Independent Tech Risk Manager Sr

Independent Tech Risk Manager Sr

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 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:
• Certified Fraud Examiner (CFE)
• Certified Financial Crimes Specialist (CFCS)
• Accredited Payments Risk Professional (APRP)
• Certified Anti-Money Laundering Specialist (CAMS)
• Certified 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.