Lead AML Specialist

Company Description

GBI is a leading precious metals trading platform that enables individuals and institutional clients to buy, sell, and hold physical gold, silver, platinum, and palladium. We take compliance seriously — our KYC and AML program is a core part of how we maintain trust with our customers and regulators alike. We are looking for a dedicated compliance professional to own this function end-to-end.

Role Description

The KYC/AML Compliance Analyst will be the primary owner of GBI's customer onboarding compliance program. This individual will be responsible for reviewing and approving new account applications, managing our third-party KYC/AML platform configuration, building and maintaining customer risk profiles, and ensuring our processes remain aligned with FinCEN, BSA, and precious metals dealer regulations. This is a hands-on, ownership-oriented role where the successful candidate will take initiative to define, design, and continuously improve GBI's KYC/AML program — not simply execute within one. It is best suited for a compliance professional who thrives in a fast-paced fintech environment, values a customer-friendly onboarding experience, and wants to build something meaningful.

Core Responsibilities

Account Onboarding & Document Review

•       Review and adjudicate new account applications submitted by retail and institutional customers

•       Examine and verify identity documents including government-issued IDs, passports, and business formation documents (Articles of Incorporation, EIN letters, operating agreements)

•       Conduct Enhanced Due Diligence (EDD) for high-risk customers, PEPs, and complex entity structures

•       Approve, pend, or decline account applications based on risk assessment findings

•       Communicate professionally with customers and internal teams to resolve document deficiencies

•       Create KPI’s and report to management on a weekly basis

KYC/AML Platform Configuration & Management

•       Own the configuration of GBI's third-party compliance platforms: Socure (identity verification), Riskified, and Signifyd

•       Build and tune rule sets, decision logic, and automated workflow triggers within the platform

•       Manage vendor relationships and escalate platform issues or enhancement requests

•       Monitor system performance and flag configuration gaps that create compliance exposure

Risk Profiling & Ongoing Monitoring

•       Develop and maintain customer risk rating methodologies appropriate for the industry

•       Assign and periodically reassess risk scores across the customer base

•       Monitor transactional activity for AML red flags and unusual patterns

•       Conduct periodic reviews (annual, triggered) of existing customer profiles

Regulatory Compliance & Reporting

•       Ensure GBI's KYC/AML program remains current and compliant with applicable regulations including:

–      Bank Secrecy Act (BSA)

–      FinCEN Customer Due Diligence (CDD) Rule

–      OFAC/Sanctions screening requirements

•       File Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) as required

•       Maintain thorough records in support of regulatory examinations and audits

Process Ownership & Improvement

•       Document KYC/AML policies, procedures, and workflows and keep them current

•       Identify operational gaps and propose improvements to reduce manual effort and risk

•       Partner with technology and product teams on compliance-related feature development

•       Train internal staff on KYC/AML requirements and escalation procedures

•       Maintain records of cadenced meetings, management approvals, training sessions, SAR filings, etc.

Required Qualification

•       3–6 years of hands-on KYC/AML experience, preferably in fintech, payments, commodities, or a regulated financial services environment

•       Direct experience reviewing and approving customer identity documents and onboarding files

•       Working knowledge of BSA/AML regulatory requirements, CDD rules, OFAC screening, and SAR/CTR obligations as they apply to precious metals dealers

•       Experience configuring or working within KYC/AML technology platforms; hands-on experience with Socure, Riskified, or Signifyd is a strong plus

•       Demonstrated ability to build or contribute to risk rating frameworks and customer risk profiles

•       Strong attention to detail and ability to make sound, documented decisions on complex cases

•       Excellent written communication skills for case documentation and customer correspondence

Preferred Qualification

•       CAMS (Certified Anti-Money Laundering Specialist) certification — strongly preferred

•       CFCS (Certified Financial Crime Specialist) or CFE (Certified Fraud Examiner) a plus

•       Familiarity with AI and machine learning tools in a risk or compliance context, include experience developing governance frameworks or policies around their use

•       Prior experience at a precious metals dealer, commodity trading firm, or FinCEN-regulated MSB

•       Experience owning AML program design rather than solely executing tasks within an established program

•       Exposure to CIP (Customer Identification Program) design and documentation

Key Competencies

Ownership Mindset

Takes accountability for outcomes, not just tasks

Regulatory Acumen

Keeps pace with evolving BSA/AML obligations

Analytical Judgment

Makes sound decisions on ambiguous or complex cases

Tech-Forward

Comfortable configuring and optimizing compliance tooling

Communication

Clear and professional across customers and internal teams

Process Builder

Documents, refines, and scales compliance workflows

What We Offer

•       Competitive base salary ($80,000 – $120,000) commensurate with experience

•       Performance bonus tied to compliance program health and operational metrics

•       Health, dental, and vision insurance

•       401(k) with company match

•       Hybrid work schedule — 2 to 3 days per week in our New York City office

•       A high-impact role with direct visibility to senior leadership