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ACAMS CAMS7 Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Building and Managing Anti-Financial Crime Compliance Programs	28%	- Training, awareness and internal communication - Customer due diligence and know-your-customer 1. politically exposed persons and high-risk clients 2. CDD, EDD, beneficial ownership identification - Monitoring, reporting and record keeping 1. Legal record retention requirements 2. Transaction monitoring and alert management 3. Suspicious activity reporting (SAR/STR) - Audit, testing and continuous improvement - Program framework and policies 1. Policies, procedures and controls design 2. Risk assessment and risk-based approach
Topic 2: Understanding Risks and Methods of Financial Crime	26%	- Sanctions regimes and compliance risks 1. Risk identification and mitigation 2. UN, EU, OFAC frameworks - Money laundering stages and techniques 1. Placement, layering, integration 2. Methods across financial sectors and businesses - Terrorism financing and proliferation financing 1. Distinctions from money laundering 2. Sources and mechanisms - Financial crime risks and consequences 1. Institutional, individual, economic and social impacts
Topic 3: Global Anti-Financial Crime Frameworks, Governance and Regulations	24%	- Governance, accountability and ethics 1. Ethical obligations and professional standards 2. Roles of board, senior management and compliance function - Regional and national regulations 1. EU AML Directives 2. USA PATRIOT Act and extraterritorial laws - International standards and bodies 1. FATF 40 Recommendations 2. Basel Committee, Wolfsberg Group, UN conventions
Topic 4: Tools, Technologies and Investigations	22%	- Technology and systems 1. Monitoring systems, screening tools, data analytics 2. Cryptoasset and virtual asset compliance - Investigation processes and evidence handling 1. Case management and escalation 2. Cooperation with authorities and information sharing - Remediation and response 1. Corrective actions and regulatory engagement

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最新的 CAMS Certification CAMS7 免費考試真題 (Q92-Q97):

問題 #92
A financial institution's US Branch receives a subpoena from law enforcement requesting detailed records of a customer's account activity. The customer is part of an ongoing investigation into a money laundering operation. At the same time, the institution has received a FinCEN 314(b) information-sharing request from another bank seeking details on transactions linked to the same customer. The compliance team is tasked with responding to both the subpoena and the FinCEN
314(b) request. What should the compliance officer prioritize in responding to these requests while ensuring that all legal and regulatory obligations are met?

A. Notify the customer of the information-sharing request from the other financial institution and seek their consent before responding
B. Consult the institution's legal counsel to validate the subpoena, then respond directly to law enforcement while ensuring all documentation is properly recorded
C. Provide the requested records to both law enforcement and the other financial institution immediately to ensure full cooperation and transparency
D. Respond to the FinCEN 314(b) request first, as it allows for voluntary information sharing with partner organizations

答案：B

解題說明：
B: When a subpoena is received, the institution should first consult with legal counsel to ensure the validity and scope of the subpoena. Compliance with law enforcement requests is mandatory and subject to strict legal obligations. All documentation and responses should be properly recorded.
"A subpoena requires a legal response; consult legal counsel to validate the request and respond as required by law." FinCEN 314(b) information-sharing requests are voluntary and can proceed only after fulfilling required legal steps, such as verifying membership in the program and ensuring information- sharing agreements are in place.
CAMS 6th Edition clarifies that "under no circumstances should a customer be notified of a law enforcement inquiry or subpoena."

問題 #93
According to guidelines issued by Basel Committee on Banking Supervision relating to corporate governance principles for banks, what is the role of the board of directors in addressing an institution's AML oversight and governance?

A. The compliance function must have sufficient authority, stature, independence, and resources to be effective on its own and should not have access to the board of directors.
B. The compliance function should report directly to the CEO concerning the bank's compliance with applicable laws, rules, and standards and only update the board of directors on the bank's efforts in managing compliance risk when required.
C. The board of directors should be responsible for overseeing the management of the bank's compliance risk but not involved in establishing a compliance policy that explains the processes by which compliance risks are to be identified and managed throughout the organization.
D. The board of directors should establish a compliance function and approve the bank's policies for identifying, assessing, monitoring, reporting, and advising on compliance risk.

