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Home / Guides / 10 AML Red Flags Every Investigator Shou…

Final exam · 12 questions · pass at 10/12

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12 questions across all 3 chapters. Score 10 or better and claim a free, verifiable certificate of completion you can add to your LinkedIn profile. Retake it as often as you like.

01 Chapter 1 Why are round-dollar transactions, such as repeated $9,800 or $10,000 transfers, considered a potential AML red flag?

A They always indicate a wire transfer processing error B They can indicate deliberate structuring to avoid reporting or scrutiny thresholds C They are exclusively used by legitimate payroll systems D They are irrelevant to transaction monitoring

02 Chapter 1 A retiree with a modest declared pension begins transferring millions of dollars overseas. What category of red flag does this best illustrate?

A Mismatched customer profile B Frequent high-cash transactions C Threshold structuring D Reluctance to provide information

03 Chapter 1 Why does frequent high-cash activity require contextual judgment rather than a fixed volume rule?

A Cash transactions are never relevant to AML monitoring B Cash transactions are always automatically legitimate regardless of volume C Monitoring systems can fully resolve cash red flags without any human review D High cash volumes are normal for some business types and abnormal for others, so the same volume can mean different things depending on the customer's declared business

04 Chapter 1 What is the defining characteristic of rapid movement of funds as a layering red flag?

A Funds are deposited and immediately withdrawn in cash only B Funds move exclusively between accounts owned by the same customer C Funds arrive and quickly leave to unrelated or short-lived accounts with no clear business purpose D Funds are held in the account for several months before any activity occurs

05 Chapter 2 A single wire transfer touches a jurisdiction known for strict banking secrecy. On its own, what does this mean?

A It is automatically proof of money laundering requiring an immediate SAR B It is not automatically suspicious; investigators look for a pattern or inconsistency with the customer's profile before escalating C It should be ignored since jurisdiction is never relevant to AML risk D It means the transaction must be reversed immediately

06 Chapter 2 What best defines 'unexplained wealth' as an AML red flag?

A Any single transaction over $10,000 B A one-time large deposit with a clear invoice attached C A sustained, unexplained gap between a customer's declared income and the observed scale of their financial activity D A customer who banks exclusively in their home currency

07 Chapter 2 Why is a complex corporate ownership structure, such as nested ownership through several entities, not automatically a red flag?

A Because nested ownership is illegal and is therefore always investigated separately from AML B Because regulators prohibit compliance teams from reviewing ownership structures C Because nested ownership structures never appear in real AML cases D Because legitimate multinational and estate planning structures also use layered ownership for lawful purposes

08 Chapter 2 A corporate customer refuses to provide a beneficial ownership chart despite multiple requests. What should the investigator conclude?

A The refusal itself is a serious red flag warranting escalation, independent of the ownership structure's complexity B The refusal is standard practice and requires no further action C The investigator should stop asking and approve the account D The refusal only matters if the customer is based overseas

09 Chapter 3 Why is a customer's reluctance to provide information treated as an independent red flag?

A Because legitimate customers generally have no reason to withhold information supporting their own onboarding, so persistent evasiveness is itself meaningful B Because all customers are legally required to answer every question immediately C Because reluctance is only relevant if the customer is a foreign national D Because reluctance always means the customer is guilty of a crime

10 Chapter 3 What should an investigator focus on when reviewing a customer's international wire transfer activity?

A The transaction size alone, since larger wires are always more suspicious B Only the destination country's currency C Whether the pattern, frequency, and counterparty relationships are consistent with the customer's declared business, not the size of any single wire D Whether the wire was sent on a weekday or a weekend

11 Chapter 3 A customer sends several transfers of $9,900 each to the same recipient over three weeks. What AML red flag does this best illustrate?

A Unexplained wealth B Threshold structuring, breaking a larger sum into amounts that individually avoid a reporting threshold C Mismatched customer profile D Reluctance to provide information

12 Chapter 3 Why do threshold-based monitoring rules generate a high volume of false positives?

A Because the rules are poorly coded and should be disabled B Because thresholds only apply to cash transactions C Because false positives never occur in properly configured systems D Because many customers legitimately transact in amounts that happen to sit near common reporting limits, so investigative judgment is needed to separate coincidence from genuine structuring

0 of 12 answered

Not this time, and that is fine: the exam is here to point you at what to rewatch. Review the chapters below, then retake the exam. Your best path is the study notes panel on each chapter.

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