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ACAMS CAMS7 Exam Syllabus Topics:

Section	Weight	Objectives
Understanding Risks and Methods of Financial Crime	26%	- Sanctions regimes and compliance risks 1. Risk identification and mitigation 2. UN, EU, OFAC frameworks - Financial crime risks and consequences 1. Institutional, individual, economic and social impacts - Money laundering stages and techniques 1. Placement, layering, integration 2. Methods across financial sectors and businesses - Terrorism financing and proliferation financing 1. Distinctions from money laundering 2. Sources and mechanisms
Building and Managing Anti-Financial Crime Compliance Programs	28%	- Customer due diligence and know-your-customer 1. politically exposed persons and high-risk clients 2. CDD, EDD, beneficial ownership identification - Training, awareness and internal communication - Program framework and policies 1. Risk assessment and risk-based approach 2. Policies, procedures and controls design - Monitoring, reporting and record keeping 1. Suspicious activity reporting (SAR/STR) 2. Legal record retention requirements 3. Transaction monitoring and alert management - Audit, testing and continuous improvement
Global Anti-Financial Crime Frameworks, Governance and Regulations	24%	- International standards and bodies 1. FATF 40 Recommendations 2. Basel Committee, Wolfsberg Group, UN conventions - Governance, accountability and ethics 1. Roles of board, senior management and compliance function 2. Ethical obligations and professional standards - Regional and national regulations 1. USA PATRIOT Act and extraterritorial laws 2. EU AML Directives
Tools, Technologies and Investigations	22%	- Technology and systems 1. Monitoring systems, screening tools, data analytics 2. Cryptoasset and virtual asset compliance - Remediation and response 1. Corrective actions and regulatory engagement - Investigation processes and evidence handling 1. Cooperation with authorities and information sharing 2. Case management and escalation

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ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) Sample Questions (Q104-Q109):

NEW QUESTION # 104
Which of the following statements is true regarding the 2012 Financial Action Task Force (FATF) 40 Recommendations and'or 11 Immediate Outcomes?

A. The cornerstone of the 40 Recommendations is the adoption of a risk-based approach by each jurisdiction
B. The 40 Recommendations have not been updated to reflect the impact of new technology
C. The 11 Immediate Outcomes are recommendations specific to high-risk jurisdictions requiring enhanced monitoring.
D. Each jurisdiction can reach out to the FATF for private access to the interpretive notes to the 40 Recommendations

Answer: A

NEW QUESTION # 105
Which of the below would be relevant money laundering red flags for life insurance companies? (Select Two.)

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

Answer: B,E

Explanation:
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

NEW QUESTION # 106
How do nominees benefit criminals misusing thorn for money laundering purposes? (Select Two.)

A. Allow beneficial owners to provide proxies lot voting on corporate decisions
B. Derail investigations
C. Obscure beneficial ownership
D. Allow domicile in the nominee's jurisdiction

Answer: B,C

NEW QUESTION # 107
Which of the following best describes AML/CFT risk identification and assessment for accountants?
(Select Two.)

A. Drafting a customer acceptance policy can help accountants define customers outside their risk appetite
B. When determining transaction and service risk, the jurisdiction where the accountant provides the service is not important
C. Due to their small size and limited resources, accountants are allowed to organize AML/CFT risk only as customer risk or transaction/service risk
D. Accountants are not required to keep records of business relationships for more than two years
E. Due to the nature of services accountants provide, automated transaction monitoring systems used by financial institutions may not be appropriate

Answer: A,E

Explanation:
Accountants are classified as designated non-financial businesses and professions (DNFBPs) under FATF standards and must apply a risk-based approach to AML/CFT compliance.
A customer acceptance policy is a key tool that helps accountants define which clients or engagements fall outside their risk appetite. This supports consistent onboarding decisions and ensures high-risk clients are either subject to enhanced due diligence or declined.
Additionally, due to the nature of accounting services-such as advisory, tax preparation, and financial reporting-traditional automated transaction monitoring systems used by banks are often not appropriate. Instead, accountants rely more heavily on engagement-based risk assessments, client profiling, and professional judgment.
Accountants are subject to record-keeping requirements longer than two years in most jurisdictions, and geographic risk is always relevant when assessing AML/CFT exposure. Risk assessments must be comprehensive and proportionate, not artificially limited.

NEW QUESTION # 108
The law enforcement agency (LEA) of a foreign jurisdiction contacts a financial institution (FI) regarding one of the FI's clients. The LEA advises that the client is currently wanted for prosecution as a result of a series of human trafficking charges. What should the FI do? (Select Two.)

A. Inform local LEA and regulator of the request for awareness
B. Review the client's activity, determine if suspicious activity exists, and report accordingly
C. Advise the LEA that the government needs to be contacted for extradition
D. Comply immediately with the foreign jurisdiction and turn over all client information
E. Close the client's accounts immediately to avoid any undue risk

Answer: A,B

NEW QUESTION # 109
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