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Last Updated: Aug 03, 2026

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ACAMS CAMS Practice Q&A's

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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.

Who Is It for?

The CAMS endorsement is ideal for those seeking to signify a high understanding of international AML/CFT principles. Obtaining this certification will help recognize you as an AML/CFT authority and prevent institutional financial crime risks.

Reference: https://www.acams.org/sites/default/files/2024-02/EN-CAMS_011924.pdf

Who should take the CAMS exam

The CAMS certification is an internationally-recognized credential that identifies persons who earn it as possessing specialized AML knowledge. AML professionals who earn the CAMS designation position themselves to be leaders in the business and to expertise professional growth. If a candidate wants significant improvement in career growth needs enhanced knowledge, skills, and talents. The CAMS certification provides proof of this advanced knowledge and skill. If a person fulfills the following eligibility requirements of the CAMS exam then he should take this exam.

  • Submit supporting documents.
  • Provide three professional references.
  • Document a minimum of 40 qualifying credits based on education, other professional certification and professional expertise in the field.

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ACAMS CAMS Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Risks and Methods of Money Laundering and Terrorist Financing26%- Sanctions and related risks
  • 1. UN, EU, OFAC and other sanctions regimes
  • 2. Consequences of non-compliance
- Sector-specific vulnerabilities
  • 1. Money services businesses
  • 2. Precious metals and high-value goods
  • 3. Real estate
  • 4. Securities and capital markets
  • 5. Banking and deposit-taking institutions
  • 6. Legal and professional service providers
  • 7. Gaming and casinos
  • 8. Insurance sector
- Money laundering stages and mechanisms
  • 1. Placement, layering, integration
  • 2. Trade-based money laundering
  • 3. Terrorist financing methods
Topic 2: Conducting and Responding to Investigations21%- Disciplinary and remedial actions
  • 1. Preventing recurrence
  • 2. Corrective measures and sanctions
- Information sharing and cooperation
  • 1. Working with FIUs and law enforcement
  • 2. Domestic and international cooperation
- Detection and red flags
  • 1. Industry-specific red flags
  • 2. Identifying suspicious activities and transactions
- Investigation process and case management
  • 1. Case documentation and reporting
  • 2. Evidence gathering and analysis
Topic 3: Compliance Standards for AML/CFT25%- International organizations and bodies
  • 1. Egmont Group of Financial Intelligence Units
  • 2. Standard-setting bodies
  • 3. Financial Action Task Force
- Global regulatory frameworks
  • 1. Wolfsberg Principles
  • 2. FATF 40 Recommendations
  • 3. EU AML Directives
  • 4. Basel Committee guidelines
  • 5. USA PATRIOT Act and national regulations
- Risk-based approach fundamentals
  • 1. Principles of risk assessment
  • 2. Application across jurisdictions
Topic 4: AML/CFT Compliance Programs28%- Core elements of compliance programs
  • 1. Governance and oversight
  • 2. Risk assessment and management
  • 3. Policies, procedures and controls
- Training, audit and independent review
  • 1. Staff training programs
  • 2. Continuous improvement
  • 3. Internal and external audit functions
- Customer due diligence requirements
  • 1. Ongoing monitoring
  • 2. Beneficial ownership identification
  • 3. KYC/CDD and enhanced due diligence
- Reporting and record-keeping
  • 1. Suspicious activity reporting (SAR/STR)
  • 2. Record retention requirements

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