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ACAMS CAMS7 Exam Syllabus Topics:

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

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ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) CAMS7 Prüfungsfragen mit Lösungen (Q30-Q35):

30. Frage
Risks associated with real estate transactions include (Select Two.)

A. purchases in the name of a natural person.
B. non-financed purchases.
C. paying true market price for a property.
D. cross-border purchases.

Antwort: B,D

Begründung:
Real estate transactions are vulnerable to ML/TF risks, particularly when there is limited transparency or unusual payment methods:
Cross-border purchases (A):"Purchases by foreign buyers, especially from high-risk jurisdictions, are a red flag for money laundering in the real estate sector."(CAMS 6th Edition, Real Estate Money Laundering Risks; FATF, Money Laundering and Terrorist Financing through the Real Estate Sector, 2007) Non-financed purchases (D):"Non-financed (all-cash) purchases can indicate the introduction of illicit funds into the financial system, bypassing the controls of mortgage lenders."(CAMS 6th Edition, Real Estate ML
/TF Risks)
Incorrect Options:
B: Purchasing in the name of a natural person is standard and not inherently risky.
C: Paying the true market price does not raise ML/TF risk.
References:
CAMS 6th Edition, Chapter: ML/TF Risks in Real Estate
FATF, Money Laundering and Terrorist Financing through the Real Estate Sector (2007)

31. Frage
A bank is preparing for a regulatory exam after a previous regulatory exam identified weaknesses in the bank's AML program. Since the last exam, the bank has improved the written AML program, hired an experienced AML compliance officer, and has taken actions to demonstrate a strong culture of compliance.
The bank is now focused on getting through their transaction monitoring case backlog and completing enhancements to its sanctions screening program.
Which of the following are correct? (Select Two.)

A. The bank may face the risk of regulatory orders to remediate its AML program despite addressing many of the previous concerns.
B. The bank is likely to face secondary sanctions from global financial institutions despite addressing many of the previous concerns.
C. The bank may face civil or criminal penalties if it is unable to demonstrate sustained improvement in addressing the previous concerns.
D. The regulatory agency may require the bank's board of directors to publicly share the actions taken to address the previous concerns in order to limit its reputational risk.
E. The bank is protected from reputational risk arising from any regulatory action because regulatory orders must remain confidential.

Antwort: A,C

Begründung:
* B: If a bank fails to demonstrate sustained improvement or cannot resolve identified deficiencies, it can face civil or even criminal penalties from regulators. Regulators expect not just policy changes, but proof of effectiveness and ongoing compliance improvements.
* C: Even after addressing many concerns, if all issues are not resolved-such as outstanding transaction monitoring backlogs-regulators may issue orders to further remediate the AML program until full compliance is achieved.
* CAMS 6th Edition and regulatory guidance clarify that "regulators may impose penalties, issue consent orders, or require further remediation where weaknesses persist." Incorrect:
* A: Secondary sanctions generally apply to sanctions violations, not standard AML program weaknesses.
* D: Regulatory actions can be public and do pose reputational risk.
* E: While transparency is sometimes required, this is not a universal regulatory response.
References:
CAMS 6th Edition, Regulatory Examinations and Remediation
FFIEC BSA/AML Manual, Enforcement Actions

32. Frage
A customer insists on conducting large transactions only in cash despite having access to normal banking channels. Why is this concerning?

A. Cash transactions can reduce transparency and audit trails
B. Cash always violates regulations
C. Electronic transfers are illegal internationally
D. Cash cannot be deposited into banks legally

Antwort: A

Begründung:
Cash transactions create greater AML risk because they are harder to trace and may conceal the origin of funds. Criminals often prefer cash to avoid electronic audit trails. Persistent reliance on cash without reasonable explanation is a common red flag requiring additional review.

33. Frage
As emphasized in the Basel Committee guidance for "Sound management of risks related to money laundering and financing of terrorism", the third line of defense, or audit function, should:

A. Be involved in the day-to-day operations of the AML program to immediately prevent control failures.
B. Conduct AML audits no less often than every 12 months for consistency in annual reporting.
C. Remain independent from expressing opinions on the sufficiency of remediation or action plans to address findings and recommendations.
D. Report to the audit committee of the board of directors to maintain independence.

Antwort: C

34. Frage
The first line of defense is responsible for:

A. ongoing screening of customers.
B. suspicious activity and sanctions reporting.
C. evaluating the effectiveness of compliance controls.
D. collecting complete customer information.

Antwort: D

Begründung:
The First Line of Defense (1LoD) consists of customer-facing business units (e.g., relationship managers, front-office staff, and operational teams). Their primary responsibility in financial crime risk management is to implement AML/CFT controls as part of daily operations. This includes Collecting complete customer information.
The First Line of Defense is responsible for conducting Know Your Customer (KYC) and Customer Due Diligence (CDD) during onboarding and throughout the customer relationship.
Ensuring that all relevant customer details (e.g., identity, business purpose, ownership structure) are accurately collected and documented is crucial for mitigating financial crime risks.

35. Frage
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