Portfolio Analytics & Strategy Specialist (Fraud Model Analyst)

PNC; Denver (CO); On-site; USD 91,000 - 169,000; Full time

Job summary

PNC is seeking a Portfolio Analytics & Strategy Specialist (Fraud Model Analyst) to own the lifecycle of quantitative models used for detecting fraud. The role requires strong Python/R and SQL skills, data science foundations, and experience validating complex models.

You will collaborate with risk, audit, and analytics partners across multiple locations, including Denver, and may lead and coach modeling teams, guiding best practices and governance throughout model development.

Qualifications

• Requires experience with quantitative models (machine learning and statistics) and model lifecycle standards.
• Strong communication with model users, including governance and risk management partners.
• Leadership to model developers, coaching and remote work oversight may be involved.
• Proficiency in Python or R and SQL; experience with large datasets is required.

Responsibilities

• Oversee development, testing, and validation of quantitative models used for fraud detection.
• Communicate with model users and stakeholders to support anti-money laundering and fraud deterrence.
• Lead qualitative and quantitative assessments of models, including design, data quality, and controls.
• Monitor model performance, identify risks, and drive improvements and governance.

Skills

Statistical Modeling

Validation

Data Science

Statistics

Data Analytics

Graph Database experience

Data Correlation and Visualization

Education

Bachelor's degree

Tools

Python

R

SQL

SAS

Hadoop

Tableau

Trillium

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 Portfolio Analytics & Strategy Specialist (Fraud Model Analyst) within PNC’s Technology organization, you will be based in Cleveland/Strongsville OH, Pittsburgh PA, Birmingham AL, Dallas TX, Phoenix AZ or Denver CO

Requirements:

Python, R Language, SQL, SAS nice to have

Statistical Modeling, Validation

Data Science, Statistics and Data Analytics

Graph Database experience

Data Correlation and Visualization

Job Description — Model Owner

• Oversees the development, testing, and validation of quantitative models (machine learning and statistical) used for detecting and deterring fraud. Conducts robust and comprehensive model testing, model monitoring, defect resolution, and analysis in accordance with model development lifecycle standards.

• Conducts ongoing communication and support for model users, including downstream model owners, and others who use the models for purposes of anti-money laundering, fraud detection and deterrence, and other uses.

• Directs complex qualitative and quantitative assessments of all aspects of models including theoretical aspects, model design and implementation as well as data quality and integrity. Confirms the reviews of complex reports including model documentation, model monitoring, QC findings, and model controls.

• Leads in evaluating identified model risks, defects, and issues, and reaches conclusions on strengths and limitations of the model. Works toward resolution and enhancement related to model shortcomings.

• Conducts ongoing communication with oversight, validation, risk management, internal audit, external audit, and regulatory compliance partners. This communication includes written responses to questions, formalized documentation of findings, and presentations to appropriate committees, working groups and other parties.

• Provides leadership, direction, and oversight to model developers who support the ongoing maintenance, management, and validation of the models.

• Provides coaching, training, direction, and best practices to the modeling team.

• Can manage the work-sets of multiple model developers in remote locations, including offshore.

• Solves business problems using a structured, analytically rigorous approach, and synthesize results for presentation to less technical audiences (model users and senior management)

• Solid understanding of probability, linear algebra and statistical modeling

• Proficiency with R or Python, and Hadoop, is required.

• Proficiency in SQL and working with large datasets is required.

• Proficiency with Trillium and/or Tableau is desirable but not required.

• Knowledge of data management is desired but not required.

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

• Provides financial and regulatory reporting and analyses to maintain adequate controls over the financial and regulatory reporting processes. Responsible for running complex business performance, risk and operational analytics. May include the development of analytical methods/models to assess market, credit and/or operational risk of new and existing financial products.

• Leverages business / product expertise to rigorously analyze large datasets, improve risk adjusted returns, deliver profitable growth, and communicate conclusions. Synthesizes analytical results and develops, recommends, and implements business strategies that improve lending decisions, assist in managing risk, increase revenues, reduce exposure to losses, meet business goals, and improve performance. Establishes baselines for strategies and tracks actual performance to expectations.

• Applies predictive models, third party data, and other tools to develop and execute appropriate segmentation and targeting for acquisition and portfolio strategies to provide insight into portfolio risk. Manages engagements with internal and external information suppliers ensuring solution is fit for purpose while maintaining appropriate governance and oversight.

• Works with business, credit, data, and model development partners to design, develop, and monitor test designs and analytical reporting to track and enhance strategies. Designs / enhances standard reporting suites for regular product / portfolio reviews.

• Collaborates with the line of business, Finance, and Risk partners to assess and establish credit risk appetite and to understand its implications, as well as to establish policies and procedures governing the identification, monitoring, and management of risk appetite.

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

Analytical Thinking, Credit Risks, Data Analytics, Financial Analysis, Model Development, Operational Risks, Python (Programming Language), Quantitative Models, Risk Appetite, Statistical Analysis, Structured Query Language (SQL)

Competencies

Analytical Approach, Banking Products, Big Data Management and Analytics, Business Analytics, Credit Risk, Mathematics of Financial Instruments, Operational Risk, Performance Measurement, Predictive Analytics, Pricing Models and Analytics, Regulatory Environment – Financial Services, Risk Management Banking

Work Experience

Roles at this level typically require a university / college degree, with 5 years of industry-relevant experience. Specific certifications are often required. 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)

Pay Transparency

Base Salary: $91,000.00 — $169,000.00

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 08/07/2026, 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.

California Residents

Refer to the California Consumer Privacy Act Privacy Notice (https://content.pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC_CCPA_Privacy_Disclosure_Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

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.