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ACAMS CAMS7 Exam Syllabus Topics:

Section	Weight	Objectives
Risk Management and Due Diligence	25%	- Customer Due Diligence (CDD/KYC) 1. Enhanced due diligence (EDD) 2. Customer identification programs (CIP) - Transaction monitoring and reporting 1. Suspicious Activity Reports (SAR/STR) 2. Monitoring systems and typologies
AML Compliance Framework	25%	- Roles and responsibilities 1. Compliance officer duties 2. Governance and oversight - Compliance program components 1. Policies and procedures 2. Internal controls
Money Laundering and Terrorist Financing Concepts	30%	- Global AML/CFT standards 1. FATF Recommendations 2. International regulatory frameworks - Definitions and stages of money laundering 1. Placement, layering, integration 2. Terrorist financing typologies
Detecting and Preventing Financial Crime	20%	- Investigations and enforcement 1. Case management and documentation 2. Regulatory investigations - Financial crime typologies 1. Trade-based money laundering 2. Fraud and corruption schemes

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ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) Sample Questions (Q204-Q209):

NEW QUESTION # 204
Which of the following scenarios exhibit classic indicators of suspicious transactions? (Select Two.)

A. An individual wants to execute wire transfers to a person in a FATF grey-listed jurisdiction and asks a close friend to send the money on his behalf, citing financial difficulties
B. An individual regularly imports sophisticated electronic items for civil use and pays all applicable customs duties
C. A customer regularly invests in equity funds using her spouse's bank account where she is a second account holder
D. A business owner mortgages his home with a financial institution that was recently fined for AML violations
E. An individual who is the secretary to a government official frequently accesses the bank's safe deposit vault to withdraw cash

Answer: A,E

Explanation:
Classic indicators of suspicious activity often involve use of proxies, unusual cash access, or attempts to avoid scrutiny, as highlighted in FATF and FIU guidance.
Frequent access to a safe deposit vault to withdraw cash by a person closely associated with a government official raises heightened concern. Such behavior may indicate attempts to conceal illicit funds, particularly given the potential exposure to corruption risk associated with politically exposed persons (PEPs) and their close associates.
Similarly, requesting a third party to execute wire transfers on one's behalf to a FATF grey-listed jurisdiction is a well-recognized red flag. This behavior suggests an attempt to evade transaction monitoring, sanctions screening, or enhanced due diligence requirements by distancing oneself from the transaction.
The remaining scenarios describe activities that are either legitimate or explainable with proper documentation and transparency. Merely dealing with an institution previously fined for AML violations or conducting legitimate trade with customs compliance does not, on its own, constitute suspicious activity.

NEW QUESTION # 205
The transaction monitoring system of a bank generated an alert for a car wash client. After making large cash deposits, the client orders international wire transfers.
Which additional circumstances would make the case more suspicious?

A. The wire transfers are for different amounts but with the same beneficiary
B. The beneficiary of the wire transfer is a resident of a grey-list country
C. The beneficiary of the wire transfers is a foreign company whose shareholders and director are other companies
D. The beneficiary of the wire transfers is a resident of a foreign country bearing the same family name as the business owner

Answer: C

Explanation:
The suspicion increases when the beneficiary is a foreign company whose shareholders and director are other companies, as this can indicate the use of layered corporate structures to obscure the ultimate beneficial owner and conceal illicit fund flows.

NEW QUESTION # 206
A bank has been fined for failing to take reasonable care to establish and maintain effective systems and controls for high-risk customers, including politically exposed persons (PEPs).
Which typical financial crime risks should the bank have addressed? (Choose three.)

A. Gathering sufficient information to establish the source of funds and source of wealth
B. Ensuring that resources in its compliance and AML areas kept pace with the bank's growth
C. Assessing and reviewing the minutes of the relevant committee responsible for onboarding customers
D. Ensuring an employee is responsible for liaison with the authorities on matters related to countering the finance of terrorism
E. Assessing the level of money laundering risk posed by prospective and existing high-risk customers

Answer: A,B,E

Explanation:
For high-risk customers, including PEPs, the bank should have gathered adequate information on the source of funds and wealth, assessed the money laundering risk of each customer, and ensured compliance and AML resources scaled with business growth to maintain effective systems and controls.

NEW QUESTION # 207
Which of the following indicators of potentially suspicious activity are commonly associated with high- risk business sectors and structures such as shell companies? (Select Three.)

A. Insufficient or no information is available to identify originators or beneficiaries of funds transfers through searches or direct inquiries
B. All payments are in smaller amounts below reporting thresholds but are high when aggregated while still being consistent with standard business practices
C. Payments have no stated purpose, do not reference goods or services, or only reference a contract or invoice number
D. A company regularly conducts large-volume transactions in a medium-risk jurisdiction with longstanding business partners and provides complete documentation and audit trails
E. Knowing the goods or services, if identified, do not match the profile of the company or the nature of the financial activity

Answer: A,C,E

Explanation:
Shell companies and other high-risk business structures are commonly associated with money laundering schemes designed to obscure ownership and transaction purpose. FATF guidance identifies several red flags indicative of such misuse.
A mismatch between goods or services and the company's stated business profile suggests fictitious or manipulated transactions. Insufficient information on originators or beneficiaries of funds transfers further increases suspicion, as transparency is a core AML requirement. Additionally, payments lacking a clear purpose or meaningful description may indicate layering or attempts to conceal illicit activity.
Conversely, well-documented transactions with established partners and legitimate audit trails are indicators of lower risk. While structuring below reporting thresholds can be suspicious, it must also be inconsistent with standard business practices to qualify as a red flag.

NEW QUESTION # 208
Which document BEST helps identify the true beneficial owner of a legal entity customer?

A. Beneficial ownership declaration
B. Certificate of incorporation alone
C. Utility bill
D. ATM transaction history

Answer: A

Explanation:
Beneficial ownership declarations identify individuals who ultimately own or control a legal entity.
This information is essential because criminals frequently use shell companies or layered ownership structures to obscure illicit activity. Relying solely on incorporation documents may not reveal the individuals exercising effective control over the entity.

NEW QUESTION # 209
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