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Position OverviewAt 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 Product Owner III within PNC's Technology organization, you will be based in Pittsburgh, PA; Cleveland, OH; Birmingham, AL; Dallas, TX; Denver, CO or Phoenix, AZ.
Role Summary
The Product Owner for CIAM - Phone Channel is responsible for defining and delivering secure, low-friction customer identity and authentication experiences across IVR and agent-assisted channels. This role owns the strategy, roadmap, and execution of identity capabilities leveraging platforms such as Transmit Security (FlexID) and Pindrop, ensuring strong fraud prevention, seamless customer experiences, and alignment with enterprise CIAM standards.
This leader will drive modernization of IVR authentication, reducing reliance on legacy knowledge-based verification while implementing risk-based, device-aware, and voice intelligence-driven authentication strategies.
Key Responsibilities
1. Product Strategy & Roadmap
Define and execute the CIAM roadmap for phone channel authentication (IVR + agent assist).
Lead transition from legacy authentication (KBA/security questions) to modern CIAM approaches using:
Transmit FlexID orchestration
Pindrop fraud detection & voice intelligence
Establish a risk-based authentication strategy tailored to phone interactions.
Align with enterprise identity, Zero Trust, and omnichannel authentication frameworks.
2. Authentication & Identity Orchestration (IVR)
Own end-to-end IVR authentication flows including:
Pre-authentication (call entry, ANI validation)
Passive authentication (device/behavioral signals via FlexID)
Voice-based risk scoring (Pindrop)
Step-up authentication (OTP, callbacks, agent verification)
Partner with engineering to design low-friction, high-assurance journeys in IVR flows.
Ensure consistent identity decisions from IVR through agent handoff.
3. Fraud Prevention & Risk Management
Implement and optimize controls to detect and mitigate:
Account Takeover (ATO)
IVR bot attacks and automation abuse
Social engineering in agent-assisted calls
Leverage:
Pindrop for voice intelligence, call risk scoring, spoof detection, and anomaly detection
Transmit FlexID for identity orchestration, device intelligence, and adaptive authentication
Define policies for dynamic step-up authentication based on real-time risk signals.
Partner with Fraud, Call Centers, and Security teams to continuously tune detection thresholds and reduce false positives.
4. Backlog Ownership & Agile Delivery
Own and maintain a prioritized backlog of CIAM features across IVR and contact center platforms.
Write clear epics and stories including:
Authentication flows
Risk decisioning logic
Integration points (IVR, Pindrop, FlexID, CRM, agent desktop)
Partner with engineering teams to deliver integrations across:
Telephony/IVR platforms (e.g., Genesys, NICE, Verint, Cisco, SBC's, Avaya)
Transmit Security platform services
Pindrop APIs and event streams
Manage cross-team dependencies and ensure release readiness.
5. Stakeholder Management
Serve as the primary liaison across:
Contact Center Operations
Fraud/Risk teams
Information Security
Enterprise CIAM platform team
Architecture and Engineering
Ensure solutions balance security, customer experience, and operational efficiency (AHT, containment).
Support executive updates and communicate roadmap, performance, and risk posture.
6. Data, Analytics & Optimization
Define and track KPIs, including:
Authentication success and failure rates
Fraud detection/prevention rates
IVR containment rate
Agent handle time (AHT) impact
Step-up authentication frequency and success
Use Pindrop and FlexID insights to continuously optimize authentication journeys.
Support A/B testing of authentication strategies to reduce friction and improve security outcomes.
Required Qualification
Product ownership or product management experience in:
Identity & Access Management, Fraud, or Contact Center technologies
Direct experience with:
IVR/call flows and telephony ecosystems
Authentication and identity verification in a phone channel
Strong understanding of:
Risk-based authentication (RBA)
Account takeover prevention strategies
CIAM principles and orchestration layers
Experience working in Agile environments with cross-functional teams.
Preferred Qualifications
Hands-on experience with:
Transmit Security (FlexID or similar orchestration platforms)
Pindrop (Protect, Passport, or voice intelligence solutions)
Experience implementing:
Voice biometrics or passive voice authentication
Bot detection solutions in IVR
Familiarity with CIAM platforms such as Ping, Okta, ForgeRock, or Azure External ID
Experience in highly regulated industries (financial services, telecom, healthcare)
Core Competencies
Strong balance of security mindset and customer experience focus
Ability to translate fraud risk into actionable product decisions
Systems thinking across IVR, identity, and backend orchestration
Executive-level communication and stakeholder alignment
Data-driven decision-making and continuous optimization
What Success Looks Like
Reduced fraud losses and measurable improvement in fraud detection rates
Seamless, low-friction authentication experiences in IVR
Decreased reliance on knowledge-based authentication
Improved IVR containment and reduced agent handle time
Fully integrated identity orchestration across Pindrop + Transmit FlexID + IVR ecosystemPNC 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

• Owns the vision and definition of the product. Serves as the voice of the Customer. Ensures the Scrum Team(s) effort is concentrated on the right priorities based on business value.
• Defines and conveys the vision to the team(s) in order to address client requirements to ensure a successful product for business objectives.
• Accountable for the creation of and the integrity of the product backlog. Prioritizes and leads grooming of the product backlog.
• Works closely with the Scrum Master(s) and development team(s), to ensure the right items are focused on during the development process. Primary point of contact for questions from the team(s) and is empowered to make decisions.

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 SkillsAccountability, Customer Solutions, Data Visualization, Identity Access Management (IAM), Interactive Voice Response (IVR), Prioritization, Scrum, User Experience (UX) DesignCompetenciesAgile Development, Business Acumen, Design Thinking, Effective Communications, Innovation, Interpersonal Relationships, IT Standards, Procedures & Policies, Managing Multiple Priorities, Organizational Leadership, Planning and Organizing, Solutions DevelopmentWork ExperienceRoles 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.EducationBachelorsCertificationsNo Required Certification(s)LicensesNo Required License(s)Pay TransparencyBase Salary: $65,000.00 - $139,150.00Salaries 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 WindowGenerally, this opening is expected to be posted for two business days from 05/28/2026, although it may be longer with business discretion.BenefitsPNC 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, visitpncthrive.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.

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