Finance Lead Card Network Financials & Analytics

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 companys success. As a Finance Lead - Card Network Financials & Analytics within PNCs Retail Finance organization you will be based in Pittsburgh PA Cleveland OH Birmingham AL or Wilmington Delaware.

Serve as the finance lead partnering with the Card Network Product Team responsible for financial reporting forecasting analytics (interchange and merchant incentives) strategic planning regulatory review and contract economics related to payment network relationships (Visa Mastercard Star
Interlink Maestro). Act as the primary finance partner to Product Payments Treasury Accounting Strategy and Executive Leadership.

1. Financial Management & Forecasting

Network Revenue Ownership:
Own forecasting and reporting of network incentives assessment fees network processing expenses merchant
incentives programs settlement -related impacts cross -border revenues network -funded marketing programs

2. Interchange Strategy & Analytics

Interchange Optimization:
Monitor interchange yield across Consumer Small Business and Commercial debit and credit Cards identify
opportunities to maximize interchange rates and ensure contract commitments are met

Merchant Analytics:
Analyze network economics by Merchant Merchant category code (MCC) payment channel wallet usage ticket
size. Assess impacts of new network rule changes and merchant agreements.

3. General Ledger & Accounting Governance

GL Ownership:
Maintain end-to-end GL mapping ensure network fees reconcile
Controls & Reconciliation
Review network settlement files incentive accruals revenue recognition contract amortization(s)
Accounting partnership with corporate accounting external reporting controllers

4. Network Contracts & Incentive Management

Contract economics lead:
Visa Mastercard and Fiserv negotiations future network diversification efforts
Network insights ownership: Incentive benchmarking contract opportunities value -pool analysis

5. Regulatory & Industry Impact Analysis

Interchange Regulation Monitoring:
Assess impacts from: Durbin -related changes merchant litigation

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.

• Designs and leads preparation of timely transparent and succinct financial reports to enable informed decision-making by stakeholders. Collaborates with business unit leaders to produce timely and precise revenue expense and staffing forecasts. Develops strategic insights from data to enhance budget and forecast accuracy. Serves as a senior expert for the team.
• Leads annual budget cycle and continuous monthly forecasting. Leads development of long term strategic plans. Presents business leaders and executives with key financial forecasts metric-driven performance dashboards and strategic business insights.
• Performs on-demand analysis and generates custom reports to address specific business needs. Collaborates independently with the business on implementation and compliance of new accounting and regulatory standards.
• Facilitates audit regulatory and investor requests by providing timely and accurate information. May communicate directly with external constituents. Promptly identifies and addresses control matters; maintains sound control processes. May also contribute to risk review and challenge for assigned business.
• Demonstrates executive presence and the ability to effectively communicate directly with senior leaders and influence colleagues across all organization levels. Cultivates partnerships with colleagues across departments to ensure alignment and shared success.

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 PNCs Enterprise Risk Management Framework.

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.

Account Analysis Accounting Research Decision Making Finance Strategy Financial Accounting Financial Reporting and Analysis People Management Results-Oriented

Accuracy and Attention to Detail Budgeting Business Analytics Decision Making and Critical Thinking Effective Communications Finance and Accounting Financial Analysis Financial And Accounting Systems Institutional Finance Managing Expenses And Finances

Roles at this level typically require a university / college degree with 5 years of industry-relevant experience. Specific certifications are often lieu of a degree a comparable combination of education job specific certification(s) and experience (including military service) may be considered.

Bachelors

No Required Certification(s)

No Required License(s)

No Required or Preferred Language Assessments

Base Salary: $91000.00 $185900.00

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.

Generally this opening is expected to be posted for two business days from 08/28/2026 although it may be longer with business discretion.

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.

If an accommodation is required to participate in the application process please contact us via email at . 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 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.

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.

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.