M&T Bank

Risk

• Independently and continuously evaluate the area's management of key processes for the effective and efficient mitigation of data and technology operational risk.
• In a risk-based and collaborative manner, ensure underlying elements of the risk management framework accurately reflect the data and technology operational risk environment.
• Identify gaps or deficiencies and ensure remediation activities address the risk.
• Escalate through the governance structure up to and including senior management / governance committees, as appropriate.
• Lead initiatives to analyze various elements of said framework.
• Prepare and support with levels of oversight and guidance appropriately detailed reports/presentations for/to management relating to and providing opinions on, the state of and/or concerns with the data and technology operational risk environment of the business function.
• Actively participate in designated risk committees and other meetings, serving as the second line of defense representative in any discussions.
• Ensure the communication of relevant concerns or positions taken to appropriate management.

Data Risk Oversight Advisor

User Researcher

• Create deep understanding and empathy around user needs
• Design and execute primary research to explore user behaviors and motivations
• Deliver clear, compelling written, visual, and in-person presentations
• Drive definition of user problem statement and alignment
• Employ a range of UX Research methodologies
• Perform sophisticated, rigorous analysis of research data
• Build and maintain a strong partnership with Market Research and analytics teams
• Communicate research results through effective storytelling

Senior User Experience Researcher

Product Manager

• Responsible for providing the strategic direction for Oracle EPM Cloud environment
• Designs product and develops market strategies and goals
• Formulates and implements policy and procedures
• Ensures successful implementation and monitoring of goals
• Responsible for all product financials including revenue planning and product profitability
• Conducts reviews of new developments in company markets
• Manages all aspects of new product implementation and existing product modification
• Establish marketing objectives and develops effective programs to sell services/products
• Promote an environment that supports belonging and reflects the M&T Bank brand

Product Manager IV – Oracle EPM Cloud

• Serves as owner of Oracle EPM Cloud environment representing the voice of the customer and stakeholders
• Defines product vision and roadmap, prioritizes the product backlog
• Anticipates client needs and serves as primary communicator between product stakeholders and teams
• Evaluates product progress at each iteration
• Plays a key role in the company’s strategic direction, defining and articulating new opportunities
• Works in close concert with key stakeholders, including senior leadership and their dedicated agile team
• Builds and owns the large product vision and roadmap that aligns with the overall strategic intent
• Writes user stories and grooms the backlog in partnership with the team
• Specifies acceptance criteria for each user story in support of moving the team to Acceptance Test-Driven Development (ATDD)
• Collaborates across teams and with other Product Owners to align the customer journey

Product Owner II – Oracle EPM Cloud

Compliance

• Consult with senior managers of business units on complex compliance and operational risk matters
• Evaluate the effectiveness of existing processes, risks, and controls and provide recommendations
• Develop and communicate recommendations that support adherence to regulations, industry best practices and/or the CRM program
• Prepare and support detailed risk reports and presentations for senior and executive audiences regarding the operational risk environment.

Senior Compliance and Operational Risk Advisor

IT Support

• Responsible for credit review and oversight at the screening stage of multifamily (conventional and affordable) and/or healthcare transactions under the Fannie Mae, Freddie Mac or balance sheet/bridge loans.
• Analyze and review the multifamily screening analysis ensuring loans are structured and underwritten in accordance with appropriate investor guidelines.
• Responsible for accurate loan sizing and overall risk assessment prior to application utilizing specific investor underwriting guidelines and requirements.
• Work with Originators and prospective borrowers to obtain critical property, management, and borrower details for each transaction.
• Facilitate the handoff to underwriting and be available as a resource to bridge the gap from screening to underwriting.
• Stay current new or revised legislation and regulations that may impact established policies.

