Dead men Tell no Tales

There's a hard-boiled plot that starts with a disaster at sea. There's stolen gold and gun-play. There's suspense, there's a good guy, some really bad guys, and at least two complex characters who contain a modern amount of both good and bad. One of whom is a dame. Wait, I don't think that word came into fashion until a couple of decades after this book was written. But, still, it seems to fit.