M&T Bank

Product Manager

• Accountable for defining and executing product vision and roadmap for Loan Agency capabilities; reporting to the Senior Product Owner for Loan Agency
• Define and manage OKRs that align with Institutional Services business priorities
• Create and maintain a prioritized feature list reflecting business architecture and evolving user needs
• Build and maintain current and future-state business process and workflow models
• Translate strategic goals into actionable delivery roadmaps, balancing short-term execution with long-term transformation
• Focus on outcomes over outputs using design thinking and analytics
• Define, own, and deliver the vision and roadmap for one or more major business technology products
• Prioritize and groom backlog; write clear user stories and specify acceptance criteria using ATDD
• Develop and update capacity and demand plans to ensure proper resourcing
• Make autonomous decisions to keep delivery aligned with vision and strategy
• Own and drive evolution of deal and facility setup, trade processing, and lifecycle servicing in Loan IQ and integrations
• Optimize loan servicing operations including cashflows, payments, notices, and reconciliations
• Enhance client and operational reporting, focusing on simplification, standardization, and self-service
• Act as the voice of the client; advocate for issuer, investor, and internal operational team needs
• Provide stakeholders with progress updates through dashboards and reporting tools
• Collaborate with other Product Owners to align client journeys and dependent backlogs
• Understand and adhere to Company risk, regulatory standards, policies and controls; identify risk issues needing escalation
• Maintain internal control standards and implement audit/regulatory points
• Manage and administer platform for Institutional Services including user onboarding, entitlement management, upgrades, issue resolution, and support coordination

Digital Product Owner – Loan Agency

Manager

• Manage a team of quantitative analysts and modelers within Treasury supporting credit, interest rate risk, liquidity risk, CCAR/stress testing and economic capital
• Lead end-to-end model development and implementation for behavioral models used in credit risk management, interest rate risk, liquidity risk, stress testing and economic capital
• Facilitate model development effective challenge and coordinate with Model Development Working and Oversight Groups
• Present analytical results, recommendations and findings to senior management and executive stakeholders
• Collaborate with internal and external partners to develop pricing, underwriting and funding strategies to maximize profitability
• Develop and implement performance metrics, reporting and forecasting using models to support decision-making
• Manage knowledge and sourcing of bank-specific and industry data; serve as liaison for data sourcing
• Maintain model documentation, process narratives and performance monitoring guidelines
• Lead engagements with Model Risk Management for validation exercises and ensure regulatory compliance
• Serve as subject matter expert for Treasury projects and partner with product, underwriting, recovery, Balance Sheet Risk Management and external consultants
• Mentor and supervise less experienced team members; manage staffing, performance appraisals and related managerial duties
• Define, develop and deploy risk management practices and infrastructure bank-wide; design and maintain internal controls
• Identify and escalate risk-related issues; promote inclusive environment reflecting M&T Bank brand
• Complete other related duties as assigned

Quantitative Manager, Credit Model Development – Consumer Credit

• Lead teams in analysis of origination, credit, financial, demographic, behavioral, market and economic data pertinent to the Bank’s customers, portfolios and products. Interpret results, develop recommendations and present findings to senior management.
• Manage the end-to-end model development and implementation process for behavioral models supporting the firm’s credit risk management, interest rate risk, liquidity risk, stress testing and economic capital practices.
• Facilitate the model development effective challenge process with the Model Development Working and Model Development Oversight Groups.
• Work with a wide range of internal customers, including executive management, to explain the benefits, limitations, assumptions and requirements for proposed models, scorecards and forecasts.
• Work closely with internal and external business partners to develop and implement strategies for optimal pricing, underwriting or funding strategy with the end goal of maximizing firm profitability.
• Develop and implement performance metrics, reporting and analyses using models to support data-driven decision-making and forecasting for the firm’s customers, products and portfolios.
• Manage knowledge of Bank-specific and industry data sources necessary to support quantitative analytical and modeling efforts.
• Serve as liaison across Bank-wide stakeholders to ensure appropriate data sourcing for projects.
• Manage satisfactory model documentation, including process narratives and performance monitoring guidelines to serve as reference source.
• Lead engagements with colleagues in Model Risk Management for model validation exercises.
• Serve as subject matter expert for all Treasury projects for senior management, creating partnerships with product teams, underwriting functions, Customer Asset Management and recovery teams, Balance Sheet Risk Management, external consultants, vendors and peer banks on all facets of quantitative risk management.
• Maintain a current knowledge of standard concepts, best practices and procedures within behavioral/econometric modeling practices ,as well as credit risk management, balance sheet management, interest rate risk and liquidity risk management fields to apply these to internal practices as appropriate.
• Mentor and supervise work of less experienced team members and assist in development of their technical and professional acumen.
• Define, develop and deploy best risk management practices and infrastructure Bank-wide.
• Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite.
• Design, implement, maintain and enhance internal controls to mitigate risk on an ongoing basis.
• Identify risk-related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Consultant

