For complex solution, you would need to use XML logging:
https://winscp.net/eng/docs/guide_interpreting_xml_log

Simple solution would be to move all the files with the specific word to a different temporary remote folder, move the test files back, and download all remaining files in the temporary folder, moving them back to original folder if required.

I am currently pulling files from an ftp to use in an ssis package. At the moment I am using a wildcard to find the file as I know it will have a specific word in it. Unfortunately the company I am pulling these from also puts up test files with the same word in them and I am pulling test data. Is there a way to use an if like statement in order to determine if the word 'test' is in the filename and if so not download this file?