**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 Data Scientist Sr within PNC’s Technology organization, you will be based in Pittsburgh, PA; Cleveland, OH; Birmingham, AL, Dallas, TX or Lakewood, CO. Role Overview The Data Scientist Senior is a strategic and analytical member of the team responsible for detecting, analyzing, and mitigating deposit fraud incidents. As a senior data scientist, you play a critical role in safeguarding our deposit ecosystem by leading the development and execution of data-driven fraud prevention strategies. This position is embedded within the Fraud Incident Management Team and focuses on strengthening defenses by combining analytical insights with operational execution. Key Responsibilities • Countermeasure Strategy • Design and implement tactical and strategic fraud countermeasures across deposit and digital channels (e.g., check, mobile remote deposits, ATM & Teller channels). • Collaborate with fraud operations, technology, and product teams to deploy controls effectively. • Stay informed on industry fraud trends and regulatory developments to proactively adjust strategies. • Incident Response Leadership • Serve as the analytics lead during active fraud incidents, providing rapid insights and recommending containment actions. • Conduct post-incident reviews to assess control effectiveness and identify improvement opportunities. • Fraud Analytics & Detection • Monitor deposit transaction data to identify emerging fraud patterns and anomalies. • Engineer and curate channel-specific features (e.g., check attributes, image/device signals, deposit velocity, account tenure/behavior, ATM/teller patterns) to power high-precision detection rules and thresholds. • Develop and refine fraud detection rules using statistical and quantitative/machine learning techniques. • Evaluate rule performance and optimize precision and minimal customer impact. • Team Leadership & Stakeholder Engagement • Mentor junior analysts within the team, fostering a culture of curiosity, rigor, and innovation in fraud prevention. • Partner with internal stakeholders to ensure alignment on fraud risk appetite and control thresholds. • Contribute to governance processes, including documentation, reporting, and audit readiness. • Reporting & Communication • Deliver actionable insights and performance metrics to senior leadership. • Create dashboards and visualizations to support decision-making and transparency. Skills & Tools • Technical Skills • SQL, Python, PySpark, R, and/or SAS. • Advanced analytical skills in data mining, anomaly detection, rule optimization, and other quantitative techniques • Feature engineering for deposit and digital channels fraud detection and rule development (check, mobile remote deposit, ATM, and teller channels). • Visualization tools: Tableau, Power BI. • Familiarity with fraud detection platforms and machine learning techniques. • Soft Skills • Strong communication and stakeholder management. • Strategic thinking with a global and future-oriented mindset. • Ability to manage competing priorities under tight deadlines Qualifications • Master’s degree in Data science, Statistics, Economics, or related field is preferred. • Experience in fraud analytics, preferably in deposit fraud or financial services. • Strong understanding of deposits, fraud typologies, regulatory frameworks, transaction monitoring, and countermeasure design. • Excellent communication and stakeholder management skills. Preferred Attributes • Experience working in a fast-paced incident management environment, with ability to balance speed of response with analytical accuracy. • Ability to translate complex data into clear, actionable strategies with operational execution focus. • Demonstrated expertise in cross-functional initiatives and guiding teams through high-pressure fraud events. This position may be eligible for remote work in select geographic locations, subject to approval by PNC. If approved, work must be conducted from a quiet, secure, and confidential home-based workspace. Occasional in-office participation may be required based on business needs. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. **Job Description** + Leads the implementation of analytical projects that leverage vast amounts of structured and unstructured data to extract actionable business insights. + Directs the data gathering, data processing and data mining of large and complex datasets. + Leads the development of algorithms using advanced mathematical and statistical techniques like machine learning to predict business outcomes and recommend optimal actions to management. + Leads analytical experiments in a methodical manner to find opportunities for product and process optimization. Presents business insights to management using visualization technologies and data storytelling. + Partners with Data Architects, Data Analysts, Data Engineers and Visualization Experts to develop data-driven solutions for the business. 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** Analytical Thinking, Competitive Advantages, Data Analytics, Data Mining, Data Science, Machine Learning (ML) **Competencies** Data Architecture, Data Mining, Disruptive Innovation, Information Capture, Machine Learning, Modeling: Data, Process, Events, Objects, Prototyping, Query and Database Access Tools **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** Masters **Certifications** No Required Certification(s) **Licenses** No Required License(s) **Pay Transparency** Base Salary: $65,000.00 – $165,370.00 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 02/04/2026, 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 . **Disability Accommodations Statement** If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com . 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** Refer to the California Consumer Privacy Act Privacy Notice (https://content.pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC\_CCPA\_Privacy\_Disclosure\_Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.