Free ACAMS CAMS Actual Exam Questions s - Question 9 Discussion
denomination U.S. bank notes to casas de cambio. They suspect that a Mexican syndicate is
operating a money laundering scheme in the bank’s jurisdiction.
Which two steps should be taken to trace funds through the bank to assist law enforcement in their
investigation? (Choose two.)
Option C is solid because spotting sequentially numbered monetary instruments in deposits signals structuring, a common laundering tactic. Pairing that with A makes sense since filing a suspicious transaction report is crucial for law enforcement.
Not B, since just spotting a decrease doesn’t really trace the funds or help law enforcement. C seems key because deposits with sequentially numbered instruments show possible structuring, and D tracks suspicious wire transfers out.
Maybe C and D work best here. C focuses on deposits with third-party items and sequentially numbered instruments, which could reveal layering or structuring tactics by casas de cambio. D complements that by tracking wire transfers out of Mexico, showing movement of funds beyond just the bank notes. A is important for reporting but doesn’t directly trace the funds, while B seems less about tracing and more about noticing a drop in activity, which might not help pinpoint laundering routes. So C and D together give a clearer path to follow the money through the bank’s records.
B seems less useful since a decrease in sales might not tell much about laundering. C could help if those third-party items link directly to casas de cambio, but that’s a big if. Could the focus be more on actual transaction flows?
It’s A and D for me. Reporting suspicious transactions with A is a no-brainer when you suspect laundering. D makes sense because tracing those wire transfers outside Mexico can show where the money flows next, which is key in investigations. B and C don’t really address following the money through the bank as directly—especially C, since it’s not clear those deposits are tied to the casas de cambio accounts themselves. So, sticking with A and D seems like the best way to assist law enforcement here.
A/D. Definitely report the suspicious activity with A, and D helps track the money leaving the country, which is a big part of tracing laundering. C seems less certain without clear deposit details.
Option A for reporting suspicious activity, plus C since third-party deposits reveal layering in laundering.
A/D. Reporting suspicious activity is a must, plus those unusual wire transfers in D could show where the money’s moving internationally, which is key for tracing the syndicate’s network.
D imo, tracking those wire transfers could reveal where the money’s going, showing links outside of Mexico. A also makes sense since reporting suspicious transactions triggers an official investigation.
A/C? Wonder if identifying deposits with third-party or sequentially numbered items is key here, or if just spotting the suspicious transaction report is enough for tracing. Anyone know if D also matters?