Money laundering is a big deal, and Walmart takes it seriously. That’s why they have a special training called the Walmart Anti-Money Laundering CBL (Computer-Based Learning) test. If you’re a Walmart employee, passing this test is important. In this guide, we’ll walk you through everything you need to know, with easy-to-understand answers and tips. Even a 10-year-old could understand it!
What Is the Walmart Anti-Money Laundering CBL Test?
The Walmart Anti-Money Laundering CBL test is an online training course and quiz given to Walmart employees. It’s part of Walmart’s effort to stop illegal activities like money laundering, fraud, and theft. The course teaches employees how to identify suspicious transactions and customers who might be trying to do something illegal with money.
This test is not just for store cashiers—it’s also important for customer service associates, money center employees, and anyone who handles financial transactions at Walmart. The training helps make sure everyone knows the rules and follows the law.
The test has multiple-choice questions, short scenarios, and examples that make it easy to understand real-life situations. It’s not meant to trick you but to make sure you know how to act responsibly at work.
Why Is Walmart Serious About Money Laundering?
Walmart handles millions of dollars every day, so it’s a target for criminals who want to “clean” illegal money. Money laundering means hiding where money came from by making it look legal. Criminals often use retail stores, banks, or businesses to do this.
Walmart is required by U.S. federal law to watch for this kind of activity. If they don’t, they could get in serious trouble with the government. That’s why they train employees to:
- Notice red flags,
- Report suspicious behavior, and
- Protect the company and customers.
The Bank Secrecy Act (BSA) and Patriot Act are two U.S. laws that make companies like Walmart follow anti-money laundering (AML) rules. Walmart has to file reports if someone is doing something shady with money.
What Are the Common Questions in the AML CBL Test?
The AML CBL test includes realistic situations. Walmart wants to see if you can spot illegal actions or follow the right steps. Here are some common question types you may see:
Spotting Suspicious Customers
You’ll get questions about customers who:
- Buy money orders often in large amounts
- Try to avoid showing ID
- Use many small transactions instead of one big one
- Act nervous or secretive when making payments
For example, someone buying $2,000 in money orders every day, using cash, and refusing to give an ID is suspicious. The test will ask what you should do in that situation.
Reporting Bad Transactions
The training explains how and when to report suspicious activities. It may ask:
- Who do you tell first?
- How do you file an SAR (Suspicious Activity Report)?
- When should you contact management?
You’ll likely see a scenario like: “A customer is using fake IDs for transactions. What do you do?” The correct answer is usually to inform your manager and follow Walmart’s internal process.
What You Should Never Do
The test will also include things you must never do, such as:
- Ignoring suspicious activity
- Helping a customer avoid showing ID
- Doing transactions under someone else’s name
Even if a customer insists or tries to bribe you, you must always follow the rules. These questions test your judgment and honesty.
Easy Walmart AML Test Answers Explained
Here are simplified versions of answers that often apply in the test:
- Always ask for ID when needed—never skip this.
- Don’t split transactions to avoid reporting requirements.
- Report strange patterns, like buying multiple gift cards with cash.
- Follow company policy and talk to your manager if unsure.
- Never tell the customer you’re reporting them—it’s confidential.
Example: A customer tries to send $9,900 via a money transfer, just under the $10,000 reporting limit. This is a red flag. Even though it’s under the limit, you should report it because it looks suspicious.
Remember: Walmart does not expect you to investigate, just report.
Helpful Tips to Pass the CBL Quickly
Here are some tips that help Walmart employees pass the AML CBL test without stress:
- Take notes during the training – key phrases and steps may appear in the quiz.
- Pay attention to examples – many questions are based on them.
- Don’t rush – read each question carefully.
- Think like a rule-follower – the correct answer is usually the safest and most legal.
- Don’t guess blindly – use common sense if you’re unsure.
Also, avoid distractions. Complete the test in a quiet place, and don’t skip anything in the training slides—some answers are hidden in the fine details.
What Happens If You Fail the Test?
Failing the test can feel scary, but it’s not the end of the world. Walmart gives chances to learn and try again.
Do You Get Another Chance?
Yes! If you don’t pass the first time, you usually get a second try after some review. Walmart wants employees to understand the material, not just pass the quiz.
You may need to go through the training again before retaking it, but that’s helpful—more time to study means more confidence.
Does It Affect Your Job?
Failing once does not mean you’ll lose your job. However, if you ignore the test or keep failing without trying, it could be a problem. Completing training is part of your responsibilities at Walmart.
Managers will help you if you’re having trouble. So, don’t panic—just learn, ask questions, and do your best.
Real Examples That Help You Understand More
Let’s say a man comes in daily to buy $2,000 in money orders with cash. He wears a hoodie, avoids eye contact, and says he lost his ID. You report it. That’s the right thing to do!
Or another example: A customer tells you they’re buying gift cards for “someone in Nigeria” and paying in cash. Sounds fishy, right? You report that too.
These are the kinds of stories in the training, so pay attention to what feels “off.” Trust your gut, follow the steps, and you’ll pass.
What Employees Say About the Test
Many Walmart employees say the AML CBL test is not hard if you pay attention. Most find the test fair and easy to understand. Some say it’s boring, but it only takes about 20 to 30 minutes.
Here are a few things workers have said:
- “It’s mostly common sense.”
- “Just follow what they teach you, and you’ll pass.”
- “I took notes and passed easily.”
Some people even take screenshots or write down answers to study. But the best way to pass is to understand the material—so you’re ready when real situations happen.
The Bottom Line
The Walmart Anti-Money Laundering CBL test is a simple but important part of your job. It helps you spot illegal activity, follow the law, and keep Walmart a safe place for everyone. You don’t need to be a lawyer or detective—just follow the training, think clearly, and report anything that feels wrong.
