Compliance Program Specialist Senior

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 Compliance Program Specialist senior within PNC's compliance organization, you will be based in you’ll be based in one of the following locations: Charlotte NC, Pittsburgh, PA, or Cleveland, OH

In this position, you will demonstrate:
• Experience with broker-dealer and insurance compliance, including annuity products, suitability, sales practices, and supervisory requirements.
• Strong working knowledge of FINRA rules, SEC regulations, Regulation Best Interest, and applicable state insurance regulatory requirements.
• Practical understanding of variable annuities, fixed annuities, fixed indexed annuities, and registered index-linked annuities, including product features, risks, and distribution considerations.
• Experience evaluating new products, business initiatives, regulatory risks, or supervisory controls.
• Providing subject matter expertise and independent compliance oversight of broker-dealer and insurance-related activities, with particular emphasis on fixed, variable, fixed indexed, and registered index-linked annuities.
• Interpret and apply applicable FINRA, SEC, and state insurance regulatory requirements, including suitability, Regulation Best Interest, disclosure, supervision, and sales practice obligations.
• Evaluate existing compliance policies, procedures, and supervisory controls to identify potential gaps, emerging risks, and opportunities for enhancement.
• Provide regulatory guidance regarding annuity exchanges, replacements, surrender considerations, compensation structures, and potential conflicts of interest.
• Support regulatory examinations, inquiries, remediation efforts, and the resolution of identified compliance matters.
• Serve as a key compliance advisor in the review and assessment of new insurance and annuity products, product enhancements, and changes to distribution strategies.
• Evaluate product features, complexity, target markets, compensation arrangements, liquidity restrictions, and associated investor protection considerations.
• Provide constructive and credible challenge to business proposals, product initiatives, and distribution strategies to ensure appropriate consideration of regulatory, compliance, and reputational risks.
• Participate in product governance committees, business risk assessments, and strategic discussions involving insurance and investment offerings.
• Assess the adequacy of product training, disclosures, supervisory controls, and ongoing monitoring associated with new or existing products.
• Establish effective working relationships with business leadership, product management, supervision, legal, risk management, and other key stakeholders.
• Demonstrate the confidence and technical expertise to challenge business decisions when necessary while maintaining a collaborative and solutions-oriented approach.
• Translate complex regulatory requirements into clear, actionable guidance that supports informed business decision-making.
• Anticipate regulatory and industry developments and proactively advise leadership on potential business impacts.
• Exercise independent judgment and effectively escalate material compliance concerns, including matters involving product risk, sales practices, and customer outcomes.

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

- Plans the execution of compliance programs to prevent illegal, unethical, or improper business practices. Develops ability to constructively challenge conclusions/status quo.
- Supports key business initiatives by analyzing data to identify compliance risks. Assists in providing resolutions to manage and mitigate the identified risks. If necessary, escalates identified risks to senior team members. Identifies compliance impact on matters such as marketing materials, sales programs, product development, documentation review and other business initiatives.
- Assesses activity for existing and emerging risks. Evaluates the materiality of the risks identified. Researches current laws, rules, and other regulatory requirements and drafts or assesses Compliance Manuals, Front Office materials, policies and procedures to ensure alignment.
- Manages the compliance monitoring program and reviews activity to ensure it falls within established risk control limits. Leads the execution of the Compliance program objectives for assigned area, products/services, and applicable regulations. Communicates and socializes compliance program objectives to business partners. Independently challenges analyses and formulates recommendations.
- Edits compliance reports. Analyzes the reports to identify deeper issues, escalates through proper governance channels as needed, and recommends corrective action plans. Assists in updating or implementing new/enhanced reports in order to ensure timely and effective compliance with regulatory requirements.

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
Compliance Reporting, Customer Risk, Decision Making, Regulatory Requirements, Risk Assessments, Risk Control, Strategic Objectives

## Competencies
Accuracy and Attention to Detail, Anti-money Laundering/Sanctions Policies and Procedures, Audit And Compliance Function, Auditing, Fraud Management, Internal Controls, Problem Solving

## Work Experience
Roles at this level typically require a university / college degree, with 3+ years of relevant / direct industry experience. Certifications are often desired. 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: $63,750.00 – $127,500.00

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.

Application Window

Generally, this opening is expected to be posted for two business days from 10/13/2026, 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 .

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Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact us via email at [email protected] . 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 877-968-7762 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

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