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 Qualifications
- 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 Qualifications
- 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