Credit Manager – MTRCC

• Responsible for developing and executing plans to defend the bank and our clients from fraud losses associated with the bank’s payment rails, products, and tools.
• Serves as the central point of accountability for aligning bank resources across the enterprise to help Commercial and Business Banking clients mitigate their exposure to fraud.
• Aligns closely with Product Managers, Operations, and IT partners to drive the investment in, and delivery of, highly effective fraud mitigation product and tools for our clients.
• Continuously assesses the condition of our fraud mitigation program and deliver fact-based recommendations for improvements and refinements.
• Establish an enterprise view of our fraud control investment portfolio and roadmap by coordinating with Product, IT (including Cyber Security, application owners, and agile teams), Operations (including Financial Crimes), and business leaders.
• Effectively advocate for appropriate investments to address weaknesses and establish a best-in-class fraud defense program.
• Play the leading role in defining and delivering client authentication capabilities for all client interactions that are both effective and market-competitive.
• Develop educational programs and communications that will keep all Commercial and Business Banking clients, front line teams, and support teams well-informed on fraud trends, risk mitigation techniques, and changes in bank processes and policies that will help mitigate fraud.
• Act as point of escalation when fraud events occur to coordinate communications and action steps between clients, relationship teams, and support teams (including Legal, Financial Crimes, and service teams).

Senior Fraud Product Manager

Analyst

• Serve as resource in a defined area of CAM and represent business practices and interests in various projects with internal and external stakeholders.
• Interact with business partners across the Business Banking, Commercial, Consumer, Mortgage and Retail platforms to leverage technology, system enhancements and projects.
• Develop and produce non-routine departmental reports and spreadsheets, including project or product strategy analyses, historical reporting, workflow analyses and financial analyses.
• Conduct non-routine analysis and judgment-based work to support CAM decisions.
• Conduct non-routine data review, research, and/or reconciliation for assigned areas of CAM.
• Draft and/or edit procedures related to functional areas of CAM.
• Support departmental audits, user certifications and compliance testing for CAM.
• Lead and participate in planning, testing and implementing new projects, systems, products and regulatory changes impacting CAM team(s).

Property Preservation Analyst II

• Lead the product strategy and roadmap for Commercial Card capabilities, including digital platform enhancements, spend management solutions, controls, pricing, fraud prevention, and client experience improvements
• Develop and execute strategies to strengthen the competitiveness of the Commercial Card portfolio against fintech and nontraditional market entrants by improving speed, usability, data insights, integration capabilities, and overall client value proposition
• Identify, evaluate, and enable fintech partnership opportunities that expand capabilities, accelerate delivery, improve client experiences, or open new distribution and embedded finance use cases
• Drive commercialization and scaling of new offerings, including pilot execution, go-to-market planning, sales enablement, cross-functional readiness, and post-launch adoption
• Partner with internal stakeholders across Sales, Account Management, Treasury, Operations, Servicing, Risk, Compliance, Legal, and Technology to prioritize investments and deliver business outcomes
• Represent the voice of the customer and the business in discussions with external partners, processors, networks, fintechs, and technology providers to ensure solutions align with market needs and strategic priorities
• Monitor market trends, client demands, competitive offerings, and emerging technologies such as virtual cards, embedded finance, API-enabled integrations, and payment automation to identify opportunities for innovation and growth
• Support business case development, pricing strategy, governance, and performance tracking to improve adoption, profitability, and portfolio outcomes
• Lead complex, cross-functional initiatives from concept through launch and ongoing optimization, using strong communication, influence, and execution discipline to drive results.

Product Manager IV

Architect

• Documents, visualizes, and articulates overall technical health, current and target states of Enterprise Architecture in collaboration with domain leadership.
• Develops roadmaps with domain leadership to incorporate industry trend data.
• Provide consultation services to domain leadership to improve technology delivery and operational efficiency.
• Research and communicate fact-based recommendations to support the domain in the Enterprise Architecture governance process.
• Provide thought leadership and build strong stakeholder partnerships to articulate current state, target state and domain roadmap.
• Partner with delivery teams and domain leadership on architecture areas to include business, application, data, cloud/infrastructure, security, integration, operations, and support.
• Research, understand and apply existing, new and emerging technologies and trends to determine their potential impact on technology domains.
• Identify opportunities and approaches for solving domain problems from a broad enterprise perspective.

