Independent Tech Risk Manager Sr

PNC Bank NA; Pittsburgh (Allegheny County); On-site; USD 146,000 - 326,000; Full time

Benefits offered by this job

Medical benefits

Dental and vision coverage

401(k) with company match

Pension and stock purchase plans

Education assistance

Wellness program

Job summary

PNC is seeking an experienced Independent Tech Risk Manager Senior to lead fraud risk oversight within the BSA/AML function. Based in multiple US cities including Pittsburgh, the role combines deep subject-matter expertise with hands-on risk advisory across enterprise fraud programs.

You will partner with business, operations and technology leaders to identify threats, assess controls and drive risk-informed decisions.

Qualifications

• 15+ years of experience in fraud risk management, financial crimes, or related fields in banking/financial services.
• Expertise across multiple fraud domains including payment, account takeover, identity and digital fraud.
• Strong understanding of enterprise risk management and second line of defense responsibilities.
• Ability to influence senior leaders without direct reporting authority.

Responsibilities

• Provide independent oversight and credible challenge of fraud risk management activities across lines of business and IT.
• Assess design and effectiveness of fraud controls including prevention, detection, investigation and recovery.
• Evaluate emerging fraud threats and loss trends to recommend mitigations.
• Challenge risk assessments, control assessments, and remediation plans with governance bodies.
• Translate complex fraud risks into clear narratives for senior management and risk committees.
• Support development of fraud risk frameworks, policies, and reporting.
• Monitor key risk indicators and escalate material concerns through governance channels.

Skills

Fraud risk management

2LOD independence

Regulatory interaction

Executive briefing

Education

Bachelor's degree

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 an Independent Tech Risk Manager Sr within PNC's BSA/AML organization, you will be based in Pittsburgh, PA; Houston, TX; Dallas, TX; Raleigh, NC; Charlotte, NC; Birmingham, AL; Cleveland, OH; Chicago, IL; Washington DC, Denver, CO; or Phoenix, AZ. The Independent Tech Risk Manager Sr is a highly experienced second line of defense (2LOD) independent contributor responsible for providing credible challenge, oversight, and risk advisory services across the enterprise fraud risk management program. This role serves as a senior subject matter expert on fraud risk, partnering with business, operations, technology, and risk leaders to identify emerging fraud threats, assess fraud control effectiveness, evaluate risk management practices, and ensure alignment with regulatory expectations and enterprise risk management standards. The position operates with a high degree of autonomy and influence, driving risk-informed decision making and escalating material fraud risks through appropriate governance channels while maintaining strong 2LOD independence. The role is expected to bring deep industry expertise, strategic insight, and thought leadership to strengthen the organization's fraud risk posture.

Key Responsibilities

• Provide independent oversight and credible challenge of fraud risk management activities across business lines, operations, and technology functions.
• Assess the design and effectiveness of fraud prevention, detection, investigation, and recovery controls.
• Evaluate emerging fraud threats, fraud loss trends, and changes in the external threat landscape, recommending appropriate risk mitigation strategies.
• Review and challenge fraud-related risk assessments, control assessments, risk acceptance decisions, and remediation plans.
• Partner with first line teams to ensure fraud risks are identified, measured, monitored, and managed within established risk appetite.
• Provide subject matter expertise on fraud risk governance, regulatory expectations, and industry leading practices.
• Translate complex fraud risks into clear and actionable narratives for senior management, risk committees, and executive leadership.
• Support the development and enhancement of fraud risk frameworks, policies, standards, metrics, and reporting.
• Challenge business initiatives, products, channels, and technology changes for potential fraud risk impacts.
• Monitor key fraud risk indicators and emerging risk signals and elevate material concerns through appropriate governance forums.
• Support internal audit reviews, regulatory examinations, and independent risk assessments related to fraud risk.
• Serve as a trusted advisor and thought leader on fraud risk across the organization.

Required Qualifications

• Minimum 15 years of experience in fraud risk management, financial crimes, fraud operations, fraud strategy, fraud analytics, fraud investigations, or related disciplines within banking, payments, financial services, fintech, or other regulated financial institutions.
• Demonstrated expertise across multiple fraud domains, including payment fraud, account takeover, identity fraud, digital fraud, check fraud, card fraud, and emerging fraud threats.
• Strong understanding of enterprise risk management, operational risk management, and second line of defense responsibilities.
• Proven ability to provide effective challenge and influence senior leaders without direct reporting authority.
• Experience interacting with regulators, auditors, risk committees, and executive leadership.
• Strong analytical, communication, presentation, and executive briefing skills.
• Bachelor's degree in Business, Finance, Risk Management, Criminal Justice, Information Security, or a related field.

Preferred Qualifications

• One or more industry-recognized fraud certifications, such as: Certified Fraud Examiner (CFE), Certified Financial Crimes Specialist (CFCS), Accredited Payments Risk Professional (APRP), Certified Anti-Money Laundering Specialist (CAMS), Certified Risk Professional or equivalent fraud/risk credential
• Advanced degree (MBA, MS, JD, or related field).
• Experience within a large, complex financial institution subject to heightened regulatory expectations.
• Demonstrated leadership in industry fraud forums, consortiums, or professional associations.
• Experience developing fraud risk appetite metrics, key risk indicators, and executive-level risk reporting.

Preferred Skills

Compliance Reporting, Customer Risk, Decision Making, Regulatory Requirements, Risk Assessments, Risk Control, Strategic Objectives Competencies Decision Making and Critical Thinking, Industry Knowledge, Information Security Management, Internal Controls, IT Environment, Organizational Savvy and Politics, Planning and Organizing Work Experience.

Benefits

• 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.
• Paid time off: 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.

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

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.

Base Salary

Base Salary: $146,300.00 – $326,040.00 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.

Company Culture

PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. Our inclusive workplace allows our employees to be heard, valued, and developed to do their best work. For nearly 160 years, PNC has strived to make a meaningful impact for our employees, customers, communities, and shareholders. We believe our success and positive reputation are built on open and honest dialogue, an unwavering focus on smart risk management, relationship-based customer service and community investments. Being a great place to work means we are making a lasting difference for everyone we serve.

Additional Information

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.