• Provide senior level expertise in audit engagements that span multiple portfolios and assess associated risks and controls
• Stay abreast of best practices, industry developments, and emerging risks and consult with audit teams
• Participate in execution of complex, highly visible audit procedures in a risk-focused manner while maintaining independence and professional standards
• Analyze audit findings requiring complex judgment and propose pragmatic solutions for final audit reports
• Drive audit teams in planning and execution of validation procedures for Internal Audit and Regulatory issues
• Organize and complete work within established budgets and time frames with minimal direction
• Incorporate the use of data analytics throughout all phases of the audit process
• Coach and mentor junior audit team members
• Proactively communicate audit status and issues to senior management and business stakeholders
• Adhere to compliance/operational risk controls and maintain M&T internal control standards
• Promote an environment that supports belonging and reflect the M&T Bank brand
• Deliver timely, high-quality, value-added audit reports meeting Audit Committee and regulatory expectations
• Periodically interact with external regulatory agencies and external auditors

Audit Consultant

Data Analyst

• Assist in development and analysis of quantitative/econometric behavioral models for credit risk, interest rate risk and liquidity risk management
• Prepare, manage and analyze large customer loans and deposit data sets using SQL or similar tools
• Specify and estimate econometric models; run regressions (time series, logistic), programming routines and other econometric analyses
• Communicate results with graphics and tables to Treasury management, business lines and Risk Management
• Execute models in production and track portfolio and model performance
• Incorporate observations to improve predictive results and identify deviations and risks/opportunities
• Support development and maintenance of model documentation, process procedures and performance monitoring guidelines
• Engage with Model Risk Management for validation exercises and comply with regulatory guidance and internal controls
• Provide financial analysis and data support across the Bank and complete other related duties as assigned

Credit Modeling Quantitative Analyst I

• Provides experienced support in the development and analysis of quantitative/econometric behavioral models used for credit risk, interest rate risk and liquidity risk management, as well as balance sheet and capital planning.
• Supports more experienced analysts and management in data analysis, model development efforts and ad-hoc analysis as needed.
• Prepare, manage and analyze large customer loan, deposit and/or financial data sets for statistical analysis in Structured Query Language (SQL) or similar tool to properly specify and estimate econometric models to understand customer or Bank behavior for purposes of credit, interest rate, liquidity or stressed capital risk management.
• Run regressions (including time series and logistic regression), programming routines and other econometric analyses to specify models using appropriate statistical software; communicate results, including graphic and tabular forms, to fellow team members, Treasury management and Bank-wide stakeholders, including the business lines and Risk Management colleagues to demonstrate key risk drivers and dynamics of model output.
• Execute models in production environment; communicate analytical results to Bank-wide stakeholders.
• Track portfolio performance, model performance, campaign tracking and risk strategy results.
• Incorporate observations and data into existing models to improve predictive results.
• Identify deviations from forecast/expectations and explain variances.
• Develop and maintain satisfactory model documentation, including process narratives and performance monitoring guidelines to serve as reference source.
• Support engagements with colleagues in Model Risk Management for model validation exercises.
• Provide guidance and direction to less experienced personnel regarding all aspects of data and financial analysis and development and management of predictive statistical models.

Quantitative Analyst II, Credit Modeling

Administration

• Support the Relationship Manager with oversight of client relationships
• Perform daily cash application and position reconciliation
• Perform daily and monthly tie-outs of underlying loan characteristics
• Liaise with auditors, underwriters, CLO managers, private debt managers, and other parties involved
• Assist with global asset set up and maintenance
• Perform trade and wire processing for daily trading activity
• Strategize, recommend, and implement innovative ideas for improved daily workflows
• Exposure across entire lifecycle of servicing loan clients including account setup, KYC procedures, global asset setup & maintenance, notice processing, warehouse reporting, CLO / Compliance Reporting & waterfall payments
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls; identify risk-related issues needing escalation to management
• Maintain internal control standards, implement audit points and address issues raised by external regulators
• Complete other related duties as assigned

