Lead AML Specialist
GBI, New York, NY, United States
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.
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
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)
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
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
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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.
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
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)
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
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
#J-18808-Ljbffr