M&T Bank

Analyst

• Perform advanced credit risk data analysis on the small business portfolio to identify areas of risk
• Evaluate the risk of proposed product, process, policy, and model changes
• Provide ongoing monitoring of credit metrics
• Provide oversight of the quarterly ACL process and capital adequacy planning
• Ensure compliance with internal governance processes and external regulatory requirements
• Provide expertise and guidance to first-line partners
• Provide oversight and expertise in the model creation, testing and validation
• Develop and integrate model strategy to support business initiatives and regulatory compliance
• Lead Quantitative Analysts in establishing, monitoring, evaluating and interpreting data with a risk management focus
• Mentor and may supervise the work of junior team members and assist in the development of their analytical acumen, loss forecasting, and presentation skills
• Employ working knowledge of Credit Risk databases to provide data and 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

Business Banking Credit Risk Analyst, Expert – 2nd Line

Consultant

• Conduct independent quality assessments of root causes and action plans using an established governance framework.
• Provide direct, constructive feedback and hands‑on coaching to business partners when work does not meet quality standards.
• Teach and reinforce proper root cause methodology (e.g., Five Whys, DMAIC, Lean/Six Sigma tools).
• Ensure conclusions are supported by data and that action plans demonstrably eliminate the underlying issue.
• Facilitate cross‑functional discussions when similar root causes emerge across products or business lines.
• Partner with the business during action plan development to ensure plans are actionable, measurable, and aligned to the true root cause.
• Track progress through a centralized action‑plan management system and ensure accountability for execution.
• Identify and communicate emerging complaint themes, trends, and systemic risks.
• Use data analysis to validate root causes, confirm improvement, and guide decision‑making.
• Develop and maintain reporting, dashboards, and quality metrics to track root cause quality, action plan effectiveness, recurrence trends, and overall program health.

Independent Root Cause Quality Consultant – Customer Advocacy

Operations

• Completes medium complexity data entry and trade entry updates (documented/procedures) over range of disciplines
• Complete medium level of analysis and judgment based work over a range of disciplines within the department
• Complete medium complexity documentation for system input with quality control and validation and moderate customer service requests
• Obtain and review documentation prior to submitting to management the details necessary for departmental audits
• May take part of interdepartmental projects
• Respond to more complex requests involving research in multiple systems; complete adjustments and reconciliation
• Work with Senior Management to define and outline escalation criteria
• Utilize internal procedures across the department without collaboration to complete task
• Validate and reconcile various trade related details to include validating, reporting and customer confirmations
• Assist with cross-training and ensure basic understanding of tasks are correctly outlined
• 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

Treasury Operations Analyst I

• Engage with HR Center of Excellence and other business clients to discuss application changes related to enterprise-wide initiatives
• Participate in design discussions and ensure delivery of necessary functional specifications
• Attend meetings with various business lines to identify their requirements regarding user interface
• Prepare detailed functional specifications for assigned projects, including test plans, test scripts, and the execution of test scripts
• Conduct thorough research and analysis of complex data to ensure the accurate functional design of assigned projects
• Mentor less experienced staff in areas of application training, research analysis, and project methodology
• Schedule and facilitate project team meetings, documenting and distributing minutes as necessary
• Review business requirements with the technology team to ensure a clear understanding of project needs
• Serve as a subject matter expert, offering consultation and advice on how applications may be impacted by large initiatives
• Serve as Test Coordinator for large projects involving multiple modules of Workday
• Participate in and document data mapping for system integration, conversion, and acquisition-related projects

Senior Workday Analyst

Financial Planning and Analysis

• Conduct advanced financial research and analysis projects with a large amount of independence
• Provide comprehensive advice/options to senior management in an expert capacity for use in setting and realizing strategic objectives
• Allocate work as a team leader; train and mentor/develop junior team members
• Conduct independent research and complex analytical projects involving financial modeling/forecasting
• Design projects and may lead projects of moderate scope
• Build and maintain advanced forecasting models/tools; work in collaboration with business groups to provide insightful analysis
• Develop clear, concise written summations of analytical work
• Show accountability for accuracy and quality of work products of the team
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite

Financial Analysis Consultant IV – Corporate Development

Manager

• Manages all activities of a branch.
• Responsible for overall profitability by directing sales and business development.
• Leads team through coaching, performance management, and setting priority.
• Identifies customer needs through sales processes, using tools and resources to assist customers.
• Proactively prospects and grows Business Banking relationships through outreach.
• Builds the bank’s presence in the community.
• Ensures compliance with operational, security and control policies/procedures.
• Engages with all team members and business partners as appropriate.

Pipeline Branch Manager

Product Designer

• Manages a team of designers to research and design comprehensive customer journeys
• Partners with business and technology leadership to scope and prioritize critical journeys and experiences
• Develops the process and approach used by the team to address complex customer and business problems
• Oversees the efforts of designers and partners to deliver cohesive experiences aligned with business objectives
• Provides analytical, human‑centric consultation to leadership and partners to define and implement effective solutions
• Leads cross‑functional teams in strategy and execution, ensuring outcomes align to customer needs and business priorities
• Communicates complex ideas clearly and facilitates workshops across diverse groups
• Prepares and presents project status and outcomes to senior management

Experience & Process Design Manager

Data Analyst

• Provides analytical and technical support for the development, refinement, and ongoing monitoring of credit risk models used to meet regulatory requirements and support the Bank’s strategic risk management objectives.
• This includes models for loss forecasting, default probability estimation, and other credit‑sensitive behaviors across lending portfolios.
• Performs data preparation, exploratory data analysis, and model estimation under the guidance of senior modelers, leveraging strong quantitative skills and proficiency in Python, SQL, and statistical methods.
• Collaborates with Credit Risk Management, Model Risk Management, and business line partners to ensure model methodologies, assumptions, and outputs align with regulatory expectations and the Bank’s broader credit risk framework.
• Communicates analytical results through clear narratives, visualizations, and documentation that support model development, validation activities, and ongoing performance monitoring.

