Discuss Acams CAMS-FCI Exam Topic 4 Question 30

In a SAR/STR narrative concerning Individual

Awhich statement indicates a product of analysis rather than a fact or judgement?

AIndividual A was the originator of nine wires totaling 225.000 USD between January and March 2020.

BIndividual A made structured cash deposits possibly to circumvent regulatory reporting requirements

CIndividual A made structured cash deposits on almost consecutive days.

DIndividual A is a college student and employed part-time at a car wash.

Suggested Answer: B

A product of analysis is a conclusion or inference that is derived from facts or judgments, using analytical techniques or tools. Option B is a product of analysis because it implies that the investigator has used a tool or technique, such as a threshold analysis, to identify a pattern of structured cash deposits that may indicate an attempt to evade reporting requirements. The other options are facts or judgments that can be verified by evidence or observation.

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19 comments · newest first

Daniel 1 month ago

This question is tricky, but B stands out.

Ernie 1 month ago

I feel confident about choosing B too.

Lili 1 month ago

B really implies something deeper about motives.

Colette 2 months ago

C is similar, just describing actions.

Luisa 2 months ago

D is also just a fact, not analysis.

Ona 2 months ago

A is just stating facts, no analysis there.

Gail 2 months ago

I agree, B feels more analytical.

Hubert 2 months ago

It suggests intent, not just facts.

Colette 2 months ago

Why B?

Hubert 3 months ago

I think B is the right choice.

Lilli 3 months ago

Interesting that they were sending so much money while being a student!

Tyra 3 months ago

D is just a fact, nothing more.

Margot 3 months ago

Wait, how do we know they were trying to circumvent anything?

Freida 3 months ago

I agree, B seems more like an analysis than a fact.

Loreta 4 months ago

Individual A made structured cash deposits on almost consecutive days.

Sommer 4 months ago

I’m leaning towards B too, but I wonder if there's a chance that A could be interpreted as analysis since it quantifies the transactions.

Cristy 4 months ago

I feel like option C could also be seen as analysis since it implies a pattern, but it’s hard to tell without more context.

Krystal 4 months ago

I remember practicing a question like this, and I think facts are more straightforward, so maybe A or D are just stating facts.

Nakisha 4 months ago

I think option B is the one that indicates analysis because it suggests intent behind the actions, but I'm not entirely sure.

Acams CAMS-FCI Exam - Topic 4 Question 30 Discussion