Detection & Investigation Associate: Enterprise Fraud

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 Detection & Investigation Associate within PNC's ENTERPRISE FRAUD DETECTION organization, you will be based in Louisville, KY, Pittsburgh, PA, Strongsville, OH, Birmingham, AL.

Monday 7:00 am - 4:00 pm EST

In office.


This team has multiple responsibilities related to Retail Application Fraud Detection, Retail

Suspicious Account Activity Detection, Retail Incoming ACH Review, and Research.

• Retail Application Fraud Detection – utilizing device information (for mobile) and previously identified attributes to identify suspicious account opening attempts for further fraud review.

• Retail Suspicious Account Activity Detection – reviewing suspicious post account opening activity for, new and established accounts, as well as other suspicious online login activity.

• Retail Incoming ACH Review– reviewing suspicious ACH transactions for possible fraud.

• Research & Support

Support on previous detected fraudulent account openings or activity through link analysis.

Support for emerging fraud trend review and fraud ring activity

Intelligence leads from external agencies to identify potentially fraudulent activity or account holders and to assist with data that may assist law enforcement on identifying criminal activity.

Analyst Responsibilities:
• Sign in on time, ready to work
• Review accounts for potential ID Theft, Account Take over or potential First Party Fraud
• Review accounts with suspicious ACH transactions that may be a result of fraud coming from illicit activity
• Make decisions based on analysis, trends and patterns
• Fraud loss mitigation
Work as an individual making fraud related decisions with minimal help needed from management in the decision making process
• Must have ability to work with other service partners in relation to fraud cases, reviews, reports, and rules
• Be a team partner in completing all work functions assigned to the team
• Actively participate in meetings, coaching, and conversations with leadership, other team members and service partners
• Ability to see patterns and trends in relation to logic and rules of potential fraud.
• Take on stretch assignments
• Assist with build out of new processes
• Act as Subject Matter ExpertPNC 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

• Responsible for investigation and/or mitigation of suspicious bank activity, control and prevention of losses related to fraud, AML and /or organizational risk.
• Based on root cause, assists in the development and implementation of internal controls to identify suspicious and/or prevent illegal activities and to recover any incurred losses, which may be significant. Identifies gaps and control enhancements that at times have a large monetary impact on the organization.
• Independently works with internal and external stakeholders (local, state and federal authorities, agencies and other financial institutions) on matters relating to fraudulent/illegal activities where appropriate.
• Performs the investigation of identified activity. Makes determination as to whether the activity is reportable or requires additional escalation, based on standard criteria and/or independent judgment. Completes the required documentation.
• Prepares and maintains appropriate documentation of investigation performed.

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

Analytical Thinking, Customer Solutions, Decision Making, Operational Risks, Problem Resolution, Researching, Risk Mitigation Strategies

Competencies

Anti-money Laundering/Sanctions Policies and Procedures, Business Ethics, Business Process Improvement, Decision Making and Critical Thinking, Effective Communications, Fraud Detection and Prevention, Information Capture, Operational Risk, Problem Solving, Standard Operating Procedures

Work Experience

Roles at this level typically require a university / college degree, with 2+ years of relevant professional experience. 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)

Language Assessments

No Required or Preferred Language Assessments

Pay Transparency

Base Salary: $52,500.00 – $96,250.00Salaries 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 09/25/2026, 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 aiapply.co. 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 aiapply.co 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.