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ACAMS CAMS Exam Syllabus Topics:

Section	Weight	Objectives
Compliance Standards for Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT)	25%	- AML/CFT International Standards 1. United Nations (UN) Sanctions and Conventions 2. Financial Action Task Force (FATF) Standards and Guidance 3. Wolfsberg Group Principles - AML/CFT Regulatory Bodies and Guidance 1. Regulatory Expectations and Enforcement Actions 2. Financial Intelligence Units (FIUs) - AML/CFT Compliance Program Designation 1. Board and Senior Management Oversight 2. Risk-Based Approach Implementation 3. Components of an Effective AML/CFT Program
AML/CFT Investigations and Enforcement	23%	- Cooperation and Information Sharing 1. Public-Private Partnerships 2. Law Enforcement and Regulatory Cooperation - Enforcement Actions and Penalties 1. Asset Freezing, Seizure, and Forfeiture 2. Civil and Criminal Penalties 3. Extradition and Mutual Legal Assistance - AML/CFT Investigation Process 1. Interviewing Witnesses and Subjects 2. Investigation Techniques and Evidence Gathering 3. Sources of Information and Open-Source Intelligence
Money Laundering Risks and Methods	26%	- Payment Systems and Money Laundering Methods 1. Trade-Based Money Laundering 2. Correspondent Banking and Wire Transfers 3. Digital Currencies and Virtual Assets - Nature of Money Laundering, Terrorist Financing, and Threat Finance 1. Threat Finance and Terrorist Financing 2. Differences between Money Laundering and Terrorist Financing 3. Characteristics and Methods of Money Laundering - Money Laundering and Terrorist Financing Risks 1. Politically Exposed Persons (PEPs) 2. Jurisdictional Risks (High-Risk and Non-Cooperative Countries) 3. Risk Assessment Concepts and Methodologies
AML/CFT Compliance Program	26%	- Record Keeping and Information Sharing 1. Information Sharing Arrangements (e.g., Section 314(b)) 2. Confidentiality and Data Protection - Ongoing Monitoring and Reporting 1. Currency Transaction Reporting (CTRs) 2. Transaction Monitoring Systems 3. Suspicious Activity Reporting (SARs) - Customer Identification Program (CIP) and Customer Due Diligence (CDD) 1. Enhanced Due Diligence (EDD) 2. Customer Identification and Verification Procedures 3. Beneficial Ownership Identification

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ACAMS Certified Anti-Money Laundering Specialists (the 6th edition) CAMS Prüfungsfragen mit Lösungen (Q342-Q347):

342. Frage
A government has instituted a new anti-money laundering laws which require all financial institutions to obtain certain information from its customers.
Which step should an institution located in this jurisdiction take to ensure compliance?

A. Change systems to ensure the required information is automatically obtained from all customers
B. Send a notice to customers asking them to provide the necessary information
C. Change procedures and systems as necessary and provide employee training
D. Change procedures to require that the necessary information is obtained

Antwort: B

343. Frage
The owner of a local retail store makes multiple deposits daily at a bank. When the owner makes these deposits, it is noted that he goes to different tellers (cashiers). The deposits consist of cash in amounts less than the currency reporting threshold. Which of the following best describes this activity?

A. structuring
B. layering
C. integration
D. commingling

Antwort: D

Begründung:
The account officer has violated the principle of confidentiality by informing the customer about the legal request from law enforcement. This could amount to tipping off, which is a criminal offense in many jurisdictions. Tipping off could jeopardize the investigation, compromise evidence, and alert other potential suspects. The account officer should not discuss any details of the investigation with the customer, nor should he meet with the customer to do so. He should also report his actions to his manager and compliance department, and cooperate with law enforcement as required.
References:
ACAMS CAMS Certification Video Training Course1, Module 4: Conducting or Supporting the Investigation, Lesson 4.3: Confidentiality and Information Sharing ACAMS CAMS Certification Study Guide2, Chapter 4: Conducting or Supporting the Investigation, Section 4.3: Confidentiality and Information Sharing, pp. 135-136 ACAMS CAMS Certification Exam Outline3, Domain 4: Conducting or Supporting the Investigation, Task 4.3: Maintain confidentiality of the investigation, p. 18

