Howard Forman supports PNC’s treasury management team as the Head of Digital Channels. His responsibilities include product management, product development, and user security/authentication functions for PINACLE®, PNC’s commercial online and mobile banking platform, as well as similar responsibilities for PNC’s API and embedded finance programs. He is a frequent speaker on a variety of topics relating to treasury management, payments and cyber security. He has held leadership positions with national industry associations, including NACHA and the AFP.