The Advanced CAMS-Financial Crimes Investigations (CAMS-FCI)
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CAMS-FCI Exam Dumps
- Exam Code: CAMS-FCI
- Vendor: ACAMS
- Certifications: AML Certifications
- Exam Name: Advanced CAMS-Financial Crimes Investigations
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ACAMS CAMS-FCI Exam Domains Q&A
Certified instructors verify every question for 100% accuracy, providing detailed, step-by-step explanations for each.
Question 1
ACAMS CAMS-FCI
QUESTION DESCRIPTION:
In which case should an investigator avoid escalating a suspicious event to the chief compliance officer and pursue other channels?
Correct Answer & Rationale:
Answer: B
Explanation:
An investigator should avoid escalating a suspicious event to the chief compliance officer if there is a potential conflict of interest, such as when a close family member of the officer is involved in the transaction. In such a case, the investigator should pursue other channels, such as reporting to a higher authority or an independent committee. The other options do not present a conflict of interest and should be escalated to the chief compliance officer as part of the normal procedure.
References: Advanced CAMS-FCI Certification Handbook, page 18.
Question 2
ACAMS CAMS-FCI
QUESTION DESCRIPTION:
Which is the first valid step in the Mutual Legal Assistance Treaties international cooperation process?
Correct Answer & Rationale:
Answer: B
Explanation:
The first valid step in the Mutual Legal Assistance Treaty (MLAT) international cooperation process is for the central authority of the requesting country to send a letter of request to the central authority of the other country. The letter of request should provide a summary of the facts and information required, the reasons for the request, and any specific legal or procedural requirements that need to be met. (CAMS Manual, 6th Edition, Page 233).
Question 3
ACAMS CAMS-FCI
QUESTION DESCRIPTION:
SAR/STR NARRATIVE
A SAR/STR has been submitted on five transactions conducted on the correspondent banking relationship with ABC Bank.
Client Information:
Remitter information: DEF Oil Resource Ltd. is the oldest member of the DEF Group. It was founded in 1977 as a general trading business with a primary focus on exports from Africa and North America. The group has business activities that span the entire energy value chain. Their core field of endeavor is centered within the oil and gas industry and its associated sub-sectors.
Beneficiary Information:
As per the response received from ABC Bank, it was determined that the beneficiaries are related to DEF Oil Resource Ltd. These were created by DEF Oil Resource Ltd. to purchase property in a foreign country on behalf of their senior management as part of a bonus scheme. The purpose behind this payment was for purchase of property in another country.
Payment Reference:
ABCXXXXX31PZFG2H
ABCXXXXXX51PQGEH
ABCXXXXXX214QWVG
ABCXXXXXX41PSXA2
ABCXXXXXX815QWS3
Concerns:
• We are unsure about the country of incorporation of the beneficiaries.
• We are concerned about the transactional activity since the payment made towards entities (conducted on behalf of individuals) appears to be possible tax evasion.
• There appears to be an attempt to conceal the identity of individuals (senior management), which again raises concerns about the source of funds.
• Referring to the response received from ABC Bank, we are unclear about the ultimate beneficiary of funds.
• The remitter is involved in a high-risk business, (i.e., oil and crude products trading), and the beneficiary is involved in a real estate business which again poses a higher risk.
The monitoring system of the correspondent institution flags the transaction as suspicious activity. The correspondent bank needs to send a request for information to the respondent bank. Which elements should be included in the request? (Select Three.)
Correct Answer & Rationale:
Answer: A, C, E
Explanation:
The request for information should include the following elements:
Details of DEF Oil Resource Ltd parent company and the name(s) of the beneficial owner(s) (Option A): This is necessary to verify the identity and ownership structure of the remitter and to assess the risk level of the customer and the transaction.
The account profile of the customer and their KYC data (Option C): This is necessary to understand the nature and purpose of the customer’s business relationship with the respondent bank and to compare it with the observed transactional activity.
The contract pertaining to the purchase of property in another country (Option E): This is necessary to verify the legitimacy and source of funds for the transaction and to identify the ultimate beneficiary of funds.
