Position OverviewAs 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 escalate 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:
oCertified Fraud Examiner (CFE)
oCertified Financial Crimes Specialist (CFCS)
oAccredited Payments Risk Professional (APRP)
oCertified Anti-Money Laundering Specialist (CAMS)
oCertified 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.
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.
Job Description- Oversees and designs the Independent Technology Risk Management (ITRM) program and corresponding communication strategies. Leverages subject matter expertise in technology environments (infrastructure, data, information security, MIS and governance), technology governance and control frameworks, and risk analytics to ensure that engagements with Technology and the Lines of Business. Independently review, challenge, monitor, and communicate technology and other associated security risk issues. Coordinates ITRM activities ensuring support of Independent Risk Management strategy and direction while facilitating governance, providing oversight and providing analysis for technology risk domain activities.
- Ensures ITRM program is maintained and enhanced to support the businesses in managing their technical risks while meeting regulatory expectations and managing risks within the organizations risk appetite.
- Oversees the timely and proper execution of the ITRM program within and across the lines of business. This includes leveraging experience with security, threat intelligences, and risk analytics for consultation to execute the program components.
- Provides technology risk and risk analytics expertise while working with the businesses and other risk partners (e.g., Compliance, Security, Technology, etc.) to proactively identify technology risk exposures across PNC.
- Leverages subject matter expertise in and technology governance and control frameworks to review and report on the business self-assessment results (including new initiatives, business as usual activities, and risk management program) to higher level management.
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 SkillsCompliance Reporting, Customer Risk, Decision Making, Regulatory Requirements, Risk Assessments, Risk Control, Strategic Objectives
CompetenciesDecision Making and Critical Thinking, Industry Knowledge, Information Security Management, Internal Controls, IT Environment, Organizational Savvy and Politics, Planning and Organizing
Work ExperienceRoles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry-relevant experience is typically 8+ years. At least 5 years of prior management experience is typically required. Proven leadership experience with a moderate to large scope of responsibility is 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 AssessmentsNo Required or Preferred Language Assessments
Pay TransparencyBase 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.
Application WindowGenerally, this opening is expected to be posted for two business days from 10/26/2026, 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.
