NY - New York PA - Pittsburgh Full time R235922

• 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 an Associate Director, Deposit Quantitative Research within PNC's Finance organization, you will be based in New York City, NY or Pittsburgh, PA. PNC will not provide sponsorship for employment visas or participate in

STEM OPT

for this position. About the Team The PNC Chief Investment Office (CIO) Quantitative Modeling team develops, maintains, and monitors quantitative models supporting investment portfolio management, balance sheet analytics, interest rate risk management, and financial decision-making. The team applies economics, finance, and data-driven research to help model customer behavior, financial markets, macroeconomic trends, and key drivers of business performance Role Overview We are seeking a quantitative researcher with 5+ years of experience in econometrics, empirical research, statistical modeling, or quantitative analytics. This role applies advanced quantitative methods to customer, transactional, and economic datasets to develop forecasting models, behavioral analytics, and decision-support insights supporting deposit products and balance sheet management. Candidates should possess strong analytical, programming, and communication skills, along with a demonstrated ability to work with large datasets and effectively communicate complex findings to both technical and non-technical stakeholders. The successful candidate will conduct empirical research, develop predictive and behavioral models, evaluate customer and product dynamics, and translate analytical findings into actionable business recommendations. This role offers the opportunity to work on high-impact research problems at the intersection of economics, finance, customer behavior, and quantitative modeling.

Education:

Master's degree required; PhD preferred. Qualifications Required

• Master's degree in Economics, Finance, Econometrics, Statistics, Mathematics, Operations Research, Data Science, or a related quantitative field.
• 5+ years of experience in empirical research, econometrics, statistical modeling, predictive analytics, or quantitative research.
• Strong programming skills in Python and SQL, with experience working with large structured datasets.
• Demonstrated ability to independently formulate research questions, design analytical approaches, execute empirical studies, and communicate findings to technical and non-technical audiences. Preferred
• PhD in Economics, Finance, Econometrics, Statistics, Mathematics, Operations Research, or a related quantitative field.
• Experience analyzing deposit, consumer banking, payments, lending, credit card, or other customer-level financial datasets.
• Experience with customer behavior modeling, balance forecasting, causal inference, panel-data econometrics, time-series analysis, or machine learning techniques.
• Research experience at a Federal Reserve Bank, U.

S. Treasury, academic research institution, quantitative consulting firm, fintech, or financial services research team, including publications, working papers, or conference presentations. 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
• + Utilizes financial analysis, research, and reporting to facilitate business strategy, process improvements, and remediation activities.

Participates in stress testing efforts

+ Based on own discretion, researches and collects information for PNC's balance sheet.

+ Analyzes, reviews and presents risk analytics/stress testing material including documentation and templates to senior team members.

+ Partners with lines of business in understanding specific line items of PNC's balance sheet and income statement. Reconciles and performs quality review of data and may work with various review teams, including model risk management, internal and external audit and regulators

+ Facilitates business strategy, process improvements and remediation activities 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
• Balance Sheets, Bookkeeping, Budget Management, Cash Flow Statements, Corporate Accounting, Financial Operations, Managerial Finance, Public Accounting, Revenue Recognition
• Competencies
• Accuracy and Attention to Detail, Asset and Liability Management (ALM), Data Gathering and Reporting, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Financial Services Industry, Market Risk, Regulatory Environment - Financial Services
• 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 Assessments
• No Required or Preferred Language Assessments
• Pay Transparency
• Base Salary: $91,000.00 - $202,800.00 Salaries may vary based on geographic location, market data and on individual skills, experience, and education.
• Application Window
• Generally, this opening is expected to be posted for two business days from 09/17/2026, 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. For nearly 160 years, PNC has strived to make a meaningful impact for our employees, customers, communities, and shareholders. We believe our success and positive reputation are built on open and honest dialogue, an unwavering focus on smart risk management, relationship-based customer service and community investments. Our inclusive workplace allows our employees to be heard, valued, and developed to do their best work. Being a great place to work means we are making a lasting difference for everyone we serve. Check out the top reasons to join PNC. PNC's total rewards package includes things like time off, benefits, learning and career development, wellness programs, recognition and much more. The benefits and programs highlighted below are just a sampling of what PNC offers its employees. To learn more, visit our Total Rewards page (https://careers.pnc.com/global/en/total-rewards) . If you're not ready to apply yet, or you'd like to learn more about PNC, join the Talent Community to receive regular updates on what's happening at PNC and available career opportunities. Click to join! (https://flows.beamery.com/pnc/tc-signup)