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ACAMS Exam Questions
- Topic 1: Risks andMethods of Money Laundering and Terrorism Financing: This section measures the skills of Anti-Money Laundering Specialist and covers definitions of AML CFT sanctions and related financial crime concepts. It includes how money laundering and terrorist financing occur across various sectors and products such as banking, insurance, real estate, gaming, high value items, and professional services. It also emphasizes recognizing the typical red flags and typologies associated with money laundering and financing terrorism, including emerging risks tied to technology and new methods of concealment.
- Topic 2: Building an Anti-financial Crime Compliance Program: This section measures the skills of Compliance Manager and focuses on designing, implementing, and governing an effective AFC program. Topics include the core pillars of AFC programs, the three lines of defense, risk appetite statements, and enterprise risk assessment. It covers building a risk-based approach, differentiating policies standards and procedures, staying aligned with regulatory guidance, and establishing governance through appropriate committees. It also covers FATF and UN roles, regulator and law enforcement coordination, and public-private partnerships for data sharing and collaboration across jurisdictions. The section then moves into detailed onboarding and ongoing controls, including KYC CDD EDD, sanctions screening, suspicious activity monitoring, and the use of AI/ML tools. It concludes with evaluating AFC tools, data quality, and the balance between customer experience and risk controls.
- Topic 3: Global AFC Frameworks Governance and regulations: This portion measures the skills of AFC Governance Lead and covers international and regional frameworks, regulatory bodies, and the coordination among regulators, FIUs, and law enforcement. Topics include KPIs KRIs and board reporting needs, cross-border reporting requirements, and the integration of controls across customer lifecycles. It also addresses the design and monitoring of controls such as KYC CDD EDD due diligence, and risk assessments across different products and services, including high-risk customers and jurisdictions. The section stresses the importance of awareness of AFC sanctions regimes across different regions, and the value of public-private collaboration for data and intelligence sharing.
- Topic 4: Tool Sand Technologies to Fight Financial Crime: This part covers practical capabilities for implementing AFC controls. It includes the selection and integration of tools across the customer lifecycle, data quality, and the use of digital onboarding and identity verification technologies. Topics include onboarding and ongoing screening sources such as credit references, beneficial ownership registers, adverse media, criminal records, and government identity checks, plus sanctions screening against UN OFAC EU lists and other watch lists. It also discusses ongoing controls like AI/ML-driven monitoring, list management, transaction screening including SWIFT and blockchain transactions, and the evolution from rules-based to AI-enhanced monitoring. The section also considers privacy data protection, tool selection, and the operational impact of deploying AFC technologies in a risk-based framework.
- Topic 5: Examination Day Operations and Ethics: This area outlines the practicalities of exam logistics and integrity. It covers scheduling, rescheduling, and refund policies, ID requirements, and the importance of exam security. It describes acceptable and prohibited items in test centers, center problem reporting, inclement weather procedures, and options for online proctoring where available. It also explains confidentiality, results reporting, retake policies, and the process for appeals in cases of denial or revocation. The section emphasizes the need to maintain the integrity of exam materials and to adhere to privacy and data protection standards during investigations and in reporting procedures.
Free Acams CAMS Exam Actual Questions
Note: Premium Questions for CAMS were last updated On Apr. 20, 2026 (see below)
Which of the following is a benefit of public-private partnerships (PPP)?
Public-private partnerships (PPPs) are a key component of modern AML/CFT frameworks and are strongly encouraged by FATF and national regulators. Their primary benefit lies in enhancing timely and effective information sharing between financial institutions, regulators, law enforcement, and financial intelligence units (FIUs).
Through PPPs, authorities can share typologies, red flags, and emerging threat intelligence, while private institutions contribute operational insights derived from real transaction data. This rapid exchange of information on risks, high-risk activities, and suspicious actors significantly improves the detection and prevention of money laundering and terrorist financing.
PPPs do not exist to source staffing resources, provide salaries, or ensure basic understanding of regulatory concepts such as PEPs, which are already addressed through standard AML requirements. Their true value is the speed, quality, and relevance of shared intelligence, allowing participants to respond more effectively to evolving financial crime threats.
Which of the following are key components of the Know Your Customer (KYC) process? (Select Two.)
Which suspicious activity may be the strongest indicator of money laundering through a casino?
Which risks are specifically associated with the misuse of gaming accounts in financial crime? (Choose three.)
Risks tied to the misuse of gaming accounts include transferring illicit funds between players undetected, structuring transactions to avoid reporting thresholds, and providing false personal information to evade KYC and regulatory oversight, all of which can facilitate money laundering and other financial crimes.
Which of the following serves as an example of a successful public-private partnership (PPP)?
The AUSTRAC Fintel Alliance is a successful example of a public-private partnership (PPP). It brings together government agencies and private sector organizations to collaborate on detecting, preventing, and disrupting financial crime through shared intelligence, technology, and expertise.
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