Business development officer - organizational financial

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 Business Development Officer III, you will be within PNC's Retail organization supporting the Organizational Financial Wellness team.

This position is primarily based in a PNC location. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities may be performed remotely, at manager's discretion.

PNC Organizational Financial Wellness offers a comprehensive suite of solutions to meet the needs of various businesses and their employees. The team is responsible for working directly with clients to develop and drive financial wellness programs aligned with organizational goals and objectives.

As a Business Development Officer III, you will be responsible for selling health-based accounts including Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs) and Qualified Transportation Accounts (QTAs) to employer groups with 1,000 or more employees (e.g. enterprise clients). You will work closely with sales leadership to create and execute sales strategies to acquire new enterprise clients by selling directly to employer groups and health plan carriers. You will be responsible for the entire sales cycle for enterprise clients from lead generation and negotiation to closing. You will collaborate with internal and external partners to achieve shared goals. Travel (50%) is expected based on business need.

In addition to the job description below, preferred requirements of the Business Development Officer III include:

• A deep understanding of health-based account products and the technical aspects of consumer-driven healthcare solutions.

• The ability to negotiate complex, high value agreements with large enterprise clients.

• Experience in developing and executing account and sales plans for large enterprise clients.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

• Manages effective network of internal and external relationships, such as community or industry relationships, to actively acquire new client relationships and/or expand existing client relationships. Cultivates referrals/leads, generates interest and collaborates with partners to close the sale.

• Engages with management and/or partners to establish and execute the appropriate activities, tactics and strategies to generate, identify and pursue new opportunities and successfully close the sale. Provides management with insight on industry trends, best practices and product needs.

• Leads meetings to educate partners to position the value of Retail capabilities. Assesses new business opportunities on a consistent basis, including completing book of business reviews, responding to new business inquiries and requests for proposals, and maintaining territory/focus lists. Drives team member accountability and participation.

• Maintains timely, accurate and complete sales administration tasks as determined by the business. May train, coach and/or mentor new team members.

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

Account Management, Asset Allocation, Capital Management, Credit Risk Analysis, Equity Valuations, Investment Banking, Sales

Competencies

Business Acumen, Customer Experience Management, Decision Making and Critical Thinking, Effective Communications, Financial Services Industry, Managing Multiple Priorities, Negotiating, Sales Function, Selling.

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)

Pay Transparency

Base Salary: $65,000.00 - $149,500.00

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 10/22/2025, 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; 8 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 Your PNC Total Rewards ( .

Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact us via email at [email protected] . 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 ( CCPA\ Privacy\ Disclosure\ Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.