2/12/22, 21:49 AML Test

AML Test

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The stage of money laundering at which illicit money becomes indistinguishable

from legitimate funds and can be reinvested is called:

a. Integrity

b. Placement

c. Integration

d. Layering

What is the definition of a predicate offense?

a. Lawful or unlawful activity that involves willful blindness, and if there is an

international element to the crime, can lead to a suspicious activity report.

b. Unlawful activity whose proceeds, if involved in the transaction, can give rise to
prosecution for the crime of money laundering.

c. An interface that is the underlying segment of a suspicious transaction monitoring

system.

d. A specified unlawful activity that committed through concentration accounts

deceiving customers that are not directly related to the account.

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If a person is a foreign PEP, domestic PEP or HIO, then certain family members
must also be regarded as PEPs or HIOs. These family members are:

a. Their spouse or common-law partner

b. Their child

c. Their mother or father

d. All of the above

Which of the following is NOT a 'high risk' customer?

a. Cash intensive business e.g. money transfer, casinos etc.

b. Customers with complex structures that make identifying ownership difficult.

c. A PEPs stockbroker.

d. A customer whose ownership structure is through 'bearer shares'.

Which one of the following is NOT a 'low risk' customer?

a. Other regulated financial institutions.

b. Charities.

c. Listed Companies.

d. Government and Public Authorities.

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Who does Compliance Responsibility lie with?

a. Board of Directors

b. Senior Management & Staff

c. Compliance Office

d. All of the Above

What is a money mule?

a. A person recruited to transact with illegally obtained money

b. A gang member transporting illegal money

c. A person that sales drug

d. All of the above

What is smurfing:

a. Changes small bills for large bill

b. Changing large bills for small bills

c. Outsourcing the depositing of illegal money to multiple people

d. Non of the above

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In which of the following AML stages would you typically find (within the financial
system) fraud?

a. Predicate offence

b. Placement

c. Layering

d. Integration

e. All of the above

f. None of the above

What is willful blindness defined as?

a. Failing to file a suspicious transaction report for dealing with companies or

financial institutions from offshore tax havens.

b. Not following customer identification procedures as set out in the institution’s

procedures.

c. Deliberate avoidance of knowledge of the facts or ignoring obvious money

laundering red flags.

d. Deliberate avoidance of a customer based on the assumption that his or her

behavior suggested a potential threat as money launderer and/or terrorist.

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Structuring is typically found in the following stage(s) of ML A. Predicate offence B.

Placement C. Layering D. Integration

a. Only A

b. A and B

c. Only B

d. A and C

e. A and D

f. Only D

Smurfing is typically found in the following stage(s) of ML A. Predicate offence B.

Placement C. Layering D. Integration

a. Only A

b. A and B

c. Only B

d. A and C

e. Only C

f. A and D

g. Only D

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The following statements about Shell Banks: A. Are not fully operational B. Is
forbidden for BNS to be involved with

a. A and B are correct

b. A and B are incorrect

c. A is correct and B is incorrect

d. A is incorrect and B is correct

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