Compliance Program Advisor

Job : R239012

Posted:

Location:

NC
- Charlotte (28207); PA
- Pittsburgh; OH
- Cleveland; NC
- Charlotte Salary: $76,000.00 - $Type:
Full time Country:
United States of America Company: PNCPosition 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, OHIn 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,…