The other options are not relevant or necessary for the request for information. The full transaction history of the correspondent bank’s customer (Option B) is too broad and may not be related to suspicious activity. The respondent bank’s customer’s senior management bonus plan (Option D) is not relevant to the transaction and may not be available to the respondent bank. The last 6 months of transactional history (Option F) is also too broad and may not be related to the suspicious activity.
References:
Advanced CAMS-FCI Certification Handbook, page 19
Question 4
ACAMS CAMS-FCI
QUESTION DESCRIPTION:
An investigator receives an alert documenting a series of transactions. A limited liability corporation (LLC) wired 59.000,000 USD to an overseas account associated with a state-run oil company. A second account associated with the state-run oil company wired 600,000,000 USD to the LLC. The LLC then wired money to other accounts, a money brokerage firm, and real estate purchases.
The investigator initiated an enhanced KYC investigation on the LLC. The financial institution opened the LLC account a couple of weeks prior to the series of transactions. The names associated with the LLC had changed multiple times since the account opened. A search of those names revealed relations with multiple LLCs. Public records about the LLCs did not show any identifiable business activities.
Open-source research identified mixed reports about the brokerage firm. The firm indicated it purchased mutual funds for its clients and dispensed returns to clients.
Media reports claimed the firm laundered money by holding for a fee before returning it to investors.
The investigator discovers that the bank has no records pertaining to ownership of the LLC. What would this mean for the bank and/or investigator?
Correct Answer & Rationale:
Answer: C
Explanation:
The bank is out of compliance with CIP regulations because it did not obtain the minimum identifying information from the customer prior to opening the account, as required by 31 CFR § 1020.220(a)(2)(i)(A). The bank should have obtained the name, date of birth, address, and identification number of the customer, as well as verified the identity of the customer to the extent reasonable and practicable. The lack of ownership data may also indicate a violation of beneficial ownership regulations, but that is not the primary issue in this case.
Question 5
ACAMS CAMS-FCI
QUESTION DESCRIPTION:
An investigator at a corporate bank is conducting transaction monitoring alerts clearance.
KYC profile background: An entity customer, doing business offshore in Hong Kong, established a banking business relationship with the bank in 2017 for deposit and loan purposes. It acts as an offshore investment holding company. The customer declared that the ongoing source of funds to this account comes from group-related companies.
• X is the UBO. and owns 97% shares of this entity customer;
• Y is the authorized signatory of this entity customer. This entity customer was previously the subject of a SAR/STR.
KYC PROFILE
Customer Name: AAA International Company. Ltd
Customer ID: 123456
Account Opened: June 2017
Last KYC review date: 15 Nov 2020
Country and Year of Incorporation: The British Virgin Islands, May 2017
AML risk level: High
Account opening and purpose: Deposits, Loans and Trade Finance
Anticipated account activities: 1 to 5 transactions per year and around 1 million per
transaction amount
During the investigation, the investigator reviewed remittance transactions activities for the period from Jul 2019 to Sep 2021 and noted the following transactions pattern:
TRANSACTION JOURNAL
Review dates: from July 2019 to Sept 2021
For Hong Kong Dollars (HKD) currency:
Incoming transactions: 2 inward remittances of around 1.88 million HKD in total from
different third parties
Outgoing transactions: 24 outward remittances of around 9 4 million HKD in total to
different third parties
For United States Dollars (USD) currency:
Incoming transactions: 13 inward remittances of around 3.3 million USD in total from
different third parties
Outgoing transactions: 10 outward remittances of around 9.4 million USD in total to
different third parties.
RFI Information and Supporting documents:
According to the RFI reply received on 26 May 2021, the customer provided the bank
with the information below:
1) All incoming funds received in HKD & USD currencies were monies lent from non-customers of the bank. Copies of loan agreements had been provided as supporting documents. All of the loan agreements were in the same format and all the lenders are engaged in trading business.
2) Some loan agreements were signed among four parties, including among lenders. borrower (the bank ' s customer), guarantor, and guardian with supplemental agreements, which stated that the customer, as a borrower, who failed to repay the loan
Based on the KYC profile and the transaction journal, the pattern of activity shows a deviation in:
Correct Answer & Rationale:
Answer: A
Explanation:
The correct answer is A because the expected account activities were 1 to 5 transactions per year and around 1 million per transaction amount, but the actual activity showed much more frequent and varied transactions in different currencies and amounts. This indicates a deviation from the customer’s profile and risk level.
