Finance Lead - Card Network Financials & Analytics

About this role

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 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.

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

Competencies 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

Work Experience Roles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. Specific certifications are often required. 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 A

Similar jobs

• Finance Lead — Capital Group · Irvine | Los Angeles
• Finance Lead — Partiful · New York, NY
• Finance Lead — Coralai · Remote
• Finance Lead, Logistics Finance — Kraft Heinz · Chicago, IL
• Finance Data Lead — Parafin · San Francisco, CA
• Senior Lead Data Engineer - Finance Data Product — KeyBank · Brooklyn, OH
• Lead Financial Analyst - Private Credit Operations — Transamerica · Cedar Rapids, Iowa | Philadelphia, Pennsylvania
• Lead Financial Accounting and Reporting Analyst — Highmark Health · Pittsburgh PA, 15222, FAP, 5th Avenue Place