CLO Client Administrator II

Collections

• Manages an assigned collections team responsible for collections, repossessions, remarketing of assets, litigation, and bankruptcies for small ticket business equipment leases.
• Manage the collection of past due payments of active loan and lease accounts to bring the delinquency ratio within target ranges.
• Assist assigned Collectors with assessing collections options, tools, and implementation of tactics to secure payment or minimize loss.
• Assist in asset repossession and remarketing, concentrating on those of a more complex nature, to minimize time frames for acquiring and reselling assets, while maximizing funds received.
• Assist in bankruptcy and litigation to minimize time frames for collection of funds and to maximize amount received.
• Work with external servicing vendor to monitor delinquencies, assist with individual accounts, and provide guidance and decisions on a timely basis as needed.
• Approve, or recommend for approval, asset sales, and litigation and collection settlements within assigned authority.
• Establish and implement and ensure adherence to relevant policies and ensure proper accounting for collection accounts.
• Utilize tracking and reporting systems to effectively manage daily activities of all managed functions; analyze reports to identify issues and make subsequent recommendations and/or take appropriate action to address them.
• Provide ad-hoc and established summary reports for management.
• Develop and implement strategies for improving collection effectiveness to reduce delinquencies and charge-offs, and maximize funds recovered while minimizing recovery timeframes.
• Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
• Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite.
• Design, implement, maintain, and enhance internal controls to mitigate risk on an ongoing basis.
• Identify risk-related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Collections Manager

IT Support

This role will be responsible for managing and leading audits within the Risk Management and Capital Planning area of the Bank as wells as coaching team members to deliver a quality product in line with department and industry standards and expectations.
Overseeing ongoing risk assessment, control identification, audit execution and continuous auditing of the Risk and Capital audit portfolio.
Assist in the development and support of the department’s strategic vision including supporting continued enhancements to audit methodology, ongoing stakeholder engagement, talent management, and overall promotion of the Audit Department within the organization.
Support the department’s risk assessment process and development of the annual audit plan to determine audit coverage for Risk Management and Capital Planning processes.
Independently manage all phases of the process, including continuous auditing and validation procedures, with minimal oversight from the Audit Director and in a risk focused manner for designated lines of business.
Consult with business stakeholders regarding risk and control matters and propose solutions to audit findings.
Lead audit teams in incorporating the use of data analytics to drive decisions throughout all phases of the audit process.
Coach, mentor, and oversee the work of junior audit team members, and participate in overall staff development for the department.

Senior Internal Audit Manager – Risk Management and Capital Planning

Customer Support

• Provides exceptional service experience to our front-line colleagues to help them better service external customers of the bank, leading with empathy.
• Responds to incoming requests on bank products and services via phone and electronic channels to help customer-facing employees better service external customers of the Bank.
• Builds trusted relationships with front line colleagues by assuring we are providing correct information and support.
• Provide exceptional service to customer facing colleagues in areas such as the branch, by providing information or completing a service transaction to support their servicing external customers of the Bank.
• Provides solutions for common requests and escalates complex customer needs to the appropriate team.
• Leverages resources and works collaboratively with our front-line colleagues to provide awareness of self-service opportunities.
• Document all contacts electronically detailing the interaction as required, to provide a record for future activity and identify recurring problems.
• Identify and escalate opportunities to improve our operating model.
• Acquire and maintain knowledge and thorough understanding of pertinent operations policies and procedures.
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls.
• Identify risk-related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards and complete other related duties as assigned.

COR Support Specialist

Financial Planning and Analysis

Work Arrangement/Location: This is a hybrid position requiring in-office work three days every week at the One M&T Plaza corporate office in Buffalo, NY
Conduct research and prepare financial analysis and reports.
Provide management with financial information for use in setting and obtaining bank objectives.
Provides cross training/support to new team members
Compile facts, analyze data and provide input into recommendations to management on findings/trends.
Assist with the design of projects and may lead projects of moderate scope.
Research and compile raw data from varied sources into moderately complex reports and schedules.
Execute & suggest improvements/enhancements to existing forecast models/pro forma analysis by working with others on closely related teams to exchange information in a collaborative and professional manner
Enhance the sustainability & documentation of assigned tasks/processes
Uses judgment based on the analysis of information to identify meaningful information
Display proficiency in the systems/tools used to generate standard financial reports on a periodic basis
Demonstrate a working knowledge of finance and accounting concepts through the aggregation of financial data
Display foundational understanding of M&T's (or applicable Business Unit within) financial statements; including awareness of key drivers/trends in major Balance Sheet and Income Statement line items
Participate in training and development opportunities across Finance and among supported businesses
Understand and adhere to department timelines and deliverables
Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management.
Promote an environment that supports belonging and reflects the M&T Bank brand.
Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
Complete other related duties as assigned.

