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If you are aiming to become a certified ACAMS CAMS, you should prepare with actual exam questions and study guides. These study materials will enable you to pass the exam without much difficulty. ACAMS's practice exams will help you prepare well for the actual exam. The questions are updated and easy to understand. The test materials also consist of a realistic scenario that simulates the exam environment.
| Certification Vendor: | ACAMS |
|---|---|
| Exam Name: | ACAMS Certified Anti-Money Laundering Specialist (CAMS) Examination |
| Exam Number: | CAMS |
| Related Certifications: | CAMS-FCI (Financial Crimes Investigations) CAMS Advanced Certification |
| Certificate Validity Period: | 3 years (renewable via continuing education credits) |
| Real Exam Qty: | 120 |
| Exam Price: | $1,495–$1,795 USD (varies by ACAMS membership status and region) |
| Exam Duration: | 210 minutes |
| Available Languages: | English |
| Passing Score: | 75% |
| Exam Format: | Computer-based testing (Pearson VUE), Multiple-choice |
| Recommended Training: | ACAMS CAMS Official Study Guide (6th Edition) ACAMS Instructor-led Training |
| Exam Registration: | ACAMS CAMS Certification Page Pearson VUE ACAMS Exam Scheduling |
| Sample Questions: | ACAMS CAMS Sample Questions |
| Exam Way: | Computer-based exam delivered via Pearson VUE test centers and online proctoring (where available). |
| Pre Condition: | No formal prerequisite required; ACAMS membership and AML industry experience are recommended but not mandatory. |
| Official Syllabus URL: | https://www.acams.org/en/certifications/cams |
>> CAMS Reliable Test Objectives <<
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The CAMS Certification Exam is administered by the Association of Certified Anti-Money Laundering Specialists (ACAMS), a leading international organization dedicated to advancing the AML profession through education, certification, and networking. CAMS Exam covers topics such as AML regulations, compliance programs, risk management, customer due diligence, and suspicious activity reporting, among others.
NEW QUESTION # 332
Combating the Financing of Terrorism (CFT)]
A bank account is established for a new business customer. The business was established five years ago with an address in another state. The business website contains few details other than stating it is a real estate business.
One principal has an international telephone number and appears to be living in another country. The other principal works out of a recreational vehicle.
What warrants enhanced due diligence in this scenario?
Answer: C
Explanation:
Money laundering through real estate is a common method of disguising the source and ownership of illicit funds. Real estate transactions often involve large amounts of money, complex legal structures, and cross- border transfers, which can obscure the true nature and origin of the funds. The new business customer in this scenario raises several red flags that warrant enhanced due diligence, such as:
* The business was established five years ago but has a vague website and no physical presence in the state where it is registered.
* One of the principals has an international phone number and lives abroad, which could indicate a foreign shell company or a politically exposed person.
* The other principal works out of a recreational vehicle, which could suggest a lack of legitimate business activity or income.
* The business claims to be a real estate business, but does not provide any details about its projects, clients, or partners.
These factors suggest that the business may be involved in money laundering through real estate, either by purchasing properties with illicit funds, using properties to generate illegal income, or selling properties to launder money. Therefore, the financial institution should conduct enhanced due diligence to verify the identity, background, and source of funds of the business and its principals, as well as the purpose and nature of the account relationship.
:
ACAMS Study Guide for the CAMS Certification Examination - 6th Edition, Chapter 2: Money Laundering Risks and Methods, pp. 46-47 Enhanced Due Diligence in Construction and Real Estate, by James Swenson, Ethixbase 360 Due Diligence & Legal Considerations in Commercial Real Estate, by Justia
NEW QUESTION # 333
Which AML standards have force of law?
Answer: A
NEW QUESTION # 334
Your company has recently purchased and deployed 25,000 IoT devices.
You need to recommend a data analysis solution for the devices that meets the following requirements:
* Each device must use its own credentials for identity.
* Each device must be able to route data to multiple endpoints.
* The solution must require the minimum amount of customized code.
What should you include in the recommendation?
Answer: D
Explanation:
An IoT hub has a default built-in endpoint. You can create custom endpoints to route messages to by linking other services in your subscription to the hub.
Individual devices connect using credentials stored in the IoT hub's identity registry.
References:
https://docs.microsoft.com/en-us/azure/iot-hub/iot-hub-devguide-security
NEW QUESTION # 335
the Financing of Terrorism (CFT)]
A profitable commercial customer who operates an import-export business has multiple accounts with the same institution at branches m different locations. The customer receives funds from a jurisdiction perceived as highly corrupt according to Transparency International ratings. The customer makes frequent transfers among the accounts and prefers to manage the accounts separately. What should the institution do to mitigate the risk associated with these accounts?
