Digital Product Manager Lead Senior - Mobile & Online Banking Security

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 Digital Product Manager Lead Senior within PNC's Digital- Retail organization, you will be based in Pittsburgh, PA, Cleveland, OH, Philadelphia, PA, Denver, CO or Austin, TX. You will lead complex, cross channel initiatives that span mobile, web, and assisted experiences, acting as the product authority for front door and in session security capabilities. This role requires deep partnership with Technology, Cybersecurity, Fraud, Risk, and Operations, and regular engagement with senior stakeholders across the enterprise. Why this role matters Mobile and online banking are the primary entry points for customers. This Lead Senior role owns the security experiences that protect those entry points, directly impacting customer trust, fraud exposure, regulatory confidence, and the overall health of the digital banking ecosystem. What you’ll do (key responsibilities): Product strategy & ownership • Own the end to end product vision, strategy, and multi year roadmap for mobile and online banking security, including sign in, multi factor authentication, step up challenges, device recognition/binding, session management, and access recovery. • Drive prioritization decisions that balance usability, fraud risk, regulatory expectations, and platform scalability. • Act as the recognized product lead and decision maker for mobile and online banking security experiences. Execution & delivery leadership • Serve as product owner for one or more agile crews delivering security and authentication capabilities. • Translate strategy into epics, features, and user stories with clear acceptance criteria, including complex edge cases and failure scenarios. • Coordinate dependencies across mobile, web, and shared security platforms to ensure consistent experiences across channels. Mobile & online banking security expertise • Lead delivery of authentication and access controls across iOS, Android, and web platforms. • Partner with Cybersecurity and Fraud teams to embed risk based and adaptive security controls aligned to current and emerging threat vectors. • Ensure solutions scale reliably across millions of customers with minimal friction and operational overhead. Risk, governance & controls • Operate as part of the first line of defense, supporting risk assessments, audits, and regulatory reviews related to digital banking security. • Partner with risk, compliance, and legal teams to ensure secure experiences align with enterprise standards and policies. • Own documentation and evidence related to product controls, decisions, and governance outcomes. Measurement & outcomes • Define and monitor KPIs and success metrics (e.g., authentication success rates, challenge rates, fraud losses, call center impact). • Use data and customer insights to continuously improve security outcomes and customer experience. Leadership & influence • Drive alignment across Digital Banking, Technology, Cybersecurity, Fraud, Risk, and Operations. • Communicate roadmap, priorities, and risks clearly to senior leaders and executive forums. • Coach and mentor other product managers, raising security product maturity and execution rigor across the digital organization. The ideal candidate will have: • 7+ years of digital product management experience with ownership of large scale, customer facing platforms. • Proven experience leading mobile and/or online banking products in regulated or high risk environments. • Strong working knowledge of authentication and access concepts (e.g., MFA, step up authentication, device trust, session controls). • Demonstrated ability to lead cross functional initiatives and influence senior stakeholders without direct authority. • Strong analytical, communication, and risk management skills. • Experience with mobile security, biometrics, or passwordless authentication. • Familiarity with identity standards (e.g., OAuth, OpenID Connect, SAML). • Background partnering closely with cybersecurity, fraud, and enterprise risk teams. • Financial services experience strongly preferred. 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 Drives digital strategy across business segments to optimize digital experience, leveraging design thinking and other best practices. Monitors the marketplace to assess digital experience trends and results in order to recommend new digital experiences or enhancements to existing experiences. Prioritizes and decisions recommendations. Drives business case development. Develops and designs the features of new or existing digital experiences to take advantage of an identified market need or opportunity. Manages the development, production, roll-out or promotion of digital experiences. Partners with key stakeholders including Product, Technology, MIS, Line of Business, Marketing and other internal service partners as well as external stakeholders to ensure all digital experiences meet their strategic goals. Partners with Marketing to Develop in product-specific marketing initiatives. May participate in client facing activities. As part of the first line of defense, supports risk management, compliance, and audit needs. Drives business, financial, and customer experience results of new and existing products and effectively recommends modifications in experiences and/or marketing to improve results. May coordinate and/or coach Product Managers and Associates. 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 Agile Web Development, Business Requirements Documentation (BRD), Data Visualization, Digital User Experience, Employee Engagement, IT Architecture, JavaScript, Wireframing Competencies Business Acumen, Competitive Environment, Data Gathering and Reporting, Design Thinking, Effective Communications, Innovation, Knowledge Of Product Line, Marketing Strategy and Positioning, Product Development Life Cycle, Project Management, Solutions Development Work Experience Roles 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. 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: $114,500.00 – $202,150.00 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 05/20/2026, 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 View email address on click.appcast.io. 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 View phone number on click.appcast.io 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 (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. 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. 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. Our inclusive workplace allows our employees to be heard, valued, and developed to do their best work. Being a great place to work means we are making a lasting difference for everyone we serve. Check out the top reasons to join PNC. PNC’s total rewards package includes things like time off, benefits, learning and career development, wellness programs, recognition and much more. The benefits and programs highlighted below are just a sampling of what PNC offers its employees. To learn more, visit our Total Rewards page. If you're not ready to apply yet, or you'd like to learn more about PNC, join the Talent Community to receive regular updates on what's happening at PNC and available career opportunities. Click to join!