CAMC™ — Certified Anti-Money Laundering Consultant
The GAFM® global certification designed for attorneys, compliance officers, auditors, and consultants who structure anti-money laundering programs — featuring the FATF 40 Recommendations, AMLD6, Bank Secrecy Act, Wolfsberg Principles, sanctions, and the Travel Rule.
“Follow the Money. The Global Standard for Financial Integrity.”
The credential for those who structure and defend the compliance program
From alert to proof
The seven modules cover the consultant's entire decision chain: from customer identification and ultimate beneficial ownership to risk rating, from monitoring alert to documented investigation, from reporting decision to remediation and program defense before the regulator.
The Global Consultant Hexalogy
CAMC™ is part of the GAFM Six Crown — CAMC™, CRA®, CTS™, CCP™, CFOS™, and CTEP™ — enabling you to stack designations on the same business card.
Dual ISO standard
GAFM was the world's first financial certification body to simultaneously obtain ISO 9001 (quality) and ISO 29990 (training and education) certifications. Credentials verifiable online at GAFM.org.
Professionals accountable for the compliance program before the regulator
The seven modules
- The derivative offense: predicate crime, self-laundering, and comparative regimes
- The three stages: placement, layering, and integration
- FATF: 40 Recommendations, mutual evaluation, and jurisdiction lists
- Terrorist financing, proliferation financing, and targeted financial sanctions
- The due diligence cycle: SDD, CDD, and EDD
- Beneficial ownership: thresholds, effective control, and multi-layered structures
- Politically exposed persons, correspondent banking, and high-risk jurisdictions
- Know Your Partner, Vendor, and Employee
- The risk-based approach and enterprise-wide risk assessment
- The four dimensions: customer, product, channel, and geography
- Inherent risk, control effectiveness, and residual risk
- National risk assessment, sectoral assessments, and external consistency
- Scenarios, calibration, and monitoring coverage
- Multi-tiered investigation and building the decision
- Anatomy of a suspicious activity report and prohibition against tipping-off
- Financial intelligence units, information exchange, and feedback
- Designated non-financial businesses and professions (DNFBPs)
- Virtual assets, Travel Rule, and blockchain analysis
- Trade-based money laundering and other high-risk typologies
- Program implementation in sectors without preexisting structures
- Governance, designated officer, and three lines of defense
- Minimum program elements and proof of execution
- Sanctions: screening, freezing, and extraterritorial reach
- Enforcement: gradation, settlements, and personal liability
- Project design, scoping, and pricing
- Independent program audit
- Forensic expertise, expert witness testimony, and financial evidence
- Ethics, conflicts of interest, and professional responsibility
Five phases. Merit-based progression.
- Rounds
- 1–10
- Pts/round
- 1
- Phase total
- 10 pts
- Min. to advance
- 5 pts
- Rounds
- 11–20
- Pts/round
- 2
- Phase total
- 20 pts
- Min. to advance
- 10 pts
- Rounds
- 21–30
- Pts/round
- 9
- Phase total
- 90 pts
- Min. to advance
- 45 pts
- Rounds
- 31–40
- Pts/round
- 16
- Phase total
- 160 pts
- Min. to advance
- 80 pts
- Rounds
- 41–50
- Pts/round
- 25
- Phase total
- 250 pts
- Min. to advance
- 125 pts
Five deliverables ready for use in any AML/CFT engagement.
Technical content, deliberate practice, and direct support from the GAFM® Specialist — plus the templates you take into your first client engagement after certification.
AML Risk Assessment Matrix
Risk assessment matrix across customer, product, channel, and geography, with weightings, inherent risk, control effectiveness, and residual risk calculation — the core of the risk-based approach required by regulators.
CDD / EDD & UBO Toolkit
Identification and verification forms, enhanced due diligence guidelines, corporate chain unbundling tree down to the beneficial owner, and politically exposed person checklist.
Scenario & Alert Playbook
Library of monitoring scenarios with calibration parameters, tiered triage criteria, investigation log, and false-positive / alert productivity metrics.
SAR / STR Writing Template
Suspicious activity reporting template with structured narrative, chronology, supporting evidence, grounds for suspicion, and confidentiality controls against tipping-off.
AML Program & Sanctions Pack
AML/CFT policy, procedures manual, delegation of authority matrix, training plan, independent audit roadmap, and sanctions screening, escalation, and freezing workflow.
From registration to CAMC™ credential
- 01Enrollment
Program enrollment and immediate release of technical handbook, CAMC™ toolkit, and simulator.
- 02Study · 4 months
Study of official handbook, unlimited practice across the simulator's 50 scenarios, and Q&A chat with the Specialist.
- 031:1 Mentorship
30-minute online meeting with GAFM® Specialist, with simultaneous translation in over 50 languages.
- 04Certification exam
4-hour official exam with 100 questions covering risk classification, beneficial ownership tests, and reporting decision, plus case study: multi-jurisdictional chain alert investigation with suspicious activity report and program remediation plan. Passing score ≥ 70%.