Answer: D
Explanation:
According to the Anti-Money Laundering Specialist (the 6th edition) resources, the institution should develop a system to monitor all the activity of the customer's accounts to mitigate the risk associated with these accounts. This is because the customer's behavior and profile may indicate some red flags of money laundering, such as:
* Operating an import-export business, which is a common sector for trade-based money laundering, where trade transactions are used to disguise the movement of illicit funds, either by over- or under- invoicing, misrepresenting the quantity or quality of goods, or falsifying documents1.
* Receiving funds from a jurisdiction perceived as highly corrupt, which may increase the risk of the funds being derived from bribery, embezzlement, fraud, or other predicate offences2. Transparency International is a global civil society organization that publishes an annual CorruptionPerceptions Index, which ranks countries by their perceived levels of public sector corruption based on expert assessments and surveys3.
* Making frequent transfers among the accounts, which may indicate a layering technique, where funds are moved through multiple accounts, institutions, or jurisdictions to obscure the audit trail and the source and ownership of the funds4.
* Preferring to manage the accounts separately, which may indicate a lack of transparency or an attempt to avoid detection or reporting by the institution.
By developing a system to monitor all the activity of the customer's accounts, the institution can:
* Identify and verify the identity and beneficial ownership of the customer and the parties involved in the transactions.
* Obtain and verify information on the nature and purpose of the business relationship and the source and destination of the funds.
* Conduct a risk assessment of the customer and the transactions based on the customer's profile, behavior, and geographic locations.
* Apply enhanced due diligence and ongoing monitoring measures for higher-risk customers and transactions, such as obtaining additional information, documentation, or approval, or conducting more frequent or in-depth reviews.
* Detect and report any suspicious or unusual transactions or activities to the relevant authorities.
The other three options are incorrect because:
* File a suspicious transaction report is not the best answer, as it is a reactive measure that should be taken after the institution has identified or suspected money laundering or terrorist financing activity, not before. The institution should first conduct due diligence and monitoring of the customer and the transactions, and then file a report if there are reasonable grounds to believe that the activity is suspicious or unusual.
* Diminish the importance of the subjective Transparency International rating is not the best answer, as it is a complacent and irresponsible attitude that may expose the institution to legal, regulatory, reputational, or operational risks. The Transparency International rating is not subjective, but based on credible sources and methodologies, and it is widely used as a reference by governments, businesses, civil society, and the public to assess the level of corruption in different countries3. The institution should not ignore or downplay the rating, but rather use it as one of the factors to evaluate the risk of the customer and the transactions.
* Conduct a trade-price manipulation analysis is not the best answer, as it is a specific and technical measure that may not be sufficient or appropriate to mitigate the risk associated with these accounts. A trade-price manipulation analysis is a method of detecting trade-based money laundering by comparing the prices of goods or services in a transaction with the market prices or other benchmarks, and identifying any significant discrepancies or anomalies. However, this measure may not be feasible or effective if the institution does not have access to reliable and comparable data, or if the goods or services are not standardized or homogeneous. Moreover, this measure may not address other aspects of the risk, such as the identity, ownership, or behavior of the customer and the parties involved in the transactions.
:
1: ACAMS, CAMS Study Guide, 6th Edition, Chapter 5, p. 108 2: ACAMS, CAMS Study Guide, 6th Edition, Chapter 5, p. 107 3: Transparency International, Corruption Perceptions Index, 3 4: ACAMS, CAMS Study Guide, 6th Edition, Chapter 5, p. 106 : ACAMS, CAMS Study Guide, 6th Edition, Chapter 5, p. 103 :
ACAMS, CAMS Study Guide, 6th Edition, Chapter 5, p. 103 : ACAMS, CAMS Study Guide, 6th Edition, Chapter 5, p. 104 : ACAMS, CAMS Study Guide, 6th Edition, Chapter 5, p. 105 : ACAMS, CAMS Study Guide, 6th Edition, Chapter 5, p. 105 : ACAMS, CAMS Study Guide, 6th Edition, Chapter 5, p. 109
NEW QUESTION # 336
the Financing of Terrorism (CFT)]
When a government imposeseconomic sanctionson a target, the purpose is to:
Answer: A
Explanation:
Economic sanctionsare used as anon-military toolto enforceforeign policy and national security objectives
.
* Option D (Correct):Sanctions aim tochange the behaviorof entities engaged inmoney laundering, terrorist financing, or other illicit activities.
* Option A (Incorrect):Sanctions do not necessarily indicatemilitary action.
* Option B (Incorrect):NGOs may be exempt from sanctions, but this is not their primary purpose.
* Option C (Incorrect):Whilehuman rights concernscan lead to sanctions, they are primarily imposed tochange behavior.
Reference:OFAC Sanctions Guidance, UN Security Council Sanctions List, EU Sanctions Regulations.
NEW QUESTION # 337
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