Independent Tech Risk Manager Sr

PNC•Washington, DC

7d•$146,300 - $326,040•Onsite

About The Position

At PNC, the Independent Tech Risk Manager Sr is a highly experienced second line of defense (2LOD) independent contributor in the BSA/AML organization. The role provides credible challenge, oversight, and risk advisory services across the enterprise fraud risk management program, partnering with business, operations, technology, and risk leaders to identify emerging threats, assess controls, and support alignment with regulatory expectations and enterprise risk standards. It operates with substantial autonomy and influence, escalates material risks through governance channels, and provides strategic insight and thought leadership to strengthen the organization's risk posture. The position also oversees and designs the Independent Technology Risk Management (ITRM) program and communication strategies. It applies expertise in technology environments, governance and control frameworks, security, threat intelligence, risk analytics, and risk management to independently review, challenge, monitor, and communicate technology and associated security risks. The role coordinates ITRM activities, supports Independent Risk Management strategy, facilitates governance and oversight, and ensures the program is maintained and enhanced to help businesses manage technology risks within risk appetite and regulatory expectations. The role is based in one of the listed PNC office locations. PNC describes itself as an in-office company. The position is incentive eligible, and PNC does not provide employment visa sponsorship or participate in STEM OPT for this role.

Requirements

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.
Demonstrate knowledge, skills, and abilities appropriate to the role.
PNC work experience information states that roles at this level typically require a university or college degree and industry-relevant experience typically of 8+ years; at least 5 years of prior management experience is typically required, along with proven leadership experience with moderate to large scope of responsibility. A comparable combination of education, job-specific certifications, and experience may be considered in lieu of a degree.
PNC employee expectations include customer focus and effectively managing risks associated with business objectives and activities in accordance with the Enterprise Risk Management Framework.
No required certification or license is listed.
No required or preferred language assessment is listed.

Nice To Haves

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), or a Certified Risk Professional or equivalent fraud/risk credential.
Advanced degree, such as an 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 include compliance reporting, customer risk, decision making, regulatory requirements, risk assessments, risk control, and strategic objectives.
Competencies include decision making and critical thinking, industry knowledge, information security management, internal controls, IT environment, organizational savvy and politics, and planning and organizing.
Higher education such as a master's degree, PhD, or certifications is desirable.

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 external threat landscape changes, and recommend 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 practices.
Translate complex fraud risks into clear, 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 fraud risk indicators and emerging risk signals and escalate material concerns through 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.
Oversee and design the Independent Technology Risk Management (ITRM) program and related communication strategies.
Independently review, challenge, monitor, and communicate technology and associated security risk issues.
Coordinate ITRM activities in support of Independent Risk Management strategy and direction, facilitating governance, oversight, and analysis for technology risk domains.
Ensure the ITRM program is maintained and enhanced to support business technology risk management, regulatory expectations, and organizational risk appetite.
Oversee timely and proper execution of the ITRM program within and across lines of business, applying security, threat intelligence, and risk analytics expertise.
Work with businesses and risk partners, including Compliance, Security, and Technology, to proactively identify technology risk exposures across PNC.
Use technology governance and control framework expertise to review and report business self-assessment results, including new initiatives, business-as-usual activities, and risk management programs, to higher-level management.
Assess and manage risks associated with business objectives and activities in support of PNC's Enterprise Risk Management Framework.
As a people manager, cultivate diverse and inclusive teams, model PNC values, drive change and innovation, take ownership of results, empower decision-making, and develop employees.

Benefits

Medical and 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 and elder care.
Adoption, surrogacy, and doula reimbursement.
Educational assistance, including select fully paid programs.
Wellness program with financial incentives.
Maternity and/or parental leave, depending on eligibility.
Up to 11 paid holidays each year, depending on eligibility.
9 occasional absence days each year, unless otherwise required by law, depending on eligibility.
15 to 25 vacation days each year depending on career level and eligibility.
Additional time off based on years of service.
Incentive-eligible compensation based on company, business, and/or individual performance.