ALM Senior Associate - Liquidity & Capital Planning

PNC Financial Services Group, Inc.; New York (NY); On-site; USD 86,000 - 173,000; Full time

Benefits offered by this job

Medical coverage

Dental & Vision

401(k) with match

Pension and stock purchase plans

Job summary

PNC Financial Services Group, Inc. seeks an ALM Senior Associate - Liquidity & Capital Planning based in Pittsburgh, PA or New York, NY. The role focuses on forecasting, balance sheet optimization, and analytics to support growth and risk management.

As part of Corporate Treasury, you’ll partner with Finance, Risk, and executives to optimize capital and liquidity while navigating market and regulatory environments. The job emphasizes in-office collaboration and a strong analytical skill set.

Qualifications

• Bachelor's degree required; 3+ years of relevant experience often expected.
• Strong knowledge of liquidity and capital planning concepts.
• Ability to perform stress testing and scenario analysis.

Responsibilities

• Lead financial analysis and reporting for liquidity and capital planning.
• Perform data aggregation and quality assurance for management reporting.
• Support stress testing and capital/ liquidity analytics.
• Collaborate with internal partners and prepare executive materials.
• Use independent judgment to set forecasts and key drivers.

Skills

Asset Allocation

Auditing Operations

Capital Management

Data Analytics

Financial Analysis

Market Research

Strategic Planning

Education

Bachelors

Job description

Position Overview

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a(n) [position title] within PNC's [name of division] organization, you will be based in [city/state location of position].

Job Profile

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success.

Position Overview

As an ALM Senior Associate - Liquidity & Capital Planning within PNC's Finance organization, you will be based in Pittsburgh, PA or New York, NY.

Corporate Treasury plays a central role in managing the organization's capital, liquidity, and funding resources to support PNC's strategic objectives. Through forecasting, scenario analysis, and balance sheet optimization, the Corporate Treasury team provides critical analytics and insights that inform decisions on growth, profitability, risk management, and capital deployment.

Treasury partners closely with business leaders, Finance, Risk, and executive management to navigate changing market, economic, and regulatory environments while ensuring the company's financial strength and resilience. Treasury's core functions include Capital Management, Liquidity Management, Profitability & Risk-Adjusted Returns, Credit Loss Projections and Stress Testing.

Capital Management is responsible for optimizing the bank's capital position while supporting growth, managing risk, and meeting regulatory expectations. The team develops capital forecasts, evaluates the impact of economic and business scenarios, and provides analysis that informs strategic decisions related to capital allocation, balance sheet management, and capital returns.

Capital Management also leads risk-weighted asset forecasting and analytics and partners with senior leadership to ensure the effective deployment of capital across the enterprise.

PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

• Leads financial analysis, conducts research and prepares reports. Performs due diligence and statistical analysis related to liquidity and capital planning management. Participates in stress testing efforts.


• Reviews peer research in relation to liquidity and capital planning. Presents research summary to executive management.


• Manages and performs defined procedures, analyses and report preparation. Performs data aggregation and quality assurance to ensure timely and accurate management reporting. Performs routine transactions as part of the group's liquidity and capital management responsibilities.


• Using independent judgment, defines analysis required in the forecast, such as setting assumptions and determining key drivers.


• Collaborates with internal partners on topics related to liquidity and capital planning. Assists with the development of executive or board-level presentations.


• Assists in analytics/stress testing as it relates to capital and liquidity.

PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:

• Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.


• Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

Qualifications

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.

Preferred Skills

Asset Allocation, Auditing Operations, Business Case Analyses, Capital Management, Data Analytics, Financial Analysis, Market Research, Strategic Planning

Competencies

Accuracy and Attention to Detail, Asset and Liability Management (ALM), Data Gathering and Reporting, Effective Communications, Financial Analysis, Financial Forecasting and Modeling, Financial Services Industry, Liquidity Management, Market Risk, Regulatory Environment - Financial Services

Work Experience

Roles at this level typically require a university / college degree, with 3+ years of relevant / direct industry experience. Certifications are often desired. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

Education

Bachelors

Certifications

No Required Certification(s)

Licenses

No Required License(s)

Language Assessments

No Required or Preferred Language Assessments

Pay Transparency

Base Salary: $86,250.00 - $172,500.00

Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.

Application Window

Generally, this opening is expected to be posted for two business days from 10/09/2026, although it may be longer with business discretion.

Benefits

PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.

In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.

To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com.

Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact us via email at [e-mail]. Please include 'accommodation request' in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say \"Workday\" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

Equal Employment Opportunity (EEO)

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

California Residents

Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.