- 05CAMC™ Credential
Issuance of title and digital verifiable badge at GAFM.org.
Three pathways to certification, at the GAFM Elite standard. Mandatory ethics across all.
Pathway A — Experience Fast-track
Minimum of 3 years of experience in anti-money laundering, compliance, audit, investigation, banking supervision, legal, or consulting, plus a bachelor's degree recognized by an accredited institution.
Pathway B — Education
Bachelor's degree and completion of the 50-hour GAFM-Approved CAMC™ course, covering the program's eight official curriculum chapters.
Pathway C — Certifications (waiver)
Holders of CWM, CRA®, CFOS™, CTEP™, CTS™, CPA, CRC, CFA, CIA, CFE, or a Master's degree in Law, Business Administration, or Finance enjoy streamlined access — the most popular route for those who already sign compliance opinions.
Regardless of the pathway chosen, all candidates sign the GAFM Code of Ethics and undergo a mandatory background check covering criminal records, disciplinary proceedings before professional bodies, and relevant litigation history.
CAMC™ (GAFM) vs. standard anti-money laundering compliance course
Unlike a generic compliance course or local regulatory training, CAMC™ integrates into a single curriculum the FATF standard, comparative regimes, documented investigation, and the proof of execution that regulators and enforcement authorities demand.
| Criterion | CAMC™ (GAFM) | Standard AML / Compliance Course |
|---|---|---|
| Regulatory framework | FATF 40 Recommendations + AMLD5/AMLD6 + Bank Secrecy Act and USA PATRIOT Act + Wolfsberg + OFAC, UN, EU, and OFSI sanctions | Isolated local regulation, without comparative analysis of regimes |
| Risk methodology | Risk-based approach with four dimensions, inherent risk, control effectiveness, and documented residual risk | Generic high, medium, and low classification |
| Deliverable templates | 5 ready-to-use templates: risk matrix, CDD/EDD and UBO, scenarios and alerts, suspicious activity report, and program and sanctions pack | No deliverable templates |
| Commercial practice | Teaches how to scope, price across three phases, conduct independent audits, and defend the program before regulators | Does not teach how to sell or defend the engagement |
| Professional designation | CAMC™ designation recognized at GAFM.ORG | No global designation |
20 hours of CPE per year.
Maintaining active CAMC™ credential status requires completing 20 hours of Continuing Professional Education (CPE) per year, including mandatory updates on revisions to FATF Recommendations, emerging typologies, and changes in sanctions regimes. Failure to comply leads to suspension of the title and potential revocation of the credential.
4 hours. 100 questions. One comprehensive case study.
The final stage is the official GAFM® exam, scheduled by the candidate within the 4-month window. It consists of 100 online questions covering risk rating, beneficial ownership testing, scenario calibration, and reporting decisions, featuring a comprehensive final case study involving the investigation of alerts across a multi-jurisdictional payment chain, culminating in a suspicious activity report and a program remediation plan. Passing score is 70% or higher.
Frequently Asked Questions about CAMC™
Do I need prior experience in a financial institution?+
No. Chapters 1 through 3 establish the complete foundation — predicate crimes, the three stages, FATF standards, due diligence, and the risk-based approach — through practical cases, with ready-to-use toolkit templates. The program also covers designated non-financial sectors, where most compliance gaps occur.
Is CAMC™ suitable for attorneys, or is it exclusively a financial certification?+
It is especially valuable for attorneys. The program addresses the functional criteria that bring law firms under obliged entity status, the boundaries of professional legal privilege, due diligence on source of funds in real estate and M&A transactions, and defense in regulatory investigations and settlement negotiations.
How does the program address cryptoassets and the Travel Rule?+
Chapter 5 covers FATF Recommendation 15 and the Travel Rule, obligations of virtual asset service providers (VASPs), unhosted wallets, blockchain analytics with direct and indirect exposure, mixers, sanctioned addresses, and written policy for transaction limits and freezing.
Who needs the CAMC™ certification?+
Attorneys, compliance officers and designated MLROs, monitoring analysts, internal and independent auditors, accountants, forensic experts, professionals at virtual asset service providers, and consultants, as well as holders of CRA®, CFOS™, CTEP™, or CTS™ who need to integrate AML/CFT into their practice.
What are the prerequisites for enrollment?+
There are three admission pathways: Pathway A (3 years of experience in AML, compliance, audit, investigations, supervision, or consulting, plus a bachelor's degree), Pathway B (bachelor's degree plus the 50-hour GAFM-Approved CAMC™ course), and Pathway C (waiver for holders of CWM, CRA®, CFOS™, CTEP™, CTS™, CPA, CRC, CFA, CIA, CFE, or a Master's degree).
Do I need to be fluent in English to take the program?+
No. In the Brazilian track, content is delivered with technical terms presented in both Portuguese and English — making it easier to communicate with international regulators, correspondent banks, and foreign auditors.
Your GAFM® Certification in Anti-Money Laundering starts now
Final exam scheduled at the end of four months, with a verifiable digital badge for those who pass.