Position OverviewAs a Finance Lead - Card Network Financials & Analytics within PNC's Retail Finance organization, you will be based in Pittsburgh, PA, Cleveland, OH, Birmingham, AL, or Wilmington Delaware.
Serve as the finance lead, partnering with the Card Network Product Team responsible for financial reporting, forecasting, analytics (interchange and merchant incentives), strategic planning, regulatory review and contract economics related to payment network relationships (Visa, Mastercard, Star,
Interlink, Maestro). Act as the primary finance partner to Product, Payments, Treasury, Accounting, Strategy and Executive Leadership.
1. Financial Management & Forecasting
Network Revenue Ownership:
▪ Own forecasting and reporting of network incentives, assessment fees, network processing expenses, merchant
incentives programs, settlement -related impacts, cross -border revenues, network -funded marketing programs
2. Interchange Strategy & Analytics
Interchange Optimization:
▪ Monitor interchange yield across Consumer, Small Business and Commercial debit and credit Cards – identify
opportunities to maximize interchange rates and ensure contract commitments are met
Merchant Analytics:
▪ Analyze network economics by Merchant, Merchant category code (MCC), payment channel, wallet usage, ticket
size. Assess impacts of new network rule changes and merchant agreements.
3. General Ledger & Accounting Governance
GL Ownership:
▪ Maintain end-to-end GL mapping, ensure network fees reconcile
Controls & Reconciliation
▪ Review network settlement files, incentive accruals, revenue recognition, contract amortization(s)
▪ Accounting partnership with corporate accounting, external reporting, controllers
4. Network Contracts & Incentive Management
Contract economics lead:
▪ Visa, Mastercard, and Fiserv negotiations, future network diversification efforts
▪ Network insights ownership: Incentive benchmarking, contract opportunities, value -pool analysis
5. Regulatory & Industry Impact Analysis
Interchange Regulation Monitoring:
▪ Assess impacts from: Durbin -related changes, merchant litigation
Job Description- Designs and leads preparation of timely, transparent, and succinct financial reports to enable informed decision-making by stakeholders. Collaborates with business unit leaders to produce timely and precise revenue, expense, and staffing forecasts. Develops strategic insights from data to enhance budget and forecast accuracy. Serves as a senior expert for the team.
- Leads annual budget cycle and continuous monthly forecasting. Leads development of long term strategic plans. Presents business leaders and executives with key financial forecasts, metric-driven performance dashboards, and strategic business insights.
- Performs on-demand analysis and generates custom reports to address specific business needs. Collaborates independently with the business on implementation and compliance of new accounting and regulatory standards.
- Facilitates audit, regulatory, and investor requests by providing timely and accurate information. May communicate directly with external constituents. Promptly identifies and addresses control matters; maintains sound control processes. May also contribute to risk review and challenge for assigned business.
- Demonstrates executive presence and the ability to effectively communicate directly with senior leaders and influence colleagues across all organization levels. Cultivates partnerships with colleagues across departments to ensure alignment and shared success.
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.
QualificationsSuccessful 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 SkillsAccount Analysis, Accounting Research, Decision Making, Finance Strategy, Financial Accounting, Financial Reporting and Analysis, People Management, Results-Oriented
CompetenciesAccuracy and Attention to Detail, Budgeting, Business Analytics, Decision Making and Critical Thinking, Effective Communications, Finance and Accounting, Financial Analysis, Financial And Accounting Systems, Institutional Finance, Managing Expenses And Finances
Work ExperienceRoles 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.
EducationBachelors
CertificationsNo Required Certification(s)
LicensesNo Required License(s)
Language Assessments
No Required or Preferred Language Assessments
Pay TransparencyBase Salary: $91,000.00 – $185,900.00
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 WindowGenerally, this opening is expected to be posted for two business days from 08/28/2026, although it may be longer with business discretion.
BenefitsPNC 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.