References: Advanced CAMS-FCI Study Guide, page 16
Question 6
ACAMS CAMS-FCI
QUESTION DESCRIPTION:
How does the Financial Action Task Force (FATF) measure the effectiveness of a country ' s efforts to combat money laundering and terrorist financing?
Correct Answer & Rationale:
Answer: A
Explanation:
" The FATF measures the effectiveness of a country ' s efforts to combat money laundering and terrorist financing through a mutual evaluation process. During a mutual evaluation, the FATF assesses a country ' s legal and institutional framework, its implementation of measures to combat money laundering and terrorist financing, and the effectiveness of its efforts. The FATF then issues a report with recommendations for improvement " [CAMS Study Guide 6th edition, page 15-16].
Question 7
ACAMS CAMS-FCI
QUESTION DESCRIPTION:
A national financial intelligence unit (FIU) is undertaking the country risk assessment for the financing of the proliferation of weapons of mass destruction (WMD). The evaluation involves determining the exposure that financial institutions (FIs) have to operations that evade sanctions. Which should be performed by the FIU to assess proliferation financing risk? (Select Two.)
Correct Answer & Rationale:
Answer: B, D
Explanation:
The FIU should cross-reference the databases of international commerce/logistics transactions between the country and WMD proliferation sanctioned states with the corresponding international financial operations of those transactions, as this would help identify any discrepancies or anomalies that could indicate sanctions evasion. The FIU should also evaluate a sample of the amount of false-positive and false-negative alerts that FIs have regarding proliferation sanctions evasion to determine root causes of non-detection, such as inadequate screening systems, lack of training, or human error. These actions would help the FIU assess the proliferation financing risk and provide feedback and guidance to FIs on how to improve their detection and prevention capabilities.
References: Advanced CAMS-FCI Study Guide, page 32-33; [FATF Guidance on Counter Proliferation Financing] , page 15-16.
Question 8
ACAMS CAMS-FCI
QUESTION DESCRIPTION:
Law enforcement (LE) suspects human trafficking to occur during a major spotting event. LE officers asked several financial institutions (FIs) to monitor financial transactions occurring before, during, and after the event.
An investigator identified a pattern linked to a business. The business* account received multiple even dollar deposits between midnight and 4:00 AM. They occurred each day for several days prior to the date of the sporting event. Also, large cash deposits, typically between 2,000 USD and 3.000 USD. made by a person to the business ' account occurred in many branches in the days after the sports event
There was little information about the company. The company did not have any history of employee payroll expenses or paying taxes. Expenses from the business account included air travel and hotel expenses. Searches about the person making cash deposits showed little. An online social media platform webpage with the individual ' s name showed ads for dates " and " companionship. "
If the investigator uncovers evidence that foreign nationals are involved in this activity, they should also note the possible presence of:
Correct Answer & Rationale:
Answer: D
Explanation:
If the investigator uncovers evidence that foreign nationals are involved in this activity, they should also note the possible presence of human smuggling (D). This is because human smuggling is the illegal movement of people across borders, often facilitated by criminal networks that exploit vulnerable migrants. According to the FATF and Egmont Group report on Financial Flows from Human Trafficking2, “human smuggling can be closely linked to human trafficking, as smuggled migrants may become victims of trafficking along their journey or at their destination” (p. 9). The report also states that some indicators of human smuggling are similar to those of human trafficking, such as:
Frequent cash deposits or withdrawals in different locations
Use of false or fraudulent identification documents
Expenses related to travel and accommodation
Involvement in online platforms that advertise sexual services
The other options are not as relevant or specific as option D. Tax fraud (A) is the evasion of taxes by individuals or businesses, which may or may not be related to human trafficking or smuggling. Black market peso exchange (B) is a money laundering scheme that involves exchanging illicit proceeds in one currency for another currency at a discounted rate, which is more commonly associated with drug trafficking or trade-based laundering. Trade-based laundering © is the manipulation of trade transactions to disguise the origin and ownership of illicit funds, which is also more likely to be linked to drug trafficking or other types of fraud.
