Compliance Program Advisor

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 Communicates effective compliance programs to identify and prevent illegal, unethical, or improper business practices. Coaches and mentors junior staff and raises issues to senior team members. Demonstrates ability to constructively challenge the status quo. Supports key business initiatives by analyzing and drawing conclusions from data to identify compliance risks. Provides 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. Works cooperatively with the business, legal partners, audit and other risk disciplines across the organization. Assesses activity for existing and emerging risks. Evaluates the materiality of the risks identified and presents recommendations on necessary risk mitigation. Uses knowledge on current laws, rules, and other regulatory requirements and drafts or assesses Compliance Manuals, Front Office materials, policies and procedures to ensure alignment. Leads the compliance monitoring program and reviews activity to ensure it falls within established risk control limits. Helps to identify and define the compliance program objectives for assigned area, products/services, and applicable regulations. Communicates and socializes compliance program objectives to senior business partners. Independently challenges analyses and formulates insightful recommendations. Reviews compliance reports to identify deeper issues and common themes. Escalates issues through proper governance channels as needed, and recommends corrective action plans. Mentors and coaches junior staff on report analysis techniques as applicable. Updates and implements 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