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 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: o Certified Fraud Examiner (CFE) o Certified Financial Crimes Specialist (CFCS) o Accredited Payments Risk Professional (APRP) o Certified Anti-Money Laundering Specialist (CAMS) o 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. 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 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. 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. PNC also has fundamental expectations of our people managers. As a manager of talent in PNC, you will be expected to: Include Intentionally - Cultivates diverse teams and inclusive workplaces to expand thinking. Live the Values - Role models our values with transparency and courage. Enable Change - Takes action to drive change and innovation that will transform our business. Achieve Results - Takes personal ownership to deliver results. Empowers and trusts others in decision making. Develop the Best - Raises the bar with every talent decision and guides the achievement