ACAMS Practice Test 2026

Prepare for the ACAMS CAMS exam with our free practice test. Covers AML compliance programs, BSA regulations, SAR filing, transaction monitoring, customer due diligence, and financial crime investigations.

ACAMS - Association of Certified Anti-Money Laundering SpecialistsBy Attorney Sarah WilliamsApr 7, 202649 min read
ACAMS Practice Test 2026
โฑ๏ธ3.5hTime Limit
๐Ÿ“120Questions
โœ…75%Pass Rate
๐Ÿ’ต$1695Exam Fee
๐Ÿ“ŠPass/FailScoring
๐Ÿ–ฅ๏ธCBTFormat
๐Ÿ”„UnltdRetakes
๐ŸขPearsonCenters
๐Ÿ“GlobalBased
๐ŸฉบCAMSLicensure
๐Ÿ’ปYesComputer
๐ŸŽ“40Credits

The 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 Association Of Certified Anti Money Laundering Specialists - Acams practice test

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.

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ACAMS AML/CFT Risk Assessment

Free ACAMS Practice Test featuring AML/CFT Risk Assessment. Improve your ACAMS Exam score with mock test prep.

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ACAMS AML in Correspondent Banking

ACAMS Mock Exam on AML in Correspondent Banking. ACAMS Study Guide questions to pass on your first try.

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ACAMS - Association of Certified Anti-Mone...

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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 Practice Questions for - Association of Certified Anti-Money Laundering Specialists Customer Due Diligence (CDD). Build confidence for your ACAMS certification exam.

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Free ACAMS Test covering - Association of Certified Anti-Money Laundering Specialists International AML/CFT Standards. Practice and track your ACAMS exam readiness.

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ACAMS Basic

ACAMS Mock Exam on Basic. ACAMS Study Guide questions to pass on your first try.

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ACAMS Conducting Investigations

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ACAMS Customer Due Diligence (CDD)

ACAMS Mock Test covering Customer Due Diligence (CDD). Online ACAMS Test practice with instant feedback.

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ACAMS Elements of an AML Program

Free ACAMS Quiz on Elements of an AML Program. ACAMS Exam prep questions with detailed explanations.

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ACAMS Global Sanctions Compliance

ACAMS Practice Questions for Global Sanctions Compliance. Build confidence for your ACAMS certification exam.

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ACAMS International AML/CFT Standards

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ACAMS MCQ

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ACAMS Suspicious Activity Investigation

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ACAMS Terrorist Financing Methods

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ACAMS Trade-Based Money Laundering (TBML)

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ACAMS Flashcards

Quick review for key CAMS concepts

๐Ÿ’ธWhat is Placement?

Placement is the first stage of money laundering where illicit cash enters the financial system.

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๐Ÿ”What is Structuring?

Structuring involves breaking large transactions into smaller amounts to avoid reporting thresholds.

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๐Ÿ“œWhat is the USA PATRIOT Act?

A U.S. law strengthening measures to prevent, detect, and prosecute international money laundering and financing of terrorism.

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๐ŸŒWhat is FATF?

The Financial Action Task Force is an intergovernmental body that sets standards for combating money laundering.

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๐ŸฆWhat is CDD?

Customer Due Diligence involves verifying the identity of a customer and assessing the risks associated with doing business with them.

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๐ŸšฉWhat are Red Flags?

Warning signs that indicate potential money laundering activity, such as inconsistent transaction patterns.

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ACAMS 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.

What is CAMS certification?
Certified Anti-Money Laundering Specialist (CAMS) is the global benchmark for AML skills.
Who should take the ACAMS test?
Compliance officers, risk managers, and government regulators.
What are the prerequisites?
You need 40 qualifying credits based on education and experience.
Is membership required?
Yes, you must be an active ACAMS member to take the exam.

ACAMS Test Format and Difficulty

Understanding the ACAMS test difficulty helps in planning your study schedule. The exam focuses heavily on applying AML concepts to practical situations.

โš ๏ธRisks & Methods26%

Risks and methods of money laundering and terrorist financing.

TypologiesRiskAssessmentRedFlags
  • Topics: Electronic transfers, trade-based laundering, crypto risks.
  • Questions: Approx. 31 questions
๐ŸŒIntl. Standards24%

International AML/CFT standards and global regulatory bodies.

BaselCommitteeDirectives
  • Topics: Wolfsberg Group, Egmont Group, USA PATRIOT Act.
  • Questions: Approx. 29 questions
๐Ÿ›ก๏ธCompliance Programs28%

Designing and implementing anti-money laundering compliance programs.

