This guide gives a clear study plan and the core topics you must know to pass Walmart’s Anti Money Laundering CBL in 2026. It does not provide or reproduce exam answers.
About Walmart AML CBL
The Walmart Anti Money Laundering CBL trains associates on fraud and money laundering risks. The training tests knowledge of red flags, reporting steps, and company policy. Walmart publishes public policies and has internal compliance programs that back this training.
What the test usually covers
The test focuses on practical, job-level knowledge. Expect these areas:
- Basic AML definitions and goals.
- Key legal requirements and who enforces them.
- Common money laundering methods that affect retail.
- Red flags you must spot in store transactions.
- Steps to report suspicious activity inside the company.
- Specific Walmart programs and restricted items, such as covered goods or gift card rules.
Key legal terms you must know
Currency Transaction Report CTR
A CTR applies to cash transactions that meet the legal reporting threshold. In many U.S. rules this threshold is ten thousand dollars. Know when a CTR is required and why structuring is illegal.
Suspicious Activity Report SAR
A SAR is filed when there is reason to suspect illegal activity. A transaction does not need to meet the CTR threshold to be suspicious. Learn the examples of when to file.
Structuring
This means breaking one large transaction into several smaller ones to avoid reporting. It is illegal and a common red flag.
Sanctions screening and OFAC
Retailers and financial services must avoid dealing with sanctioned persons or entities. Know the basics of sanctions screening and what to do if you see a name on a list.
Red flags you must recognize
Write these down. They are frequent on the test and on the floor.
- Large cash purchases that do not match the customer profile.
- Purchases just under reporting thresholds.
- Multiple customers paying cash for the same product in a short time.
- Refusal to provide required identification when asked.
- Customers who insist on odd payment patterns for gift cards.
- Unusual routing of funds or rapid resale of high-value goods.
How to report suspicious activity at work
Follow the company chain of command and the official reporting methods. Typical steps are:
- Note facts. Record what you saw and the time.
- Inform your manager or the Asset Protection team. Use the official reporting form if available.
- Do not confront the customer. Avoid accusing language.
- Follow any direction from the compliance team. They will decide if a formal report is needed.
- Keep reports confidential. Do not discuss with other associates or customers.
Walmart’s Code of Conduct and public policies require following law and internal reporting rules.
Topics to study, with short explanations
Study these topics and understand how they apply to store work.
Bank Secrecy Act and FinCEN role
Know that the Bank Secrecy Act drives many reporting rules in the U.S. The Financial Crimes Enforcement Network is the agency that issues guidance and takes reports. Understand the purpose of SARs and CTRs. Financial Crimes Enforcement Network
Retail-specific risks
Focus on gift card abuse, prepaid products, and high-value item resale. These are common misuse points in retail. Know company rules on selling these goods.
Customer identification basics
Know when and how to ask for ID. Know the store threshold for ID checks and what forms of ID are acceptable under company policy.
Recordkeeping
Know what to record and where. Accurate notes support any further action by compliance or law enforcement.
Escalation rules
Memorize who to contact for each situation. The test may ask about the next step for certain scenarios.
Sanctions and watchlists
Know basic sanctions screening concepts. If a customer matches a known name, your store must escalate immediately.
Practical study plan (two weeks)
Week 1
- Day 1: Read the company code of conduct and the AML policy pages.
- Day 2: Study legal terms: SAR, CTR, structuring. Use FinCEN guidance.
- Day 3: Learn red flags and gift card rules. Review Walmart gift card terms.
- Day 4: Complete practice questions below. Review mistakes.
- Day 5: Watch any available Walmart training videos and notes.
- Day 6: Review escalation and documentation steps.
- Day 7: Quick self-test and rest.
Week 2
- Day 8: Re-read policy highlights. Focus on weak spots.
- Day 9: Work through scenario practice questions.
- Day 10: Time yourself on practice tests.
- Day 11: Review terminology and examples.
- Day 12: Discuss scenarios with a manager or trainer if allowed.
- Day 13: Final review of red flags and reporting steps.
- Day 14: Take the CBL test with focus and calm.
Practice questions (study only)
These questions are original. They help you think like the test, but they are not exam content.
- A customer buys ten $200 gift cards with cash. The customer refuses to give a phone number. What should you do?
- A customer pays cash three times in one hour for the same expensive item. What red flag does this show?
- A customer offers to pay with multiple $9,000 cash payments to avoid a single large report. What is this called?
- You notice a name on a written delivery list that matches a sanctions watchlist. What is your next step?
- A customer asks to return an item originally bought with a traceable payment. They want cash back. What concerns does this raise?
After each practice question, write the facts, identify the red flag, list the people you would notify, and state whether you would record the event. Use short bullet notes. This method trains you to document clearly.
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Answer guidance for practice questions (study answers)
Do not share or use these in place of test answers. Use them to check your thinking.
- Note the purchase and customer details. Inform your manager or Asset Protection. Do not confront. Record facts. Gift card patterns can signal fraud.
- This shows possible structuring or resale. Alert a manager and document the transactions.
- This is structuring. It is illegal. Report it internally and follow company rules.
- Escalate immediately. Do not process any transaction that may violate sanctions. Record steps and notify the compliance team.
- This could be linked to money laundering or resale schemes. Record details. Inform Asset Protection. Follow return and reporting policy.
Quick checklist to use on test day
- Read each question slowly.
- Note which company policy the question refers to.
- Use facts given in the question. Do not assume extra details.
- If a question asks for the correct escalation, choose the answer that follows policy and protects confidentiality.
- For scenario questions, list steps in order: observe, document, escalate.
- Stay calm and manage time. Short, correct answers beat long guesswork.
Where to find official resources
Use only official sources for final review:
- Walmart public policies and the corporate code of conduct pages.
- Walmart marketplace FinCEN-covered goods policy for sellers and high-value items.
- Walmart gift card terms for the latest rules about gift card sales.
- FinCEN guidance, advisories, and SAR/CTR filing instructions for legal background and examples.
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Final preparation tips
- Use short notes and checklists.
- Practice the scenario method: facts, flag, escalate.
- Review legal terms one last time on the morning of the test.
- Follow company rules exactly in every answer.
If you want, I can make a printable one-page checklist, a two-week calendar you can follow, or more practice scenarios.
