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Acams CAMS Exam - Topic 3 Question 116 Discussion

A compliance analyst has recently investigated an account where money was deposited in amounts below the reporting limit and almost entirely withdrawn in a foreign country.Which type of money laundering is the compliance analyst potentially identifying?
D) Structuring
A) Trade-based
B) Check Kiting
C) Microstructuring

Acams CAMS Exam - Topic 3 Question 116 Discussion

Actual exam question for Acams's CAMS exam
Question #: 116
Topic #: 3
[All CAMS Questions]

A compliance analyst has recently investigated an account where money was deposited in amounts below the reporting limit and almost entirely withdrawn in a foreign country.

Which type of money laundering is the compliance analyst potentially identifying?

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Suggested Answer: D

by Melissa at Jun 30, 2026, 12:09 PM

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Marla
3 days ago
It’s tricky, but the foreign withdrawals are a clue.
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Marvel
8 days ago
I feel like it's a clear case of Microstructuring.
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Nina
14 days ago
Yes, C) makes sense here.
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Jin
19 days ago
Structuring is more about larger sums, right?
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Rachael
24 days ago
But what about D) Structuring?
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Gilberto
29 days ago
Agreed, small deposits fit that.
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Stephen
1 month ago
I think it's C) Microstructuring.
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Genevive
1 month ago
Really? I thought Trade-based was more common for this.
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Theresia
1 month ago
I agree, this is classic Microstructuring.
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Margot
2 months ago
Wait, could it be Structuring instead?
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Angelica
2 months ago
Definitely, those small deposits are a red flag.
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Elbert
2 months ago
Sounds like Microstructuring to me!
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Brice
2 months ago
I keep mixing up structuring and microstructuring. I think the key here is the small deposits, which might lean towards microstructuring, but I'm not completely confident.
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Erasmo
2 months ago
I feel like this question is similar to one we did on trade-based money laundering. But in this case, the focus is on the withdrawal pattern, so maybe it's microstructuring?
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Maurine
3 months ago
I'm not entirely sure, but I remember something about structuring being when you break up large amounts into smaller ones. Could this be that?
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Shaun
3 months ago
I think this might be related to microstructuring since the deposits are below the reporting limit. It sounds familiar from our last practice session.
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