344. Frage
Which of the following indicates potential money laundering activity by a lawyer?

A. A lawyer's trust account regularly receives wire transfers from unknown remitters from a higher-risk country and immediately transfers the same amount of funds to a known beneficiary's account in a low-risk country.
B. A lawyer's trust account receives a large wire transfer deposit from a client that wanted to purchase a piece of property and then transfers the same amount to the property seller's lawyer's trust account.
C. A lawyer located in a higher-risk country deposits their firm's bank draft issued from their trust account to another lawyer's trust account located in a low-risk country for legal services rendered.
D. A lawyer's trust account receives a large-value wire transfer from a regulated insurance company and immediately transfers the same amount of funds received to the beneficiary's bank account in a low-risk country.

Antwort: A

Begründung:
Lawyers and legal professionals are frequently used in money laundering schemes, particularly through trust accounts that offer anonymity and client privilege protections.
Option A (Correct): Repeated wire transfers from unknown sources followed by immediate outward transfers suggest that the lawyer's trust account is being used as a pass-through account for laundering funds.
Option B (Incorrect): If legal services were actually rendered, this is a normal transaction unless other risk factors exist.
Option C (Incorrect): Receiving funds from a regulated insurance company is not inherently suspicious, unless the transaction is inconsistent with the lawyer's usual business activity.
Option D (Incorrect): Large transactions are normal in real estate purchases, as long as proper documentation exists.
Red Flags in Legal Sector Money Laundering:
Use of lawyer trust accounts to move funds with no legitimate business purpose.
Frequent transactions from high-risk jurisdictions.
Transactions that are inconsistent with the lawyer's area of practice.
Clients who refuse to disclose the source of funds.
Best Practices:
Apply AML measures to law firms handling financial transactions, as required by FATF's Designated Non-Financial Businesses and Professions (DNFBPs) guidelines.
Require enhanced due diligence (EDD) for high-risk clients and unusual transactions.
Reference:
FATF Report on Legal Professionals & Money Laundering
Wolfsberg Group Legal Sector AML Guidance
6th EU Anti-Money Laundering Directive (6AMLD) on DNFBPs

345. Frage
In addition to monitoring for suspicious activity, what are electronic monitoring systems also valuable for?

A. Proving to the Board of Directors that the FIU is doing its job
B. Meeting mandatory regulatory requirements for system implementation
C. Identifying how customers are using products
D. Highlighting the skills of the system analysts

Antwort: B

346. Frage
A large cash deposit most likely reflects money laundering when it is
1. from a customer who has never conducted a transaction in cash before.
2. transacted in segments smaller than the reporting thresholds at various times during the day.
3. followed by an immediate wire transfer to an offshore secrecy haven.
4. by a customer who operates a cash-based business.

A. 2, 3, and 4 only
B. l, 2, and 4 only
C. 1, 2, and 3 only
D. 1, 3, and 4 only

Antwort: C

Begründung:
A large cash deposit is a red flag for money laundering when it is inconsistent with the customer's profile, behavior, or business activity. A customer who has never conducted a transaction in cash before may be trying to avoid detection or conceal the source of the funds. A customer who transacts in segments smaller than the reporting thresholds at various times during the day may be engaging in structuring or smurfing, which are techniques to evade currency transaction reporting requirements. A customer who follows a large cash deposit with an immediate wire transfer to an offshore secrecy haven may be attempting to layer or move the funds to a jurisdiction with weak anti-money laundering controls or high confidentiality. These scenarios indicate a high risk of money laundering and warrant further investigation and reporting.
A customer who operates a cash-based business may have a legitimate reason to make a large cash deposit, depending on the nature and scale of the business. However, this does not mean that the customer is exempt from scrutiny or monitoring, as cash-based businesses are also vulnerable to money laundering abuse. The bank should verify the source and purpose of the funds, and compare the deposit with the customer's expected activity and turnover.
CAMS Certification Package - 6th Edition, Chapter 4: Conducting and Supporting the Investigation Process, pp. 97-98.
Warning signs of money laundering | The Law Society, Section: Cash deposits and withdrawals.

347. Frage
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