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ACAMS CAMS7 Exam Syllabus Topics:

Section	Weight	Objectives
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%	- Financial crime typologies 1. Trade-based money laundering 2. Fraud and corruption schemes - Investigations and enforcement 1. Case management and documentation 2. Regulatory investigations
AML Compliance Framework	25%	- Roles and responsibilities 1. Governance and oversight 2. Compliance officer duties - Compliance program components 1. Internal controls 2. Policies and procedures
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. Monitoring systems and typologies 2. Suspicious Activity Reports (SAR/STR)

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ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) CAMS7 Prüfungsfragen mit Lösungen (Q183-Q188):

183. Frage
Which of the below would be relevant money laundering red flags for life insurance companies? (Select Two.)

A. Natural persons having more than one insurance policy
B. Regularly switching policies and accepting penalties
C. Paying premium several years in advance and terminating early for a refund
D. Beneficiary payouts to elderly people
E. High-premium life insurances that provide high payouts

Antwort: B,C

Begründung:
* Paying premium several years in advance and terminating early for a refund (A):"A typical red flag is when a policyholder pays large premiums up front and then seeks early termination to receive a refund.
This can be used to launder illicit funds by integrating them into the financial system and then retrieving 'clean' money."(CAMS 6th Edition, Life Insurance ML/TF Risks; FATF Guidance for a Risk-Based Approach for the Life Insurance Sector)
* Regularly switching policies and accepting penalties (D):"Frequent changes in insurance policies or products, even at a financial loss, are considered suspicious. This may indicate an attempt to obscure the money trail or integrate illicit proceeds."(CAMS 6th Edition, ML/TF Red Flags in Life Insurance) Incorrect Options:
* B: Having multiple policies is common and not itself a red flag.
* C: High premiums/payouts are not inherently suspicious.
* E: Beneficiary payouts to elderly people are not ML/TF red flags.
References:
CAMS 6th Edition, Life Insurance Red Flags
FATF Guidance for a Risk-Based Approach for the Life Insurance Sector

184. Frage
Which of the following is a common strategy employed by non-governmental organizations (NGOs) to combat money laundering?

A. Providing financial assistance to governments to strengthen their anti-money laundering efforts
B. Directly prosecuting money launderers in court
C. Raising awareness about the issue of money laundering and its consequences
D. Helping Financial Intelligence Units (FIUs) to analyze the suspicious activity reports (SARs)

Antwort: C

Begründung:
D: NGOs play an important role in raising awareness about money laundering, lobbying for strong AML/CFT laws, and educating the public and stakeholders about the risks and consequences.
"NGOs help combat money laundering primarily through advocacy, education, and raising public and industry awareness."(CAMS 6th Edition, Role of NGOs in AML/CFT) References:
CAMS 6th Edition, Awareness and Advocacy in AML/CFT
FATF, Outreach to NGOs

185. Frage
While gaming platforms are typically used for recreational purposes, they can potentially be used for terrorist financing through games in which players can:

A. trade in-game items with other players that can be exchanged for fiat currency
B. buy in-game items with virtual in-game currencies.
C. exchange in-game items with other players.
D. obtain in-game materials by performing in-game activities.

Antwort: A

Begründung:
Terrorist financing can be facilitated on gaming platforms particularly through the trading of in- game items for fiat currency. This mechanism allows for the movement of value outside the formal financial system, potentially evading detection and reporting requirements.
"One of the key ML/TF risks in online gaming is the ability to convert virtual assets or in-game items into real-world (fiat) currency, thereby providing a channel for laundering money or funding terrorist activities."

186. Frage
A compliance officer at a U.S. financial institution receives a grand jury subpoena requesting customer records related to an ongoing money laundering investigation involving a politically exposed person (PEP). What should the compliance officer do first?

A. Notify the customer and seek consent
B. Immediately provide records to the grand jury
C. Consult with the institution's legal counsel to assess validity and determine the appropriate response
D. File a Suspicious Activity Report (SAR) describing receipt of the subpoena

Antwort: C

Begründung:
When a financial institution receives a grand jury subpoena, it is legally compelled to respond, but must do so in a controlled, lawful, and coordinated manner.
The first step is to consult with legal counsel to verify the subpoena's validity, scope, deadlines, and confidentiality requirements. Legal counsel ensures the institution responds accurately, protects privileged information, and complies with applicable laws.
Notifying the customer would constitute tipping off, which is prohibited. Immediate disclosure without legal review may result in over-disclosure or violation of customer privacy laws. Filing a SAR may be appropriate depending on the facts, but it is not the first step and must not reference the subpoena.
This approach aligns with U.S. AML, BSA, and law enforcement cooperation requirements.

187. Frage
In which of the following scenarios should the customer be deemed to have an overly complex ownership structure?

A. A customer that is owned by two families with the involvement of over a dozen owners within the families
B. A privately held company owned by two individuals whose interests are held by a series of trusts and foundations
C. A trust set up with two co-trustees, one of whom is the grantor and the other is a corporate service provider
D. A multinational correspondent bank that has three layers of ownership between it and a publicly traded bank holding company

Antwort: B

Begründung:
AML/CFT guidance from FATF emphasizes that overly complex ownership structures are a key red flag when they appear unnecessary for legitimate business purposes and may be designed to obscure beneficial ownership.
A privately held company owned by two individuals whose interests are held through multiple layers of trusts and foundations represents an unnecessarily complex structure. Trusts and foundations are frequently identified in AML typologies as vehicles that can be misused to conceal the true beneficial owners, especially when layered without clear commercial rationale.
This complexity increases the risk of money laundering and necessitates enhanced due diligence.
By contrast, a trust with two co-trustees, including the grantor and a professional service provider, is common and not inherently complex. Similarly, family-owned businesses with many shareholders may be complex but are not automatically deemed "overly complex" if ownership is transparent. Multinational banks with layered ownership tied to a publicly traded holding company are also common and subject to regulatory oversight.
Therefore, the use of multiple trusts and foundations without clear justification is the clearest indicator of an overly complex ownership structure.

188. Frage
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