Finance Lead - Card Network Financials & Analytics

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 Finance Lead - Card Network Financials & Analytics within PNC's 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