CAMS7 Musterprüfungsfragen - CAMS7Zertifizierung & CAMS7Testfagen

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ACAMS CAMS7 Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Building an AFC Compliance Program
Topic 2: Global AFC Frameworks, Governance and Regulations		- AML Regulatory Framework (Elective options: Canada, EU, UK, USA)
Topic 3: Understanding Risks and Methods of Financial Crime	30%	- Financial Crime Risks related to gatekeepers - Financial Crime Risks related to gaming and gambling - Financial Crime Risks related to products within other financial sectors - Financial Crime Risks related to insurance products - Financial Crime Risks related to Politically Exposed Persons (PEPs) and high-risk customers - Financial Crime Risks related to trusts and company service providers - Financial Crime Risks related to VASPs, cryptoassets, and related products - Financial Crime Risks related to real estate - Financial Crime Risks related to MSBs, PSPs, and ecommerce platforms
Topic 4: Tools and Technologies to Fight Financial Crime

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CAMS7 Übungsmaterialien, CAMS7 Buch

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ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) CAMS7 Prüfungsfragen mit Lösungen (Q20-Q25):

20. Frage
A bank notices inconsistent flagging of blockchain transactions due to the lack of standardized payment message formats.
What feature should be prioritized in the transaction screening tool to address this issue?

A. Rule-based systems focusing only on known wallet addresses
B. Integration with blockchain analytics providers
C. Periodic manual review of blockchain-related transactions
D. Enhanced sanctions screening for traditional payment messages

Antwort: B

Begründung:
Blockchain transactions differ fundamentally from traditional payments because they lack standardized messaging formats such as SWIFT MT or ISO 20022. As a result, conventional screening tools may struggle to consistently detect risks.
Integration with blockchain analytics providers allows institutions to enrich raw blockchain data with contextual intelligence, including wallet attribution, transaction flows, exposure to illicit services, sanctions- linked wallets, and typologies such as mixers and tumblers.
This integration enhances consistency, improves risk detection, and supports sanctions and AML obligations specific to virtual assets. Manual review is not scalable, and focusing only on known wallet addresses creates blind spots. Enhancing traditional payment screening does not address blockchain-specific challenges.

21. Frage
An AML compliance officer receives an independent audit report with a number of findings.
An appropriate response to the report would include:

A. Defining remedial actions based on the findings' root cause analysis
B. Drafting detailed action plans for the audit team to execute to close the findings
C. Reperforming the testing for the controls mentioned in the findings to confirm the results of the audit
D. Assigning responsibility for reviewing the action plan to the board of directors

Antwort: A

22. Frage
A compliance officer is developing management reporting information to provide leadership with insights into the financial crime risk related to an institution's customer population. Which of the following is a key risk indicator to include in the reporting to allow leadership to monitor whether there are any key changes to the inherent risk of the customer population? (Choose two.)

A. Number and percentage of senior politically exposed persons (PEPs) who were onboarded in the past quarter compared to all active customers
B. Percentage of customers for whom onboarding verification was not completed within KYC policy service-level agreement (SLA) requirements
C. Percentage of regulatory reports for high-risk customers not completed within the required regulatory deadlines
D. Percentage change of transaction monitoring alerts escalated for investigation compared to the previous quarter

Antwort: A,D

Begründung:
Percentage change in transaction monitoring alerts escalated for investigation and number/percentage of senior PEPs onboarded are key risk indicators that can highlight shifts in the inherent risk profile of the customer base, enabling leadership to proactively address emerging financial crime risks.

23. Frage
A real estate buyer purchases multiple high-value properties in cash through a series of transactions in a short period of time and without any clear economic justification.
Which of the following is the most likely money laundering risk associated with this behavior in the real estate sector?

A. The buyer is capitalizing on favorable market conditions and using cash purchases to outbid competitors in a competitive real estate market using insider information.
B. The buyer is quickly diversifying their investment portfolio through structuring payments in order to take advantage of the liquidity of cash transactions in real estate.
C. The buyer is using high-value real estate transactions to obscure the origin of the funds.
D. The buyer is a real estate developer acquiring multiple properties for a potential redevelopment project with a business partner located in a high-risk jurisdiction.

Antwort: C

Begründung:
A: The purchase of high-value real estate using cash in multiple transactions-especially without clear economic justification-is a classic money laundering typology. The goal is typically to integrate illicit funds into the legitimate economy and obscure their origin.
"Large cash purchases of property without an obvious economic rationale are a significant red flag for money laundering in the real estate sector." This typology is highlighted in CAMS 6th Edition and the FATF's guidance on real estate ML/TF risks.
References:
CAMS 6th Edition, Real Estate and ML Typologies
FATF, Money Laundering and Terrorist Financing through the Real Estate Sector

24. Frage
A compliance officer at a large bank has been tasked with investigating a series of unusual transactions involving a long-time customer. The customer has made several large cash deposits into multiple accounts within a short period, raising red flags. After gathering and analyzing transaction data, reviewing customer records, and cross-referencing external sources, the compliance officer determines that there is a reasonable suspicion of money laundering. As part of documenting this investigation, the compliance officer must decide how and when to escalate the matter internally and whether to file a suspicious activity report (SAR).
What is the next critical step in this process?

A. Report the investigation to external auditors and await further guidance before taking any action.
B. Immediately escalate the case to senior management, recommending the closure of the customer's accounts due to potential reputational risk.
C. Draft a SAR that includes a detailed chronology of the transactions, customer background and the rationale for suspicion, and submit it to the relevant financial intelligence unit (FIU) within the regulatory timelines.
D. Document the customer's transaction history and keep the investigation confidential until further suspicious activity is detected.

Antwort: C

Begründung:
Once there is reasonable suspicion of money laundering, the next critical step is to draft and file a suspicious activity report (SAR) with the relevant financial intelligence unit within the required regulatory timeframe.
The SAR should contain a clear chronology of transactions, relevant customer details, and the rationale for suspicion to support potential investigation by authorities.

25. Frage
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