答案：D

解題說明：
The Basel Committee on Banking Supervision (BCBS) requires that the board of directors establish and oversee the compliance function and approve the bank's AML/CTF compliance policies and procedures, including processes for identifying, assessing, monitoring, and reporting compliance risks.
"The board of directors should establish a compliance function and approve compliance policies and processes for identifying, assessing, monitoring, and reporting compliance risks throughout the organization."

問題 #94
Which risk factors should a financial institution (FI) examine for a new corporate customer intending to open a new bank account? (Select Three.)

A. The type of business the corporate customer is engaged in
B. The identity of senior managing officials and all individuals authorized to operate the account
C. The country or location where the customer is from or conducts business
D. The employment profiles and information of all employees of the new customer
E. All the financial institutions where the new customer currently banks or banked previously

答案：A,B,C

問題 #95
The compliance department of a casino is reviewing recent transactions and has identified activities that may require further scrutiny. Which transaction would require further investigation?

A. A group of tourists who buy chips with credit cards and engage in high-stakes games before cashing out
B. A patron who regularly visits the casino, deposits small amounts of cash, and consistently requests to cash out winnings in high-value checks
C. A player who purchases USD 50,000 in chips using a combination of cash and a wire transfer from an international account, does not gamble, and then cashes out
D. An occasional visitor who plays low-stakes games using a prepaid debit card linked to a foreign account

答案：C

解題說明：
Casinos are recognized as high-risk entities under AML/CFT frameworks due to their exposure to large cash volumes and convertible instruments such as chips. Regulators and FATF guidance highlight minimal or no gaming activity combined with rapid cash-out as a major red flag.
In this scenario, the player purchases a large amount of chips using multiple funding methods, including an international wire transfer, does not engage in any gambling, and then immediately cashes out. This behavior is consistent with placement and layering techniques, where a casino is used as a pass-through to legitimize illicit funds.
The absence of gaming activity strongly suggests that the intent was not entertainment but financial manipulation. Casinos are frequently misused for this exact purpose due to their ability to convert cash into "winnings." The other scenarios describe activity that may be higher risk but are consistent with legitimate casino behavior when properly documented.

問題 #96
Public-private partnerships (PPPs) that involve the sharing of information between law enforcement authorities, Financial Intelligence Units (FIUs), and the private sector are established to: (Select Two.)

A. Exchange strategic information between financial institutions
B. Create a common database of key information and share analysis of suspicious activities with FATF
C. Exchange operational information between public authorities and obliged entities
D. Exchange strategic information between FIUs and obliged entities

答案：C,D

解題說明：
Public-Private Partnerships (PPPs)are collaborative initiatives involvinglaw enforcement, FIUs, and financial institutions. Their objective is to improve theefficiency and effectivenessof the fight against money laundering, terrorist financing, and other financial crimes bysharing both operational and strategic intelligence.
Option A - Exchange operational information between public authorities and obliged entities:
PPPs often facilitate real-time or near-real-time information sharing that supportsspecific investigations and the detection of suspicious activity, helping financial institutions respond quickly and accurately to ongoing threats.
Option B - Exchange strategic information between FIUs and obliged entities:
Strategic-level intelligence sharing helps financial institutionsunderstand typologies, risk trends, and evolving criminal methods, thereby strengthening their risk assessments and transaction monitoring frameworks.
Option Cis incorrect: Strategic information exchange between private institutions is limited and heavily regulated.
Option Dis incorrect: FATF does not collect or manage databases of suspicious activity reports; it sets standards and reviews national frameworks.
Reference: ACAMS CAMS Study Guide - 6th Edition, Chapter:Public-Private Partnerships and Information Sharing- Section:Purpose and Function of PPPs in AML/CFT

問題 #97
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CAMS7最新題庫資源 - CAMS7題庫

ACAMS CAMS7 Exam Syllabus Topics:

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最新的 CAMS Certification CAMS7 免費考試真題 (Q92-Q97):