Business Architect

• Responsible for providing the strategic direction for multiple product lines and/or services
• Designs product, and develops market strategies
• Monitors the achievement of goals
• Formulates and implements policy and procedures
• Directly responsible for product pricing, cost structure, and product risk
• Review new developments in company markets, evaluating and recommending new services or products
• Manage all aspects of new product implementation and existing product modification
• Develop and provide ongoing group and individual training for staff

Full-stack Engineer

• Design, develop, and maintain high-quality Hogan IDS / CIS / UMB / RPM applications and batch processes.
• Work extensively with HOGAN, JCL, JSCAN, EZTRIEVE, VSAM, TSO Utilities, CA7, FILEAID, XPEDITER, and ABEND-AID.
• Leverage our DevOps pipeline to build, test and deploy code.
• Troubleshoot complex production issues, ensuring reliability and performance of mission-critical systems.
• Leverage and deploy API sets via zOS Connect and REST services.
• Collaborate with cross-functional teams on analysis, design, testing, and implementation of solutions.
• Leverage IBM’s new zDIH technology to improve data integration, analytics accessibility, and modernization initiatives.

Senior Software Engineer

• Act as a strategic product management partner, influencing solution strategy, roadmap execution, and prioritization across core payment and automation solutions.
• Own defined payment capabilities and initiatives, delivering clear requirements, success metrics, and business cases.
• Translate client workflows into scalable bank solutions across onboarding, implementations, servicing, and escalations.
• Document data flows, dependencies, and integrations; manage client impact and go live readiness.
• Collaborate in Agile or hybrid delivery models with engineering teams.

Product Manager III

Business Analyst

• Responsible for measuring, monitoring, and strategically managing M&T’s balance sheet and interest rate risk position
• Manage and participate in the completion of complex processes and analysis specific to measuring the interest rate risk of the Bank’s balance sheet
• Manage the process of obtaining business line forecasts of balance sheet activities pertinent to forecasting net interest income
• Complete complex analyses to support business assumptions and decisions
• Provide feedback and make recommendations to management regarding the results and how to mitigate potential risk
• Stay abreast of trends within the financial services industry and economy
• Participate in planning, developing and implementing various projects and initiatives to improve the Division’s risk management framework
• Direct activities of participants in executing projects specific to risk management aspects of the Asset/Liability process

Lead Treasury Asset Liability Management Analyst

Data Analyst

• Provides technological and data support, including software support, report development, ETL (extract, transform, load) program design and in-depth data analysis.
• Support design and implementation of routine and non-routine processes to extract, transform and load processes established to aggregate various data sources across the Bank used in analysis and modeling.
• Create technical and design specifications based on business requirements and in clear and concise formats.
• Lead documentation efforts as needed.
• Apply critical thinking to independently navigate issues.
• Support design of quality assurance on data feeds and remediation of inconsistent or erroneous data to ensure accuracy of data used in these analyses; investigate and respond to ad-hoc data questions.
• Support design and implementation of data structures through proper change management for use by multiple risk practice groups.
• Execute, maintain and design reports and data visualization using appropriate analytical software.
• Provide analysis and data support to groups and departments across the Bank as needed.
• 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.

Data Risk Oversight Advisor

Senior User Experience Researcher

Product Manager IV – Oracle EPM Cloud

Product Owner II – Oracle EPM Cloud

Senior Compliance and Operational Risk Advisor

Credit Manager – MTRCC

Senior Fraud Product Manager

Property Preservation Analyst II

Product Manager IV

Business Architect

Product Manager IV

Senior Software Engineer

Product Manager III

Lead Treasury Asset Liability Management Analyst

Treasury Data Analyst II