recommendations underpin much of the CAMS exam syllabus.
- FFIEC publishes the BSA/AML Examination Manual, a core U.S. regulatory reference for the compliance concepts tested on the ACAMS exam.
About the Author
Notary Public Law Expert & State Notary Exam Specialist
Georgetown University Law CenterAttorney Sarah Williams is a licensed attorney and National Notary Association (NNA) certified notary with a Juris Doctor from Georgetown University Law Center. She has 13 years of experience in notarial law, document authentication, and real estate closings. Sarah coaches candidates through state notary public examinations, notary signing agent certification, and loan signing agent training programs.