Financial Analyst II, Financial Planning and Analysis

Product Designer

• Design user flows and interfaces for digital and in-branch account opening, focusing on our digital sales research site, form design, and application clarity.
• Translate research, business requirements, and technical constraints into customer centric solutions.
• Create concepts, wireframes, high-fidelity designs, and prototypes that communicate ideas and drive alignment across teams.
• Collaborate closely with product owners, developers, and other partners to define functionality and ensure successful implementation.
• Contribute to, and advocate for design standards, accessibility best practices, and design system usage.
• Conduct design critiques, participate in team rituals, and iterate on designs based on feedback from designers, product, developers, and stakeholders.
• Support usability testing and partner with researchers to gather insights that inform your design decisions.
• Mentor more junior designers and contribute to growing a culture of design quality, craft, and collaboration.
• Influence product roadmap planning by identifying design opportunities, raising usability concerns, and helping prioritize work based on customer and user impact.

Senior Product Designer

General Counsel

• Provide counsel and advice on complex legal matters affecting MTRCC and lead a team of legal professionals
• Advise on MTRCC’s multifamily loan origination, closing, and servicing activities, while supporting strategic initiatives and managing legal risk
• Perform a variety of complex or specialized legal activities to protect MTRCC and M&T and help ensure they comply with all relevant laws and regulations
• Provide legal advice in multiple areas of expertise to MTRCC’s senior managers to ensure their activities, policies, business practices, and transactions comply with all relevant laws and regulations
• Make recommendations to senior management on how to respond to legal issues or proposed changes in laws and regulations and to changes in agency guidelines
• Lead and manage a team of professionals supporting legal and corporate secretary functions and support MTRCC Compliance group
• Serve as subject matter expert to MTRCC senior management on legal and governance matters, and as needed support MTRCC compliance
• Supervise outside counsel and internal staff on documentation for production, underwriting and asset management
• Review and analyze complex borrower and portfolio-related documentation requests
• Oversee legal aspects of third-party selling relationships, including joint ventures, correspondents, and brokers
• Support contract negotiation and documentation for agency relationships
• Review and prepare complex, non-standard contracts and documentation and provide legal guidance to the business team
• Monitor and resolve issues with outside counsel
• Collaborate with M&T Bank Legal, Compliance, and Corporate Secretary teams to ensure alignment
• Assist with special projects and strategic initiatives as directed by the MTRCC President & CEO
• Ensure adherence to internal controls and regulatory requirements, and provide legal support to MTRCC compliance group in this regard
• Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations

Senior Associate General Counsel - Realty Capital (Hybrid - NY, NY)

Procurement

• Coordinate and organize supplier contract information for the Strategic Sourcing Team.
• Upload and enter contracts into the Contract Repository accurately, capturing critical operational details
• Administer a monthly process to solicit contract disposition feedback from internal stakeholders and take associated action.
• Generate regular and ad-hoc departmental reports as required and/or requested.
• Execute quality control processes to maintain data integrity.
• Complete project work to enhance contract metadata.
• Respond to requests for contract documentation.
• Provide input on process improvement initiatives.
• Review and analyze existing third-party contracts against Bank standards
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s risk appetite.
• Identify risk-related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Complete other related duties as assigned.

Strategic Sourcing Contract Administrator

Risk

• Conduct the independent review and validation of select models used in the organization, focused on assessing risk and validating specific categories of models across the Bank, and ensure compliance with SR 11-07.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.
• Plan, organize, and produce results.
• Interact with internal and external stakeholders/vendors to manage Model Risk and maximize shareholder return.

Digital Product Owner – Loan Agency

Quantitative Manager, Credit Model Development – Consumer Credit

Quantitative Manager, Credit Model Development – Consumer Credit

Audit Consultant

Credit Modeling Quantitative Analyst I

Quantitative Analyst II, Credit Modeling

CLO Client Administrator II

Collections Manager

Senior Internal Audit Manager – Risk Management and Capital Planning

COR Support Specialist

Financial Analyst II, Financial Planning and Analysis

Senior Product Designer

Senior Associate General Counsel - Realty Capital (Hybrid - NY, NY)

Strategic Sourcing Contract Administrator

Model Risk Analyst III - Validation