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Passed ACAMS Exam today 103 Score - Overview and FAQs.
Here are some frequently asked questions (questions that I also personally had when searching Reddit) and feedback on common external resources used:
-Exam Preparation time : 5 weeks, primarily weekends, 3-5 hours each Saturday and Sunday, and listening to Audio Book on my drive to work and back (50 minutes aggregate per day, not every day though)
-BSA/Compliance experience : 3 years (12 in banking in general, e.g. 9 years mostly as a Licensed Personal Banker)
-Resources and study plan: I read the entire study guide once while taking notes (for mental retention only, as I personally did not refer back to these notes afterwards), while reading the study guide, as mentioned above I would also listen to the audio version when I was driving to work and back. After I finished the study guide I completed the online module (this was about 8-9 days prior to the exam). Afterwards I took the study guide practice test at the end, scored 108, and reviewed the 12 questions I missed to reinforce deficiencies. Lastly, I reviewed ALL the flash cards about 5 days prior to the exam.
-External Resources: I took the AML Expert Free sample test and AML Assassin paid practice test both in the last 5 days leading to the exam.
-Practice tests vs Actual Exam: Neither the AML Expert test, nor the practice test at the end of the study guide nor the AML Assassin test, are similar to the Actual Exam. The actual Exam is worded in its very own way, which is why you MUST understand the material, not just memorize anything. You need to understand the material and be able to apply it, because the actual exam writers definitely got creative with their questions and answers choices, HOWEVER, common sense alone and good judgment will help you answer several questions, just make sure you read every question carefully AT LEAST twice. After having taken the exam I would probably not recommend the AML Expert as I felt some of their questions were incorrect and quite frankly, confusing. As far as the AML Assassin, it’s a more difficult test than the actual Exam, and that’s not something that will necessarily help you, because (1) most of their questions were in a different format (probably outdated format since I know this test was created several years ago and the questions for the most part haven’t been updated) (2) unnecessarily complex (some of their questions had 8 possible choices of answers to choose 4-5 correct) the real exam had no more than 5 possible choices to choose 3 correct, and (3) covered many topics that were not mentioned in the study guide nor in the actual exam at all. So the AML Assassin, I’m not gonna say, don’t take it, it may help you prepare more if you are the type of person that learns from taking multiple practice tests, and likely given it’s unnecessary difficulty level, if you pass it, you will also more than likely pass the real thing, but is it necessary? Not at all.
For comparison, I scored 108 in the study guide practice test, 91 in the AML Assassin and 103 in the actual ACAMS Exam. My scores were in line with most of the feedback in Reddit, your actual exam score will likely be somewhere in the middle between the study guide test score and the AML Assassin test score.
The Exam itself, I’m not going to tell you study this or study that, because from what I read here there seems to be different versions, some people get a lot of Chapter 2, some others get a lot of Chapter 3 etc. personally, I got a little bit of everything, although primarily situational questions such as scenarios identifying the highest money laundering risks and red flags/typologies etc for the many different industries (Real estate, casino, MSBs, Precious metals dealers etc) as well as situational questions regarding what would you do as a compliance officer in such and such situations (including Compliance Program requirements/standards etc), after this which I would say represented probably about 50% of the exam, the rest was OFAC and Investigations/SAR processes including procedures for communication and information sharing with Law Enforcement (probably about 20%). The other 30% was just spread out in general, little bit of FATF more than the rest but also questions about TBML, BMPE, Egmont, Basil, Wolfsberg, FSRBs, EU Directives, etc.
Overall, it’s not an easy exam by any means, it requires preparation, it’s not an exam you can just probably “swing” regardless of your experience or lack thereof, but using common sense, as cliche as it sounds, will go a long way in answering questions correctly.
I tried to cover most of the questions that I had myself, none of which had been covered in a single Reddit post before.
If you have any additional questions, or anything at all you want to ask, fire away, I would love to help out.