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ACAMS CAMS7 Exam Syllabus Topics:

Section	Weight	Objectives
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%	- Training, awareness and internal communication - Customer due diligence and know-your-customer 1. CDD, EDD, beneficial ownership identification 2. politically exposed persons and high-risk clients - Audit, testing and continuous improvement - Monitoring, reporting and record keeping 1. Transaction monitoring and alert management 2. Legal record retention requirements 3. Suspicious activity reporting (SAR/STR) - Program framework and policies 1. Risk assessment and risk-based approach 2. Policies, procedures and controls design
Global Anti-Financial Crime Frameworks, Governance and Regulations	24%	- 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 - International standards and bodies 1. FATF 40 Recommendations 2. Basel Committee, Wolfsberg Group, UN conventions
Understanding Risks and Methods of Financial Crime	26%	- Financial crime risks and consequences 1. Institutional, individual, economic and social impacts - Terrorism financing and proliferation financing 1. Distinctions from money laundering 2. Sources and mechanisms - Money laundering stages and techniques 1. Placement, layering, integration 2. Methods across financial sectors and businesses - Sanctions regimes and compliance risks 1. Risk identification and mitigation 2. UN, EU, OFAC frameworks

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ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) Sample Questions (Q166-Q171):

NEW QUESTION # 166
Money services businesses (MSBs), payment service providers, and e-commerce platforms usually have a high volume of daily transactions. What are the risks associated with these types of businesses? (Choose two.)

A. Criminals can make use of identify fraud to fulfill KYC processes for layering purposes
B. These businesses are highly regulated and therefore have no reason to be non-compliant as this would put them at risk of sanctions and fines
C. KYC challenges arise because e-commerce platforms face global customers making customer due diligence complex and resource intensive
D. The settlement systems of these businesses are not sophisticated enough to cope with the high transaction volume
E. These businesses are all cash intensive, increasing the risk of financial crime

Answer: A,C

Explanation:
E-commerce platforms face KYC challenges due to a global and diverse customer base, making due diligence complex, while criminals may exploit identity fraud to pass KYC checks and facilitate layering in money laundering schemes. These factors increase the financial crime risks for such businesses.

NEW QUESTION # 167
Reference data screening includes the screening of which types of datasets? (Select Two.)

A. Third-party service providers
B. Types of payment messages
C. Customers
D. Customer spouses

Answer: A,C

Explanation:
Reference data screening is a core element of AML/CFT programs and typically covers:
Customers (B):"All customers must be screened against sanctions, PEP, and adverse media lists as part of onboarding and ongoing due diligence." Third-party service providers (C):"Screening should extend to relevant third parties, such as agents and service providers, to prevent indirect exposure to sanctioned entities."

NEW QUESTION # 168
A global financial institution is conducting a comprehensive review of its due diligence processes to strengthen its defenses against financial crime. Recent incidents have highlighted vulnerabilities related to employee misconduct, including unauthorized transactions and sharing of sensitive customer information. Additionally, the FI has faced issues with third-party vendors who failed to meet compliance standards, leading to increased regulatory scrutiny. Which of the following measures would be most effective in addressing the bank's due diligence needs for employees, vendors, and third parties to mitigate insider threats and ensure compliance with AML regulations?

A. Limiting the number of vendors and third parties in high-risk jurisdictions in order to reduce exposure to compliance risks
B. Implementing background checks for employees and vendors prior to onboarding or the start of engagement to identify any red flags
C. Establishing a surveillance program for employees, vendors, and third parties, including periodic risk assessments, access controls, and regular reviews of their compliance with AML policies
D. Relying on self-reported compliance certifications from vendors and employees to confirm adherence to AML standards on a periodic basis

Answer: C

Explanation:
Establishing a surveillance program with periodic risk assessments, access controls, and regular compliance reviews for employees, vendors, and third parties is the most effective way to mitigate insider threats and ensure ongoing adherence to AML regulations. This proactive approach continuously monitors risk rather than relying solely on initial checks or self-certifications.

NEW QUESTION # 169
Which measures help ensure that the name screening process is effective in identifying potential risk? (Select Three.)

A. Assign a designated person to ensure consistent implementation of screening controls
B. Conduct regular testing to validate that the screening system is performing as expected
C. Identify the most commonly used name screening database in the industry
D. Define in policies and procedures the screening scope, frequency, and alert adjudication process
E. Conduct a risk assessment to determine which data attributes to screen, screening frequency, and database selection

Answer: B,D,E

Explanation:
An effective name screening process is a critical component of sanctions and AML compliance.
Regulators expect financial institutions to implement strong governance, risk-based design, and ongoing validation.
Clearly defining the screening scope, frequency, and alert adjudication procedures in policies ensures consistency, transparency, and accountability across the organization.
Conducting a risk assessment allows institutions to make informed, proportionate decisions on which data attributes to screen (e.g., names, aliases, addresses), how frequently to screen, and which databases to use. This aligns with the risk-based approach.
Regular testing and validation ensure that screening systems continue to perform as intended, detect true matches, and minimize false positives or missed hits.
Selecting the most popular database or assigning a single individual for control ownership does not ensure effectiveness and may introduce governance risk.

NEW QUESTION # 170
Potential risk indicators for a trade counterparty in trade-based money laundering include: (Select Three.)

A. Engaging in transactions and shipping routes or methods that are not in line with standard business practices
B. Transparent pricing structures with additional information provided to the receiving bank when pricing fluctuates by ±10%
C. Cash deposits or other transactions consistently below the relevant reporting thresholds
D. Contracts, invoices, or other trade documents containing detailed descriptions of the traded commodities
E. Irregular or inconsistent trade volume and frequency that does not align with the historical trading behavior of the counterparty

Answer: A,C,E

Explanation:
Trade-Based Money Laundering (TBML) is a recognized method used to move and disguise illicit funds through trade transactions. Regulatory guidance from FATF highlights several red flags that may indicate TBML risks.
Irregular or inconsistent trade volume and frequency that deviates from a counterparty's historical activity can suggest artificial or manipulated transactions. This behavior may indicate over- or under-invoicing or fictitious trade.
Structuring transactions below reporting thresholds, such as repeated cash deposits just under regulatory limits, is a classic money laundering technique used to avoid detection and reporting obligations.
Engaging in unusual shipping routes, methods, or counterparties that do not align with normal business practices is another key TBML indicator. Criminals often use complex or illogical logistics to obscure the true nature of transactions.
Conversely, detailed trade documentation and transparent pricing with proactive explanations are indicators of legitimate trade activity and reduce AML risk rather than increase it.

NEW QUESTION # 171
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