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ACAMS CAMS Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: AML/CFT Compliance Programs28%- Core elements of compliance programs
  • 1. Policies, procedures and controls
  • 2. Governance and oversight
  • 3. Risk assessment and management
- Customer due diligence requirements
  • 1. Ongoing monitoring
  • 2. Beneficial ownership identification
  • 3. KYC/CDD and enhanced due diligence
- Training, audit and independent review
  • 1. Internal and external audit functions
  • 2. Staff training programs
  • 3. Continuous improvement
- Reporting and record-keeping
  • 1. Suspicious activity reporting (SAR/STR)
  • 2. Record retention requirements
Topic 2: Risks and Methods of Money Laundering and Terrorist Financing26%- Money laundering stages and mechanisms
  • 1. Placement, layering, integration
  • 2. Terrorist financing methods
  • 3. Trade-based money laundering
- Sector-specific vulnerabilities
  • 1. Banking and deposit-taking institutions
  • 2. Precious metals and high-value goods
  • 3. Real estate
  • 4. Securities and capital markets
  • 5. Insurance sector
  • 6. Gaming and casinos
  • 7. Legal and professional service providers
  • 8. Money services businesses
- Sanctions and related risks
  • 1. Consequences of non-compliance
  • 2. UN, EU, OFAC and other sanctions regimes
Topic 3: Compliance Standards for AML/CFT25%- Global regulatory frameworks
  • 1. Wolfsberg Principles
  • 2. USA PATRIOT Act and national regulations
  • 3. EU AML Directives
  • 4. Basel Committee guidelines
  • 5. FATF 40 Recommendations
- Risk-based approach fundamentals
  • 1. Application across jurisdictions
  • 2. Principles of risk assessment
- International organizations and bodies
  • 1. Egmont Group of Financial Intelligence Units
  • 2. Financial Action Task Force
  • 3. Standard-setting bodies
Topic 4: Conducting and Responding to Investigations21%- Information sharing and cooperation
  • 1. Domestic and international cooperation
  • 2. Working with FIUs and law enforcement
- Investigation process and case management
  • 1. Case documentation and reporting
  • 2. Evidence gathering and analysis
- Disciplinary and remedial actions
  • 1. Preventing recurrence
  • 2. Corrective measures and sanctions
- Detection and red flags
  • 1. Industry-specific red flags
  • 2. Identifying suspicious activities and transactions

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ACAMS Certified Anti-Money Laundering Specialists (the 6th edition) Sample Questions (Q118-Q123):

NEW QUESTION # 118
Which two channels can be utilized during a cross-border money laundering investigation to assist in gathering information according to Financial Action Task Force? (Choose two.)

Answer: A,B


NEW QUESTION # 119
What are some red flags financial institutions should be aware of when trying to verify the identity of a customer? Choose 3 answers

Answer: A,C,D


NEW QUESTION # 120
Which two individuals are ordinarily beneficial owners of a private banking account according to the Wolfsberg Anti-Money Laundering Principles for Private Banking? (Choose two.)

Answer: A,B

Explanation:
According to the Wolfsberg Anti-Money Laundering Principles for Private Banking, the beneficial owners of a private banking account are those who generally have ultimate control over the funds in the account and those who are the ultimate source of funds for the account and whose source of wealth should be subject to due diligence1. These two criteria are meant to ensure that the bank knows who is ultimately behind the account and where the funds come from, in order to prevent the use of the bank for money laundering or other criminal purposes. Authorized signers on the account or those who have legal title to a controlling share interest in the customer are not necessarily the beneficial owners, as they may act on behalf of others or have limited influence over the account.: 1: Wolfsberg Anti-Money Laundering Principles for Private Banking (2012), Section 1.3.1 and 1.3.2, 1 Reference:https://www.wolfsberg-principles.com/sites/default/files/wb/pdfs/wolfsberg-standards/10.%
20Wolfsberg-Private-Banking-Prinicples-May-2012.pdf(2)


NEW QUESTION # 121
Which are the two most common controls a financial institution (FI) uses to identify suspicious money- laundering activity? (Choose two.)

Answer: C,D

Explanation:
Sanctions screening and transaction monitoring rules are two of the most common controls that FIs use to identify suspicious money-laundering activity. Sanctions screening is the process of checking customers, transactions, and counterparties against various lists of sanctioned individuals, entities, and countries issued by national and international authorities. Sanctions screening helps FIs to avoid doing business with or facilitating the activities of those who are involved in terrorism, proliferation, human rights violations, or other criminal activities. Transaction monitoring rules are the criteria or scenarios that FIs use to detect unusual or potentially suspicious patterns of transactions or behaviors of customers or accounts. Transaction monitoring rules help FIs to identify transactions that deviate from the expected norms, such as large cash deposits, frequent wire transfers, or transactions with high-risk jurisdictions. Transaction monitoring rules also help FIs to comply with their reporting obligations, such as filing Suspicious Activity Reports (SARs) or Currency Transaction Reports (CTRs).: = ACAMS CAMS Certification Video Training Course, Chapter 4: Developing an Effective Anti-Money Laundering Program, Section 4.2: Customer Identification Program (CIP) and Customer Due Diligence (CDD); Money laundering and terrorist financing, Section: Anti Money Laundering (AML) regulations; The Three Stages Of Money Laundering And How Money Laundering Works, Section: How to Prevent Money Laundering.


NEW QUESTION # 122
Which of the following competent authorities should directly receive suspicious or unusual transaction reports?

Answer: B

Explanation:
According to the FATF Recommendations, the competent authority that should directly receive suspicious or unusual transaction reports is the financial intelligence unit (FIU). The FIU is a central, national agency responsible for receiving, analyzing and disseminating information related to money laundering and terrorist financing. The FIU should have operational independence and autonomy, and should be able to exchange information with other domestic and foreign authorities. The FIU should also provide feedback to the reporting entities on the use and value of their reports.
References: =
* CAMS Certification Package - 6th Edition | ACAMS1
* CAMS Certifications: How to Get CAMS Certified | ACAMS2
* ACAMS CAMS Certification Video Training Course - Exam-Labs3
* Exam CAMS: Certified Anti-Money Laundering Specialist (the 6th edition)4
* FATF Recommendations, Recommendation 29: Financial Intelligence Units
http://www.fatf-gafi.org/media/fatf/documents/recommendations/pdfs/FATF%20Recommendations%202012.pd


NEW QUESTION # 123
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