Credit Model Development Quantitative Analyst II – Small Business and Home Secured

• Provide support in the development and analysis of quantitative/econometric behavioral models for credit risk
• Assist in researching and developing quantitative behavioral models
• Prepare, manage and analyze large customer loan, deposit and financial data sets for statistical analysis
• Run regressions and other econometric analyses and communicate results to stakeholders
• Execute models in production environment; track portfolio and model performance
• Develop and maintain satisfactory model documentation

Credit Risk Model Development Quantitative Analyst II – Consumer Portfolio

Business Intelligence Analyst

• Own the development and evolution of executive-level dashboards and reporting tools
• Analyze large datasets to uncover customer and business insights
• Streamline existing reporting processes and implement automation solutions
• Partner with regional managers to deliver insights for bankers
• Collaborate with business partners, technology teams, and vendors

Lead Business Analytics, Reporting Analyst – Retail Banking Pricing, Products, Performance, Risk

• Provides analytical, operational and/or project support to one or more functional areas of Treasury Operations
• Completes medium complexity data entry and trade entry updates (documented/procedures) over a range of disciplines
• Complete medium level of analysis and judgment-based work over a range of disciplines within the department
• Validate and reconcile various trade-related details
• Work with Senior Management to define and outline escalation criteria

• Lead and oversee the independent validation of commercial CCAR/CECL and capital-related models
• Direct validation activities including conceptual soundness assessment, independent code replication and performance testing, data quality, completeness, and reconciliation testing
• Provide clear, risk-focused approval recommendations grounded in quantitative evidence and independent analysis
• Engage directly with model developers and business partners to provide technically rigorous challenge while maintaining a constructive working relationship
• Lead regulatory and audit interactions for the commercial portfolio, ensuring validation documentation reflects analytical depth and defensible conclusions
• Develop and mentor a technically strong validation team, setting high standards for analytical quality and intellectual discipline.

Senior Model Validation Manager – Commercial CCAR, CECL

Bilingual

• Manages all activities of a branch
• Responsible for overall profitability and success of the branch operating model
• Builds and develops branch staff
• Provides coaching and guidance to improve customer service
• Ensures compliance with operational policies/procedures

Pipeline Bilingual Spanish Branch Manager

QA Engineer

• Independently review and evaluate accuracy of credit memos and individual risk ratings on assigned credit memos and/or problem loan memos from a 2nd line perspective.
• Prepare written "line sheets" discussing reviews, evaluation and observations.
• Communicate regularly with business line management and/or relationship managers, Commercial Credit associates and managers, Credit Officers, Special Assets, etc.
• Assist with transaction testing scoping, reporting and data pulls as needed.
• Collaborate with Credit Accounting team to confirm impairment reserves for the problem portfolios.
• Assist the Department Manager and Team Leaders to develop and execute strategies to provide better insight into portfolio risk.
• Prepare written documents and escalate material findings to the Department Manager and/or Team Leaders on an ongoing basis.
• Assist with targeted Bank Examinations as required.

Senior Credit Quality Assurance Analyst

Compliance

• Consult with senior managers of business units on complex compliance and operational risk matters
• Assist in oversight of state, federal, domestic and possibly international regulator relationships and examinations
• Evaluate the effectiveness of existing processes, risks, and controls
• Develop and communicate recommendations that support adherence to regulations
• Maintain subject matter expertise and understanding of the laws, rules and regulations
• Develop and/or deliver training to support employees
• Escalate and measure compliance risk issues to leadership
• Liaise with CRM departments as appropriate in the execution of CRM program components
• Assist in Risk Assessment to identify compliance risk exposure
• Assess compliance issues presented through complex new/revised product and service offerings
• Design a plan for timely and effective resolution of complex issues identified through monitoring and testing
• Interact with State and Federal Regulatory Agencies
• Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards
• Maintain M&T internal control standards
• Independently evaluate management of key processes for effective mitigation of operational risk. Prepare and support detailed risk reports and presentations for senior and executive audiences regarding the operational risk environment
• Actively participate in designated risk committees and governance forums

Business Banking Credit Risk Analyst, Expert – 2nd Line

Independent Root Cause Quality Consultant – Customer Advocacy

Treasury Operations Analyst I

Senior Workday Analyst

Financial Analysis Consultant IV – Corporate Development

Pipeline Branch Manager

Experience & Process Design Manager

Credit Model Development Quantitative Analyst II – Small Business and Home Secured

Credit Risk Model Development Quantitative Analyst II – Consumer Portfolio

Lead Business Analytics, Reporting Analyst – Retail Banking Pricing, Products, Performance, Risk

Treasury Operations Analyst I

Senior Model Validation Manager – Commercial CCAR, CECL

Pipeline Bilingual Spanish Branch Manager

Senior Credit Quality Assurance Analyst

Senior Compliance and Operational Risk Advisor