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Die ACAMS CAMS (Certified Anti-Money Laundering Specialists) Zertifizierungsprüfung ist ein weltweit anerkanntes professionelles Zertifizierungsprogramm, das darauf abzielt, Finanzkriminalitäts-Experten das Wissen und die Fähigkeiten zu vermitteln, die zur Erkennung, Verhinderung und Eindämmung von Geldwäscheaktivitäten erforderlich sind. Die Zertifizierungsprüfung soll das Verständnis der Kandidaten für die neuesten internationalen AML/CFT (Anti-Geldwäsche/Finanzierung des Terrorismus) Grundsätze, Standards und Praktiken bewerten.

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ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) CAMS Prüfungsfragen mit Lösungen (Q108-Q113):

108. Frage
When performing a risk assessment, which factors should be considered when identifying and measuring risk? (Choose two.)

A. Company culture
B. Product offerings
C. Regulatory environment
D. Financial performance
E. Customer composition

Antwort: B,E

Begründung:
Customer composition and product offerings are two important factors that affect the level of risk exposure for a financial institution (FI) in terms of money laundering and terrorist financing. Customer composition refers to the types of customers that the FI serves, such as individuals, businesses, non-profit organizations, or politically exposed persons (PEPs). Different customer segments may pose different levels of risk depending on their activities, sources of funds, geographic locations, and connections to other entities. For example, customers that are cash-intensive, have complex ownership structures, operate in high-risk jurisdictions, or are associated with PEPs may present higher risk indicators than customers that are transparent, regulated, and operate in low-risk jurisdictions12. Product offerings refer to the types of products, services, and transactions that the FI provides, such as deposits, loans, wire transfers, trade finance, or digital assets. Different products, services, and transactions may have different levels of vulnerability to money laundering and terrorist financing depending on their features, complexity, volume, and speed. For example, products that are anonymous, involve high-value or cross-border transfers, enable rapid movement of funds, or involve new or emerging technologies may present higher risk indicators than products that are identifiable, involve low-value or domestic transfers, require multiple verification steps, or involve established or traditional technologies12.
Reference:
1: Risk Assessment: Risk Factors & Mitigating Measures2
2: Risk Assessment: Process, Examples, & Tools1

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

Antwort: D

Begründung:
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

110. Frage
The compliance officer for a private bank has been tasked with reviewing the procedure for authorized signatories on customer accounts to ensure it is in line with relevant Wolfsberg Anti-Money Laundering Principles for Private Banking.
Which three statements from the procedure are in line with Wolfsberg? (Choose three.)

A. The responsible private banker must obtain the necessary documentation establishing the authorized signer's authority to act on behalf of the account holder or beneficial owner (e.g. a Power of Attorney).
B. Where due diligence has been satisfactorily completed on all authorized signers, the responsible private banker may reduce the due diligence performed on the account holder and/or beneficial owner.
C. The responsible private banker must establish the identity of a holder of general powers over an account (e.g. a signatory for the account) and, as appropriate, verify that identity.
D. If an individual has signing authority over an account but does not act on a professional basis as a manager of funds, the responsible private banker must understand and document the relationship between that authorized signer, the account holder, and, if different, the beneficial owner of the account.
E. Where the Authorized Signatory is not a lawyer or accountant, due diligence as to the source of funds and wealth of the Authorized Signatory should be undertaken.

Antwort: A,C,D

Begründung:
The three statements from the procedure that are in line with Wolfsberg are:
B: The responsible private banker must establish the identity of a holder of general powers over an account (e.g. a signatory for the account) and, as appropriate, verify that identity. This is consistent with the Wolfsberg Principle 1.2.1, which states that the bank will establish the identity of its clients and beneficial owners prior to establishing business relationships with such persons1.
D: The responsible private banker must obtain the necessary documentation establishing the authorized signer's authority to act on behalf of the account holder or beneficial owner (e.g. a Power of Attorney). This is consistent with the Wolfsberg Principle 1.2.3, which states that the bank will obtain the necessary documentation establishing the authority of the authorized signatory to act on behalf of the client or beneficial owner1.
E: If an individual has signing authority over an account but does not act on a professional basis as a manager of funds, the responsible private banker must understand and document the relationship between that authorized signer, the account holder, and, if different, the beneficial owner of the account. This is consistent with the Wolfsberg Principle 1.2.4, which states that the bank will understand and document the relationship between the authorized signatory, the client and, if different, the beneficial owner of the account1.
References:
1: Wolfsberg Anti-Money Laundering Principles for Private Banking (2012)

111. Frage
A retail bank has just acquired a credit card business. The bank's anti-money laundering policy requires that new employees are trained within 30 days of their hire date and refresher training is delivered to all employees on an annual basis.
Is the bank's existing anti-money laundering training adequate to be delivered to employee of the newly acquired credit card business?

A. No, anti-money laundering training needs to be delivered face-to-face for credit card businesses.
B. No, anti-money laundering training needs to be tailored and focused on the risks specific to the business.
C. Yes, the existing training covers the anti-money laundering regulations that the bank is required to follow.
D. Yes, the existing training covers the bank's policies, procedures, and processes.

Antwort: B

112. Frage
In which of the following cases can a financial institution disclose a suspicious activity report (SAR)?

A. A third-country police directly inquires about the customer.
B. An external consultant inquires about the details of the SAR
C. A customer asks about potential reporting to the local Financial Intelligence Unit (Fill)
D. A court order requests the bank to disclose the SAR subject to obtaining agreement from the legal team

Antwort: D

Begründung:
A financial institution may disclose a SAR only under a valid court order and after ensuring legal review and compliance with jurisdictional requirements. In most jurisdictions, SARs are highly confidential, and unauthorized disclosure - known as "tipping off" - is prohibited.

113. Frage
......

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ACAMS Certified Anti-Money Laundering Specialist (CAMS7 the 7th edition) CAMS Prüfungsfragen mit Lösungen (Q108-Q113):

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