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ACAMS CAMS7 Exam Syllabus Topics:

SectionWeightObjectives
Understanding Risks and Methods of Financial Crime26%- Money laundering stages and techniques
  • 1. Methods across financial sectors and businesses
  • 2. Placement, layering, integration
- Financial crime risks and consequences
  • 1. Institutional, individual, economic and social impacts
- Sanctions regimes and compliance risks
  • 1. Risk identification and mitigation
  • 2. UN, EU, OFAC frameworks
- Terrorism financing and proliferation financing
  • 1. Sources and mechanisms
  • 2. Distinctions from money laundering
Global Anti-Financial Crime Frameworks, Governance and Regulations24%- Governance, accountability and ethics
  • 1. Ethical obligations and professional standards
  • 2. Roles of board, senior management and compliance function
- International standards and bodies
  • 1. Basel Committee, Wolfsberg Group, UN conventions
  • 2. FATF 40 Recommendations
- Regional and national regulations
  • 1. USA PATRIOT Act and extraterritorial laws
  • 2. EU AML Directives
Building and Managing Anti-Financial Crime Compliance Programs28%- Monitoring, reporting and record keeping
  • 1. Suspicious activity reporting (SAR/STR)
  • 2. Transaction monitoring and alert management
  • 3. Legal record retention requirements
- Training, awareness and internal communication
- Program framework and policies
  • 1. Policies, procedures and controls design
  • 2. Risk assessment and risk-based approach
- Audit, testing and continuous improvement
- Customer due diligence and know-your-customer
  • 1. CDD, EDD, beneficial ownership identification
  • 2. politically exposed persons and high-risk clients
Tools, Technologies and Investigations22%- Remediation and response
  • 1. Corrective actions and regulatory engagement
- Investigation processes and evidence handling
  • 1. Case management and escalation
  • 2. Cooperation with authorities and information sharing
- Technology and systems
  • 1. Monitoring systems, screening tools, data analytics
  • 2. Cryptoasset and virtual asset compliance

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ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) Sample Questions (Q99-Q104):

NEW QUESTION # 99
An insurance company receives an application for a high-value life insurance policy from a new non- resident client. The payout instruction is linked to an offshore trust in another jurisdiction to which the client has no obvious connection. The client insists on paying premiums via multiple transactions to "avoid bank charges." The client is reportedly unemployed with minimal assets, which is inconsistent with the policy value. Which financial crime risk should the insurance company be most concerned with?

Answer: D

Explanation:
This scenario presents multiple classic money laundering red flags, particularly within the life insurance sector, which is recognized by FATF as vulnerable to misuse due to its investment and payout features.
The use of an offshore trust in a jurisdiction with no clear link to the customer raises concerns about concealment of beneficial ownership and layering. Criminals frequently use trusts and offshore structures to obscure the origin and destination of illicit funds.
The client's request to split premium payments into multiple transactions to avoid bank charges is indicative of structuring, a known money laundering technique used to evade monitoring and reporting thresholds.
Furthermore, the lack of a legitimate source of wealth or income consistent with the high-value policy is a significant red flag. Purchasing high-value insurance products with no apparent financial means is a common placement method for laundering illicit proceeds.
While fraud or sanctions evasion could be relevant in other contexts, the combination of structuring, unexplained wealth, offshore structures, and non-residency most strongly indicates money laundering risk.


NEW QUESTION # 100
Which AML control is MOST effective in identifying unusual transaction patterns automatically?

Answer: C

Explanation:
Automated transaction monitoring systems analyze large volumes of customer activity to detect anomalies, patterns, and suspicious behaviors. Effective systems use rules, scenarios, and risk indicators to identify potential money laundering or terrorist financing activity for further investigation by compliance staff.


NEW QUESTION # 101
What are the common financial crime risks posed to the e-commerce business model? (Select Three.)

Answer: C,D,E

Explanation:
E-commerce business models are exposed to several financial crime risks that are clearly identified in Anti-Money Laundering (AML) and Counter-Terrorist Financing (CFT) regulatory guidance, including publications from the Financial Action Task Force (FATF) and national supervisory authorities.
One key risk is the use of stolen bank card or payment data to purchase goods or services online.
E-commerce platforms are particularly vulnerable to card-not-present fraud, where criminals exploit remote payment channels to generate illicit proceeds.
Another common risk is fraud against customers through non-delivery of goods or services. In these cases, fraudulent merchants accept payments without any intention of fulfilling orders. This form of consumer fraud is recognized as a predicate offense to money laundering under AML frameworks.
Additionally, online marketplaces may be abused to move or disguise criminally obtained funds.
Criminals may conduct fake transactions, self-purchases, or repeatedly buy and resell goods to legitimize illicit funds. This activity aligns with recognized typologies such as transaction laundering and trade-based money laundering.
Although export control evasion and bribery and corruption are serious financial crimes, they are not typically considered common or inherent financial crime risks specific to standard e- commerce business models in AML/CFT guidance.


NEW QUESTION # 102
The goal of the Egmont Group of Financial Intelligence Units (FIUs) is to provide a forum for FIUs to: (Select Three.)

Answer: B,C,E


NEW QUESTION # 103
What are the rules imposed by the Office of Foreign Assets Control (OFAC) for legal entities and persons related to the US? (Select Two.)

Answer: A,C


NEW QUESTION # 104
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