M&T Bank

Administration

• Lead estate settlement from start to finish: identify/marshal assets, review legal documents, review income and estate tax returns, review accounting, and oversee distributions
• Coordinate with outside counsel, ensuring legal documents are completed accurately
• Partner with accountants, appraisers, and internal teams
• Serve as primary contact for beneficiaries and external partners
• Collaboration with Trust Officers on interim trust administration
• Ensure compliance, risk management, and fee oversight
• Mentor junior team members

Estate & Trust Administrator

Data Analyst

• Perform advanced credit risk data analysis in support of the consumer deposit overdrafts to identify areas of risk
• Evaluate the risk of proposed product, process, policy, and model changes
• Provide ongoing monitoring of credit metrics
• Forecast overdraft charge-off losses for capital adequacy planning and the annual operating plan
• Ensure compliance with internal governance processes and external regulatory requirements
• Provide expertise and guidance to first-line partners
• Support additional consumer unsecured products as needed
• Assist in establishing, monitoring, evaluating and interpreting data with a risk management focus with an understanding of business strategy
• Demonstrated working knowledge of relevant databases to provide data and credit risk analytical support to Senior Management
• Perform data manipulation and analysis using SQL, SAS and Microsoft Excel and present results and recommendations to Credit Risk Management
• Track portfolio performance and risk strategy results
• Incorporate observations and data into existing models to improve predictive results
• Identify deviations from forecast/expectations and explain variances
• Identify risk and/or opportunities
• Provide guidance and direction to lower level analysts regarding all aspects of data analysis and the construction of predictive statistical models
• 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.

Senior Quantitative Risk Analyst

Analyst

• Respond to and resolve Service Desk escalations based on outcome of previous incidents.
• Create/document procedures for work orders and request-based tasks.
• Use diagnostic tools to troubleshoot issues.
• Complete systems maintenance activities following Standard Operating Procedures (SOP).
• Research options when anomalies occur; identify recommendations to address them and review with senior staff.
• Participate in project work in cross-functional teams; lead technical team within a project and provide input to design efforts.
• Complete evening and weekend responsibilities as scheduled.

ESS Team Analyst

Consultant

• Provides senior level expertise in audit engagements spanning multiple portfolios
• Participates in execution of audit procedures in a risk-focused manner while maintaining independence
• Analyzes audit findings and proposes solutions for audit report
• Drives audit teams in planning and execution of validation procedures
• Organizes and completes work within established budgets and time frames

Audit Consultant – Core Technology

Financial Crime

• Review KYC documentation for new client accounts, ensuring all required data, supporting documentation, and regulatory requirements are fully satisfied
• Partner closely with Relationship Managers and internal teams to resolve questions, clarify requirements, and ensure timely account onboarding
• Identify gaps, inconsistencies, or potential risk indicators and take appropriate action, including escalation when needed
• Ensure all reviews are completed accurately and efficiently within established same-day service level expectations
• Work across multiple systems to validate information and complete reviews with a high level of precision
• Provide feedback to onboarding partners to improve quality, consistency, and adherence to KYC standards
• Recognize trends or recurring issues and contribute to process improvements and stronger controls

Senior Associate – Know Your Customer Verification, Private Banking & Institutional Services

Onboarding Specialist

• Conduct thorough KYC and onboarding reviews to ensure all client documentation is complete, accurate, and compliant with regulatory requirements
• Review account opening packages completed by client-facing partners, verifying key details such as signatures, dates, ownership structures, and required documentation
• Open and code accounts across internal systems, ensuring proper setup and adherence to established procedures
• Identify and escalate non-standard or higher-risk scenarios to ensure appropriate risk mitigation
• Manage a high-volume workflow in a fast-paced environment while meeting service level expectations
• Partner with internal stakeholders and service teams to resolve issues and gather required information
• Support onboarding for a variety of account types, including individual, trust, corporate, custodial, IRA, and estate accounts
• Maintain a strong focus on quality assurance and consistency, recognizing the role’s direct impact on regulatory and reputational risk
• Identify opportunities to improve processes and contribute to operational efficiency

Client Onboarding Associate – Know Your Customer Verification, Wealth Management Accounts

Business Intelligence Analyst

• Prepare and produce routine departmental reports and spreadsheets
• Responsible for data collection and consolidation for reporting
• Maintain and update various departmental reports
• Perform routine analysis and judgment based work
• Support continuous improvement of existing processes
• Assist with technical troubleshooting and escalations

Business Analytics and Reporting Analyst I

Product Manager

• Define and execute the digital custody and digital asset product strategy for Institutional Services
• Evaluate emerging market trends, technologies, and regulatory developments
• Own the end-to-end product lifecycle for institutional digital asset offerings
• Lead product design, development, implementation, and ongoing optimization
• Partner closely with Corporate Trust, Product Leaders, Transaction Managers, and banking partners
• Navigate sensitive client relationship matters and multifaceted deal structures
• Lead integration efforts with blockchain infrastructure providers, custody platforms, trust accounting systems, core banking platforms, and payment solutions
• Ensure products comply with applicable regulatory requirements
• Develop business cases, pricing concepts, and cost and risk models to support investment decisions
• Monitor product performance, client adoption, and market feedback to drive continuous improvement