References: 1: ACAMS Advanced Financial Crimes Investigations Certification Study Guide, available at ACAMS 2: FATF and Egmont Group, Financial Flows from Human Trafficking, July 2018, available at FATF
Question 9
ACAMS CAMS-FCI
QUESTION DESCRIPTION:
Which is a key characteristic of the Financial Action Task Force (FATF) Regional Style Bodies for combatting money laundering/terrorist financing?
Correct Answer & Rationale:
Answer: B
Explanation:
According to the CAMS study guide, the Financial Action Task Force (FATF) Regional Style Bodies are organizations created by the FATF to promote the implementation of anti-money laundering and countering the financing of terrorism (AML/CFT) measures in specific regions. One of the key characteristics of these bodies is the implementation of regional mutual evaluation procedures.
Regional mutual evaluations involve member countries evaluating each other ' s AML/CFT regimes to identify strengths and weaknesses and to develop best practices for improvement. This process allows for greater cooperation between countries and can help to identify and address regional AML/CFT risks more effectively. It also promotes consistency in AML/CFT standards and practices within the region.
Question 10
ACAMS CAMS-FCI
QUESTION DESCRIPTION:
A financial regulator is evaluating the effectiveness of a financial institution ' s (Fl) anti-financial crime program. Which condition should be met to satisfy the regulator?
Correct Answer & Rationale:
Answer: D
Explanation:
The condition that should be met to satisfy the regulator is that the program is drafted using a risk-based approach to avoid the FI being used as a conduit for criminal activities. A risk-based approach means that the FI identifies, assesses, and understands its exposure to financial crime risks and applies appropriate measures to mitigate them. This is consistent with the international standards and best practices for anti-financial crime compliance. The program being aligned with the financial industry’s anti-financial crime priorities, meeting the minimum requirements of anti-financial crime standards published by a financial industry association, or having no high-severity issues in internal auditing results are not sufficient to satisfy the regulator, as they do not necessarily reflect the specific risks faced by the FI or demonstrate its effectiveness in preventing and detecting financial crimes.
References: [Advanced CAMS-FCI Study Guide], page 14-15; [FATF Guidance on Risk-Based Approach for Effective Supervision] , page 7-8.
Verified by Certified Instructors
This ACAMS CAMS-FCI study pack was audited and verified on March 26, 2026 by Aswath Sinclair,. We ensure every technical rationale aligns with real-world enterprise standards.
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ACAMS CAMS-FCI AML Certifications FAQ
What are the prerequisites for taking AML Certifications Exam CAMS-FCI?
There are only a formal set of prerequisites to take the CAMS-FCI ACAMS exam. It depends of the ACAMS organization to introduce changes in the basic eligibility criteria to take the exam. Generally, your thorough theoretical knowledge and hands-on practice of the syllabus topics make you eligible to opt for the exam.
How to study for the AML Certifications CAMS-FCI Exam?
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How hard is AML Certifications Certification exam?
Like any other ACAMS Certification exam, the AML Certifications is a tough and challenging. Particularly, it's extensive syllabus makes it hard to do CAMS-FCI exam prep. The actual exam requires the candidates to develop in-depth knowledge of all syllabus content along with practical knowledge. The only solution to pass the exam on first try is to make sure diligent study and lab practice prior to take the exam.
How many questions are on the AML Certifications CAMS-FCI exam?
The CAMS-FCI ACAMS exam usually comprises 100 to 120 questions. However, the number of questions may vary. The reason is the format of the exam that may include unscored and experimental questions sometimes. Mostly, the actual exam consists of various question formats, including multiple-choice, simulations, and drag-and-drop.
How long does it take to study for the AML Certifications Certification exam?
It actually depends on one's personal keenness and absorption level. However, usually people take three to six weeks to thoroughly complete the ACAMS CAMS-FCI exam prep subject to their prior experience and the engagement with study. The prime factor is the observation of consistency in studies and this factor may reduce the total time duration.
Is the CAMS-FCI AML Certifications exam changing in 2026?
Yes. ACAMS has transitioned to v1.1, which places more weight on Network Automation, Security Fundamentals, and AI integration. Our 2026 bank reflects these specific updates.
How do technical rationales help me pass?
Standard dumps rely on pattern recognition. If ACAMS changes a single IP address in a topology, memorized answers fail. Our rationales teach you the logic so you can solve the problem regardless of the phrasing.
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