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ACAMS CAMS7 Exam Syllabus Topics:

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

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ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) Sample Questions (Q251-Q256):

NEW QUESTION # 251
A compliance officer at a financial institution has completed an investigation into a high-risk customer's activities and determined that there are strong indications of money laundering. The compliance officer has documented their findings and is ready to recommend offboarding the customer. However, the relationship manager responsible for the customer is resistant to the idea, citing the customer's significant revenue contribution to the institution.
What should the compliance officer do next to ensure the appropriate escalation and decision-making process is followed?

A. Escalate the matter to the institution's high-risk client committee, presenting the investigation findings and recommending offboarding while also acknowledging the relationship manager's concerns
B. Delay the offboarding decision and continue monitoring the customer's activities, waiting for further evidence to solidify the case for termination
C. Attempt to persuade the relationship manager to agree with the offboarding recommendation by highlighting the potential reputational and regulatory risks associated with maintaining the relationship
D. Proceed with offboarding the customer unilaterally based on their investigation findings and anti-money laundering (AML) concerns

Answer: A

Explanation:
In situations involving significant AML concerns, especially with high-risk clients, thecompliance officer must follow proper escalation procedureswithin the institution. The appropriate course of action is toescalate the matter to a senior governance body, such as ahigh-risk client committee, which is typically tasked with balancing AML risk against business considerations.
Unilateral offboarding (Option B)may violate internal protocols.
Persuading the relationship manager (Option C)bypasses formal governance.
Delaying action (Option D)risks further exposure to regulatory or reputational damage.
This escalation ensuresdocumented risk-based decision-makingand demonstrates to regulators that the institution appliesstructured and objective AML governance.
Reference: ACAMS CAMS Study Guide - 6th Edition, Chapter:Compliance Governance and Risk Escalation Processes- Section:Governance Structures for High-Risk Customers

NEW QUESTION # 252
Which of the following are potential financial crime-related red flags when obtaining client data? (Choose three.)

A. The ultimate beneficial ownership is unclear
B. A client insists on using a personal bank account for business transactions despite being advised otherwise
C. A client frequently submits financial statements much earlier than required appearing overly eager
D. The client is a publicly listed company but very diversified
E. A new client shows a preference for minimal direct interaction and relies primarily on indirect communication methods, citing convenience or time constraints

Answer: A,B,E

Explanation:
Red flags include using personal accounts for business transactions (which can obscure fund tracing), preferring minimal direct interaction (potentially avoiding scrutiny), and unclear ultimate beneficial ownership (which can conceal the true controllers of the entity and facilitate illicit activity).

NEW QUESTION # 253
Tax evasion is:

A. bending the rules to pay less tax than required.
B. not an important crime as it does not impact society.
C. a deliberate attempt not to pay the tax which is due or obliged.
D. a sophisticated process which always means the same as tax avoidance.

Answer: C

Explanation:
Tax evasion is the deliberate and illegal act of not paying taxes that are legally owed. It is a criminal offense that can have serious consequences, including penalties, fines, and imprisonment.

NEW QUESTION # 254
Challenges in the implementation of new technologies for AML/CFT include: (Select Four.)

A. data privacy.
B. data quality.
C. complexity.
D. enhanced due diligence (EDD) policies.
E. the Travel Rule.
F. regulatory.

Answer: A,B,C,E

Explanation:
Key challenges in adopting new AML/CFT technologies are:
A: Data privacy-new tech often requires processing more personal data, raising privacy/regulatory concerns.
C: The Travel Rule-meeting global standards for information sharing in payments is a technology challenge.
D: Data quality-effective systems rely on accurate, comprehensive, timely data.
E: Complexity-integrating and managing new technology can increase operational complexity.(CAMS 6th Edition, Technology in AML/CFT; FATF Guidance on Digital ID and Fintech) References:
CAMS 6th Edition, AML/CFT Technology and Implementation Challenges
FATF, "Opportunities and Challenges of New Technologies for AML/CFT" (2021)

NEW QUESTION # 255
Risks associated with real estate transactions include (Select Two.)

A. non-financed purchases.
B. paying true market price for a property.
C. purchases in the name of a natural person.
D. cross-border purchases.

Answer: A,D

Explanation:
Real estate transactions are vulnerable to ML/TF risks, particularly when there is limited transparency or unusual payment methods:
Cross-border purchases (A):"Purchases by foreign buyers, especially from high-risk jurisdictions, are a red flag for money laundering in the real estate sector."(CAMS 6th Edition, Real Estate Money Laundering Risks; FATF, Money Laundering and Terrorist Financing through the Real Estate Sector, 2007) Non-financed purchases (D):"Non-financed (all-cash) purchases can indicate the introduction of illicit funds into the financial system, bypassing the controls of mortgage lenders."(CAMS 6th Edition, Real Estate ML
/TF Risks)
Incorrect Options:
B: Purchasing in the name of a natural person is standard and not inherently risky.
C: Paying the true market price does not raise ML/TF risk.
References:
CAMS 6th Edition, Chapter: ML/TF Risks in Real Estate
FATF, Money Laundering and Terrorist Financing through the Real Estate Sector (2007)

NEW QUESTION # 256
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