2025 CAMS EXAM TEST | RELIABLE CAMS ACTUAL TESTS: CERTIFIED ANTI-MONEY LAUNDERING SPECIALISTS 100% PASS

2025 CAMS Exam Test | Reliable CAMS Actual Tests: Certified Anti-Money Laundering Specialists 100% Pass

2025 CAMS Exam Test | Reliable CAMS Actual Tests: Certified Anti-Money Laundering Specialists 100% Pass

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Recertification

Individuals must get recertified every three years if they wish to maintain their CAMS Certification. To get recertified, individuals must have maintained their ACAMS membership, provide proof of having continued their professional education, and submit an online application along with a recertification fee.

ACAMS CAMS Exam Syllabus Topics:

TopicDetails
Topic 1
  • RISKS AND METHODS OF MONEY LAUNDERING AND TERRORISM FINANCING: This section focuses on identifying the various risks and methods associated with money laundering and terrorism financing. Candidates will need to recognize the risks to both individuals and institutions for violations of anti-money laundering (AML) laws.
Topic 2
  • AML, CFT, AND SANCTIONS COMPLIANCE PROGRAMS: This section focuses on the design and implementation of effective AML, CFT, and sanctions compliance programs. Candidates must be able to recognize the essential elements of an institution-wide risk assessment.
Topic 3
  • CONDUCTING AND SUPPORTING THE INVESTIGATION PROCESS: This section of the exam assesses the candidate's knowledge of investigative procedures and reporting requirements. Candidates must show they understand how to appropriately report high-profile suspicious activity reports (SARs) or suspicious transaction reports (STRs) to both internal management and external regulatory authorities.
Topic 4
  • COMPLIANCE STANDARDS FOR ANTI-MONEY LAUNDERING (AML) AND COMBATING THE FINANCING OF TERRORISM (CFT): This section assesses understanding of the key compliance frameworks and principles related to AML and CFT.

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2025 Useful ACAMS CAMS Exam Test

Users don't need to install any plugins or software to attempt the ACAMS CAMS practice exam. All operating systems support this format. The third and last format is Certified Anti-Money Laundering Specialists CAMS desktop software that can be used on Windows computers. The customers that have Windows laptops or computers can attempt the practice exam and prepare for it efficiently. These formats are in use by a lot of applicants currently and they are preparing for their best future on daily basis. Even the customers who have used it in the past for the preparation of ACAMS CAMS Certification Exam have rated our product as one of the best.

The CAMS certification exam covers a wide range of topics related to AML, including risk assessments, customer due diligence, transaction monitoring, and sanctions compliance. CAMS exam is designed to test the knowledge and skills of AML professionals and ensure that they are able to effectively identify, prevent, and detect money laundering activities. CAMS Exam consists of 120 multiple-choice questions that must be completed within a four-hour time limit.

ACAMS Certified Anti-Money Laundering Specialists Sample Questions (Q349-Q354):

NEW QUESTION # 349
Which of the following is the best action to take regarding a particular account once suspicious activity is reported by the institution?

  • A. Notify the client that the transaction has been reported.
  • B. Freeze the funds pending notification from the competent authority.
  • C. Secure all supporting documentation.
  • D. Immediately close the account.

Answer: C

Explanation:
According to the BSA/AML Manual1, once a financial institution files a SAR, it should maintain a copy of the SAR and the original or business record equivalent of any supporting documentation for a period of five years from the date of filing the SAR. The supporting documentation should be identified and maintained by the financial institution as such, and be deemed to have been filed with the SAR. The financial institution should make all supporting documentation available to FinCEN or any federal, state, or local law enforcement agency, or any federal regulatory authority that examines the financial institution for compliance with the BSA, upon request. Therefore, the best action to take regarding a particular account once suspicious activity is reported by the institution is to secure all supporting documentation, as it may be needed for further investigation or examination.
Reference:
BSA/AML Manual1
Suspicious Activity Reporting - Overview2
Suspicious Activity Report (SAR) Basics3


NEW QUESTION # 350
What is one of the indicia of a Black Market Peso Exchange?

  • A. A transfer of U.S. dollars to Central or Sourth America to be converted into pesos
  • B. A large deposit of pesos converted into U.S. dollars
  • C. An illegal entity that exchanges pesos for U.S. dollard for illegal immigrants
  • D. A wire transfer from a third party not connected with a transaction

Answer: C


NEW QUESTION # 351
Which is a key role of FATF-Style Regional Bodies (FSRBs)?

  • A. Support the system of mutual evaluation
  • B. Setting regional standards for combatting money laundering
  • C. Enforce the specific FATF laws in the region
  • D. Bring additional terrorist financing laws into action in the region

Answer: A

Explanation:
one of the key roles of FATF-Style Regional Bodies (FSRBs) is to support the system of mutual evaluation, which is a peer review process that assesses the level of compliance and effectiveness of each member country's anti-money laundering and counter-terrorism financing (AML/CFT) regime12. FSRBs conduct mutual evaluations in accordance with the FATF's methodology and standards, and share the results and recommendations with the FATF and other FSRBs3. Mutual evaluations help identify the strengths and weaknesses of each country's AML/CFT system, and provide a basis for technical assistance and follow-up actions4.
References:
* What are the 9 FATF-Style Regional Bodies (FSRBs)? - Sygna1
* FATF-Style Regional Bodies (FSRBs) - Asia/Pacific Group on Money Laundering2
* The Role of FATF Style Regional Bodies (FSRBs) in Combating ... - IDMerit3
* 9 FATF-Style Regional Bodies (FSRBs) - fineksus.com4


NEW QUESTION # 352
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?

  • A. Human trafficker
  • B. Politically exposed person
  • C. Money laundering through real estate
  • D. Shell company

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.
References:
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 # 353
Which red flags should be considered prior to establishing a relationship with a third party? (Select Two.)

  • A. The third party has sufficient capability to provide the services or goods for which it is being engaged.
  • B. The third party has requested unusual payment or billing procedures.
  • C. The third party has a lack of anti-corruption compliance clauses in agreements.
  • D. The third party has a declaration of non-family or business ties with government officials.
  • E. The third party's amount to be paid for goods and services appears to be reasonable.

Answer: B,C

Explanation:
The red flags that should be considered prior to establishing a relationship with a third party are the lack of anti-corruption compliance clauses in agreements (A) and unusual payment or billing procedures requested by the third party (C). According to the Certified Anti-Money Laundering Specialist (CAMS) Sixth Edition manual, "red flags include, but are not limited to: [...] lack of anti-corruption compliance clauses in agreements (page 330) and unusual payment or billing procedures requested by the third party (page 331)."


NEW QUESTION # 354
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