Free PDF Quiz 2026 ACAMS Professional CAMS7: Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) Questions Pdf

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ACAMS CAMS7 Exam Syllabus Topics:

Section	Weight	Objectives
AML Compliance Framework	25%	- Compliance program components 1. Policies and procedures 2. Internal controls - Roles and responsibilities 1. Governance and oversight 2. Compliance officer duties
Money Laundering and Terrorist Financing Concepts	30%	- Definitions and stages of money laundering 1. Terrorist financing typologies 2. Placement, layering, integration - Global AML/CFT standards 1. International regulatory frameworks 2. FATF Recommendations
Detecting and Preventing Financial Crime	20%	- Financial crime typologies 1. Fraud and corruption schemes 2. Trade-based money laundering - Investigations and enforcement 1. Case management and documentation 2. Regulatory investigations
Risk Management and Due Diligence	25%	- Customer Due Diligence (CDD/KYC) 1. Customer identification programs (CIP) 2. Enhanced due diligence (EDD) - 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) Sample Questions (Q105-Q110):

NEW QUESTION # 105
Artificial intelligence (AI) and machine learning (ML) procedures help in applying a risk-based approach in AML compliance through: (Select Three.)

A. Detection of complex money laundering patterns in transactions
B. Automatically generating Suspicious Activity Reports (SARs) without the need for human review
C. Automatically adapting risk thresholds for customers without any human intervention
D. Advanced customer risk assessments that synthesize client background information with additional data
E. Identification of links among apparently unrelated clients who have established complex networks for money laundering

Answer: A,D,E

Explanation:
Artificial intelligence and machine learning technologies support the risk-based approach (RBA) to AML compliance by enhancing an institution's ability to identify, assess, and prioritize financial crime risks. Regulatory guidance emphasizes that these technologies should augment--not replace--human judgment.
One key benefit is advanced customer risk assessment. AI and ML can synthesize large volumes of customer data, including background information, transaction behavior, and external risk indicators, allowing institutions to develop more accurate and dynamic risk profiles.
AI and ML also enable the identification of complex networks among seemingly unrelated clients.
Through network analytics and pattern recognition, these tools can uncover hidden relationships used in layering and structuring activities.
Additionally, AI-driven systems excel at detecting complex money laundering patterns within transaction data that may not trigger traditional rule-based alerts, improving effectiveness and efficiency.
Automatically generating SARs or adapting thresholds without human oversight is inconsistent with regulatory expectations. Human review and governance remain essential components of AML compliance.

NEW QUESTION # 106
A bank is completing a periodic KYC profile review for a customer that is a small digital marketing company based in New York City. Which of the following would be a red flag?

A. The account activity includes frequent purchases of tickets to industry conferences and other events.
B. The account activity includes deposits made in multiple branches around New York City into the same account.
C. The account activity includes incoming funds transfers at irregular intervals from small businesses located in New York
D. The account activity includes deposit activity into both savings and checking accounts

Answer: B

NEW QUESTION # 107
When a financial institution (FI) is considering providing traditional banking services to a virtual asset service provider (VASP), consideration should be given to whether the FI: (Select Two.)

A. implements enhanced KYC measures.
B. consistently reviews transactions between fiat and virtual currencies.
C. has a general understanding of virtual assets.
D. owns virtual currencies itself.

Answer: A,C

Explanation:
A: FIs should ensure they have a general understanding of virtual assets and VASP operations to assess risks accurately.
C: Enhanced KYC measures are recommended for VASPs due to their higher ML/TF risk profile.
"FIs must understand the business model and risk of VASPs and apply enhanced due diligence as required by FATF and regulatory guidance."

NEW QUESTION # 108
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. exchange in-game items with other players.
C. buy in-game items with virtual in-game currencies.
D. obtain in-game materials by performing in-game activities.

Answer: A

Explanation:
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." (CAMS 6th Edition, Chapter: Risks and Methods of Money Laundering and Terrorist Financing; FATF, Virtual Assets Guidance 2019) Incorrect Options:
* A: Buying in-game items with in-game currency does not in itself facilitate terrorist financing.
* B: Exchanging items between players may be a step in layering but is not direct TF unless items are traded for fiat.
* D: Obtaining items by in-game activity is standard gameplay and not a TF method.
References:
CAMS Study Guide 6th Edition, Risks in Gaming and Virtual Worlds
FATF Guidance for a Risk-Based Approach to Virtual Assets (2019)

NEW QUESTION # 109
A trust and company services provider that offers a variety of services to businesses is approached by a client interested in establishing a new company. The client requests assistance with the incorporation process, a local business address, annual maintenance services, and the designation of individuals to serve in official capacities for the new company. Which of the following services involves a higher money laundering risk?

A. Company incorporation services
B. Annual maintenance services
C. Provision of a local business address
D. Appointing individuals to serve in official capacities of the company

Answer: D

Explanation:
Appointing individuals to serve in official capacities poses a higher money laundering risk because it can be used to obscure the true beneficial ownership and control of the company, making it easier to conceal illicit activities or the identity of those directing the business.

NEW QUESTION # 110
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