Digital Assets Product Manager – Institutional Services

Account Manager

• Manages client relationships and daily administration of assigned Global Capital Markets (GCM) accounts
• Serves as main point of contact with the client and internal and external service partners
• Participates in development and delivery of innovative products and/or services
• Monitor relevant administrative and operational systems, databases and activity related to accounts
• Review, analyze and provide comments to counsel related to negotiation and drafting of operative documents and agreements
• Ensure coordination of activities related to monitoring risks and ensuring regulatory compliance
• Research and resolve issues related to control and client service aspects of assigned accounts
• Work with external parties to structure and close GCM transactions
• Manage relationships, cultivating current and prospective clients and referral sources
• Provide coverage and support for other Relationship Managers
• Represent GCM at transaction closings and chair client meetings

GCM Relationship Manager III

• Detects and prevents fraudulent activities by analyzing anomalous activity in near real-time environment
• Review transaction data from the real-time fraud detection system
• Place appropriate holds on accounts identified as having potentially fraudulent issues
• Contact customers by phone, mail and email to verify transactions
• Leverage fraud knowledge to communicate with customers, merchants, financial institutions, law enforcement and Bank personnel
• Ensure activities comply with applicable laws and regulations affecting fraud detection activities
• Communicate with customers, merchants and Visa personnel to authenticate customers
• Remain current on multiple fraud trends, threats, and imminent scams impacting the Bank’s portfolios
• Recommend changes to fraud detection system parameters to higher management
• Serve as primary fraud contact on all assigned cases
• Identify risk-related issues needing escalation to management

Fraud Detection Analyst

Bilingual

• Manages all activities of a branch and is responsible for the overall success of branch operations
• Directs sales and business development, meeting operational objectives and ensuring annual goals are achieved
• Coaches and develops branch staff while identifying customer needs through sales processes
• Engages with all team members and business partners as appropriate
• Independently processes all Business Banking loan requests up to $100,000

Bilingual Branch Manager – Korean or Spanish

Risk

• Responsible for management of one or more Enterprise Risk Management areas of focus across multiple business lines and risk pillars.
• Ensure adherence to enterprise risk related policies and procedures.
• Understand and utilize the Risk Management Framework, and develop and implement various elements of said framework.
• Provides independent oversight and critical challenge of the identification, assessment, monitoring, mitigation, and reporting of all significant risks and risk practices within the First Line of Defense and throughout the Risk division.
• Identify gaps or deficiencies, and ensure remediation activities address the risk.
• Lead initiatives to analyze various elements of said framework.
• Prepare and present materials/presentations to business partners, senior and executive management and risk committees.

Senior Manager, Enterprise Risk – Strategic and Reputational Risk

Operations

• Support the end-to-end processing and settlement of securities transactions for trust accounts
• Review and validate high volumes of trade activity to ensure accurate and timely settlement
• Reconcile trade data across multiple systems and investigate discrepancies or failed trades
• Resolve transaction issues by partnering with internal teams, investment managers, and third parties
• Process and record cash and asset movements in accordance with established procedures and controls
• Balance and research exception items across depositories, general ledger accounts, and internal systems
• Perform independent verification of transactional activity to ensure accuracy and mitigate risk
• Monitor shared inboxes and workflows to prioritize and respond to incoming requests
• Communicate effectively with front office, middle office, and external partners to resolve issues
• Identify opportunities for process improvements and support implementation efforts
• Ensure all activities comply with internal policies, regulatory requirements, and risk standards

Entry Level Securities Operations Specialist – Trade Settlement, Processing

• Support the design, maintenance and enhancement of AML frameworks, policies, procedures, controls, and tooling as they relate to digital assets, blockchain technology and cryptocurrency
• Provide support to design and enhance the risk framework and controls required to manage risk associated with digital assets and emerging banking solutions ensuring alignment with BSA/AML and sanctions compliance standards
• Conduct due diligence and risk assessment of digital assets prospects and clients
• Evaluate suitability and effectiveness of prospect and client AML compliance programs
• Conduct financial crimes investigations involving suspicious crypto-related activity
• Conduct small-group training sessions on crypto-related financial crime typologies and investigations tactics
• Identify suspicious transactions and coordinate with Financial Investigations Unit for potential Suspicious Activity Report (SAR) filings
• Conduct deep-dive risk assessments on new product and service offerings involving digital assets or emerging banking solutions

BSA/AML Digital Assets Compliance Consultant

• Process and reconcile corporate actions, including mandatory events such as mergers, restructurings, and entitlement postings to client accounts
• Interpret and validate data from internal systems and external vendors to ensure accuracy of client holdings and transaction activity
• Perform account balancing, suspense reconciliation, and exception research to resolve discrepancies
• Support high-volume, detail-oriented transaction processing across cash, securities, and asset movements
• Partner with internal teams including Financial Advisors, Investment Managers, and Operations to resolve transaction-related issues
• Complete independent verification of transactions processed by team members to ensure accuracy and control integrity
• Monitor shared team inboxes to manage incoming requests, prioritize work, and meet service level expectations
• Assist in processing class actions and other corporate event-related activities tied to client holdings
• Identify, escalate, and help resolve risk, compliance, or control issues in accordance with regulatory and internal standards
• Contribute to process improvement efforts to enhance efficiency, accuracy, and client experience