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ACAMS CAMS7 Exam Syllabus Topics:

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

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최신 CAMS Certification CAMS7 무료샘플문제 (Q138-Q143):

질문 # 138
The financial industry relies heavily on rules-based approaches to transaction monitoring to detect suspicious activities.
Scenario-based systems use technology and algorithms to identify: (Choose three.)

A. anomalies involving a transaction that occurs in a location far away from the customer's usual spending patterns.
B. fraudulent identities involving stolen or manufactured identification.
C. hidden beneficial owners.
D. suspicious behavior involving a transaction that occurs at an unusual time of day.
E. transaction patterns involving transactions that exceed a certain dollar amount.

정답：A,D,E

설명：
Scenario-based systems use algorithms to detect suspicious behaviors, such as transactions occurring at unusual times, those exceeding specified thresholds, or those taking place in locations inconsistent with a customer's typical activity. These anomalies help identify potential financial crime risks.

질문 # 139
Having a risk-based approach is central to a financial institution understanding the money laundering and terrorist financing risk to which they are exposed. The development of a money laundering and terrorist financing risk assessment is a key starting point.
Commonly used risk factors include. (Select Three.)

A. liquidity risk.
B. product risk.
C. credit risk.
D. geographic risk.
E. customer risk.

정답：B,D,E

설명：
The CAMS 6th Edition clearly identifies a risk-based approach as the cornerstone of effective AML/CFT programs. Risk assessments should consider various risk factors that directly influence exposure to ML/TF.
Product risk (A): Certain products or services may present higher ML/TF risks, such as private banking, correspondent banking, or cash-intensive products."Products and services offered, and their inherent risk levels, must be assessed as part of the risk-based approach."(CAMS 6th Edition, AML Compliance Program, Risk Assessment) Geographic risk (C): Jurisdictions where the customer operates or where transactions are conducted may present higher or lower risks due to factors such as weak AML regulations or high corruption."Geographic risk considers where a customer is located and/or where transactions occur, referencing countries with increased risk, such as those identified by the FATF."(CAMS 6th Edition, Risk Assessment Factors) Customer risk (D): The type of customer, such as PEPs, non-residents, or companies with complex structures, may present higher ML/TF risks."Customer risk assessment is based on the customer's profile, activity, and ownership structure, and is a critical component in risk-based monitoring."(CAMS 6th Edition, CDD/EDD) Incorrect Options:
B (Credit risk): Related to creditworthiness, not ML/TF.
E (Liquidity risk): Refers to a firm's ability to meet financial obligations; not an AML risk factor.
References:
CAMS Study Guide 6th Edition, AML Compliance Program, "Risk-Based Approach" FATF Guidance: National Money Laundering and Terrorist Financing Risk Assessment (2013)

질문 # 140
Which measures help ensure that the name screening process is effective in identifying potential risk? (Select Three.)

A. Conduct a risk assessment to determine which data attributes to screen, screening frequency, and database selection
B. Identify the most commonly used name screening database in the industry
C. Assign a designated person to ensure consistent implementation of screening controls
D. Conduct regular testing to validate that the screening system is performing as expected
E. Define in policies and procedures the screening scope, frequency, and alert adjudication process

정답：A,D,E

설명：
An effective name screening process is a critical component of sanctions and AML compliance.
Regulators expect financial institutions to implement strong governance, risk-based design, and ongoing validation.
Clearly defining the screening scope, frequency, and alert adjudication procedures in policies ensures consistency, transparency, and accountability across the organization.
Conducting a risk assessment allows institutions to make informed, proportionate decisions on which data attributes to screen (e.g., names, aliases, addresses), how frequently to screen, and which databases to use. This aligns with the risk-based approach.
Regular testing and validation ensure that screening systems continue to perform as intended, detect true matches, and minimize false positives or missed hits.
Selecting the most popular database or assigning a single individual for control ownership does not ensure effectiveness and may introduce governance risk.

질문 # 141
During which process must a country demonstrate to the Financial Action Task Force (FATF) that it has an effective framework to protect the financial system from abuse?

A. Mutual evaluation
B. Regulatory overview
C. Technical analysis
D. Formal assessment

정답：A

설명：
In a mutual evaluation, a country must demonstrate to the FATF that it has an effective framework to protect its financial system from abuse. This process assesses both technical compliance with FATF Recommendations and the effectiveness of the country's AML/CFT measures.

질문 # 142
An AML analyst at a bank is investigating cases triggered by transaction monitoring alerts.
Which circumstances might cause the analyst to suspect a case involves terrorist financing? (Select Two.)

A. Transactions involving structured currency deposits below the reporting threshold to avoid paying taxes
B. Transactions involving non-profit organizations with no internet presence
C. Small dollar payments sent to higher-risk jurisdictions with no prior history
D. Small dollar payments sent to crowdfunding initiatives with detailed descriptions of the project being financed
E. Transactions involving domestic non-profit organizations providing charitable aid to refugees from higher-risk countries

정답：B,C

질문 # 143
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