InternalControlsTraining
  • Topics: Risk scoring, transaction monitoring, audits.
  • Questions: Approx. 34 questions
๐Ÿ•ต๏ธInvestigations22%

Conducting investigations and supporting law enforcement.

FilingLegalRequestsCooperation
  • Topics: Subpoenas, search warrants, freezing assets.
  • Questions: Approx. 26 questions
โฑ๏ธExam Duration3.5h

Total time allowed to complete the examination.

NoBreaksContinuousTimed
  • Topics: Pacing is critical for 120 questions.
  • Questions: ~1.75 mins per question
๐Ÿ“Question Type / MCQ

Standard multiple-choice format.

ScenarioBasedDefinitionApplication
  • Topics: Select the best answer from four options.
  • Questions: 120 Total
๐Ÿ’ก Study Tip

Review the ACAMS Study Guide thoroughly, especially the glossary. Many ACAMS sample test questions hinge on understanding precise definitions of terms like "tipping off" and "willful blindness."

ACAMS Score Calculator

Total Scored Questions

150

0105150

105 out of 150 correct

70%

Required to Pass: ~70% (Estimated)

Your Score: 105 correctโœ“PASS

ACAMS Salary Information

๐Ÿ’ฐ

$88,000

Median Annual Salary

๐ŸŒฑEntry Level
$55,000
$4,583/mo0-2 Years
๐ŸŒฟJunior AML
$72,000
$6,000/mo2-5 Years
๐ŸŒฒCAMS Certified
$88,000
$7,333/mo3-7 Years
๐Ÿ’ผSenior Manager
$115,000
$9,583/mo7-10 Years
๐Ÿ‘‘Chief Compliance
$165,000+
$13,750+/mo10+ Years

How to Become ACAMS Certified

The journey includes meeting credit requirements and passing the exam. ACAMS programs for training can help you accumulate the necessary credits.

๐ŸŽ“
Step 1

Credits

Ensure you have 40 qualifying credits based on education, work experience, and training. ACAMS online webinars can help fill gaps.
๐Ÿ“
Step 2

Apply

Become a member of the Association of Certified Anti-Money Laundering Specialists.
๐Ÿ“š
Step 3

Study

Complete the online application and pay the ACAMS test cost.
โœ…
Step 4

Pass

Buy the CAMS exam package which includes the study guide and online training.

ACAMS Certification Cost

The ACAMS test cost varies depending on your sector (private vs. public) and when you register. Budgeting for membership and study materials is essential.

๐Ÿ’ณ$345Membership Annual fee (Private Sector)
๐Ÿ“š$1,695Private Sector Exam + Study Materials
๐Ÿ›๏ธ$1,295Public Sector Govt. Discount Rate
๐Ÿ’ป$2,095Virtual Class Live Training Option
๐Ÿ”„$299Retake Fee If you fail attempt
๐ŸŽ“$200Recertification Every 3 years

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 Association Of Certified Anti Money Laundering Specialists - Acams practice test

ACAMS Career Opportunities

CAMS certification opens doors to various high-demand roles in financial crime prevention.

๐Ÿ‘ฎ

AML Analyst

Monitor transactions for suspicious activity and file SARs. Essential entry-level role in banks.

โš–๏ธ

Compliance Officer

Ensure the organization adheres to all regulatory requirements and internal AML policies.

๐Ÿ•ต๏ธ

Forensic Accountant

Investigate complex financial discrepancies and potential fraud schemes within organizations.

๐Ÿ›๏ธ

Regulatory Officer

Work with government bodies to enforce banking laws and audit financial institutions.

๐Ÿ“‰

Risk Manager

Identify and mitigate financial crime risks associated with new products or clients.

ACAMS Contact Information

For official inquiries regarding membership or exam scheduling, contact ACAMS directly.

๐ŸŒ

Official Website ACAMS.org

Website: www.ACAMS.org

Services: Registration, Membership, Recertification

๐Ÿข

Pearson VUE

Testing Provider

Website: pearsonvue.com/ACAMS

Services: Scheduling, Rescheduling, Locations

Contact: Customer Service

ACAMS Test Day Checklist

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

๐ŸŽ“

Credits

60 CAMS

๐Ÿ“…

Cycle

3 Years

๐Ÿ’ต

Fee

$200

Attending ACAMS webinars and chapter events is the easiest way to earn the required 60 continuing education credits for recertification.

ACAMS Questions and Answers

About the Author

Attorney Sarah WilliamsJD, NNA Certified Notary, Notary Signing Agent

Notary Public Law Expert & State Notary Exam Specialist

Georgetown University Law Center

Attorney 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.