M&T Bank

Financial Planning and Analysis

• Participate in and execute on the Department’s Regulatory Reporting Quality Assurance (RRQA) program
• Monitor and analyze guidance/ instructions issued by the Fed
• Tracking and following up on data issues identified through testing until remediation/completion
• Participate in the assessment of critical data fields
• Participate in and execute on the Department’s data quality rule process
• Assist in the expansion of the data quality rule process to other regulatory reporting
• Assist with the design of other projects as applicable and occasionally lead projects of moderate scope
• May be required to make presentations to immediate managers or peers
• Provide cross training/support to team members
• Participate in training and development opportunities across Finance
• Understand and adhere to department timelines and deliverables
• Understand and adhere to the Company’s risk and regulatory standards

Financial Analyst III – Data Governance

Software Engineer

• Focus on transaction execution and portfolio management and will partner with senior team members on complex transactions/account coverage
• Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan
• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating
• Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data
• Determine the need for more thorough investigation or additional information, and coordinate gathering of such information
• Analyze financial information and related materials and complete the credit analyses for the Bank’s commercial transactions
• Prepare summary, present facts, and offers opinions concerning credit-worthiness
• Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral, and guarantors.

Senior Commercial Credit Associate – Engineering & Construction

• Facilitate the credit needs of customers by analyzing new requests and material modifications from deal screen through approval and for the life of the loan
• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities
• Review all pertinent credit and financial information, including financial statements, tax returns, due diligence reports, etc.
• Analyze financial information and complete the credit analyses for the Bank’s commercial transactions
• Present analysis or address questions during credit request discussions or committee presentations

Commercial Credit Analyst – Engineering & Construction, E&C

Performance Marketing

• Manage end-to-end campaign execution (setup, buying, pacing, optimization, reporting) while identifying opportunities to enhance efficiency, scale, and impact
• Serve as a subject matter expert in video and digital paid media, providing guidance on channel strategy, testing frameworks, and optimization approaches across Google Ads, Meta, CTV, and emerging platforms
• Design and evolve testing strategies across creative, targeting, and channel mix, driving a culture of continuous learning and innovation
• Influence campaign direction through data-driven insights, synthesizing performance trends into actionable recommendations that shape stakeholder decisions
• Provide budget forecasting and reconciliation while proactively identifying risks and opportunities to optimize investment allocation
• Partner in the development of paid media plans, with media planner and brand stakeholders to align campaign approach to broader business objectives and brand strategy
• Partner cross-functionally (Brand, Creative, Analytics, Agencies) to ensure alignment, while building strong relationships that unlock new opportunities and improve outcomes
• Collaborate on advanced measurement approaches, including brand lift studies and incrementality testing, to better quantify business impact
• Elevate creative and media integration, influencing messaging strategy and rotation based on performance insights and audience behavior
• Create and present performance narratives to stakeholders, translating complex data into clear, strategic recommendations that influence decisions
• Mentor and support more junior team members, sharing knowledge, best practices, and guidance to elevate overall team capability
• Identify and introduce new tools, platforms, or approaches to improve efficiency, effectiveness, and innovation in paid media execution
• Complete other related duties as assigned

Marketing Lead – Paid Media

Account Manager

• Manages client relationships and daily administration of assigned Global Capital Markets (GCM) accounts of significant intricacy, complexity and risk
• 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
• Works with internal partners as appropriate
• Administers transactions that may have significant complexity and impact to GCM, including new and/or high impact clients
• 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
• Complete various account administration activities including timely cash flow execution and fee billing
• Evaluate fees for suitability and conformance with fee schedules
• Manage relationships, cultivating current and prospective clients and referral sources
• Provide coverage and support for other Relationship Managers within assigned Section/Unit as required

GCM Relationship Manager IV

• Process a steady flow of transactions
• Balance, research, and resolve exception items
• Partner with Front/Middle Office to clarify requests
• Verify transactional activity processed by teammates
• Identify and escalate risk, compliance, and suspicious activity issues
• Contribute to process improvements
• Uphold internal control standards

Entry Level Securities Operations Specialist – Trust & Investment Services

Operations

• 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 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 – Foreign Exchange, FX

• 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
• 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
• Coordinate 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 in a timely manner
• Complete various account administration activities including timely cash flow execution and fee billing
• Participate in sales calls to current and prospective clients and assist in preparation of fee proposals
• Manage relationships, cultivating current and prospective clients and referral sources
• Implement approved fee increases, discounts and waivers as instructed
• Partner with Fee Billing to monitor and timely collect aged receivables
• Provide coverage and support to other Relationship Managers
• Represent GCM at transaction closings and client meetings
• Participate in departmental projects and Corporate initiatives
• May supervise and/or mentor less experienced associates

GCM Relationship Manager I – M&A

Payroll

• Supports the activities of payroll and all tasks necessary to accomplish the organization’s payroll and compensation processing objectives with guidance and direction from leadership
• Completes payroll process steps, statutory and government regulations, while adhering to Company policies
• Responsible for supporting biweekly payroll function in the HR system, focusing on accuracy, timeliness, and accounting of all job functions
• Completes all necessary payroll activities as assigned under the guidance and oversight of more experienced staff
• Provide accurate and timely payroll processing of employees’ pay, time, leave and other time off
• Review and make necessary adjustments to terminated employees’ final pay; verify completion of timesheets and accuracy of dates, complete payment for accrued time off and severance as needed
• Partner with HR Service Team on resolving employee service cases, with support from more experienced staff
• Process off-cycle pay as requested; review retroactive pay transactions, etc.
• Sort and distribute payroll mail items
• Complete off-cycle stock transactions with oversight from more experienced staff
• Adjust time off accruals for scheduled hours changes
• Maintain knowledge of the regulations and policies affecting the payroll process
• 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 a culture of 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

Payroll Specialist

Risk

• Lead independent validation of complex quantitative models, including liquidity, IRRBB, FTP, QRM, and other Treasury and risk management models.
• Apply model risk governance standards, ensuring alignment with internal policies and regulatory expectations.
• Perform comprehensive testing such as conceptual soundness reviews, implementation verification, benchmarking, sensitivity analysis, challenger model development, and performance testing.
• Prepare high-quality validation documentation, including Model Validation Reports, technical appendices, and supporting analyses.
• Present validation results to model owners, developers, and risk/governance partners, and support issue remediation.

Expert Model Risk Analyst – Market & Treasury Risk Validation

Account Executive

• Responsible for developing new merchant services business
• Expanding existing business relationships
• Servicing the Bank’s merchant services clients
• Meet with existing business clients to expand relationships
• Call on prospective business clients to develop new merchant service sales opportunities
• Prepare and present sales presentations and proposals
• Act as a partner with Relationship Managers to market merchant services to clients and prospects
• Assist Regional Sales Manager in executing sales strategies

Commercial Payment Sales Consultant I – Branch Visits Required, Boston-Worcester Regions

Data Engineer

• Design, develop, and maintain scalable, high-performance data models supporting a Customer Data Platform
• Build and optimize complex SQL queries, views, and data transformations
• Develop and manage customer-centric data structures (profiles, events, identity resolution models)
• Integrate and harmonize data from multiple sources (CRM, web, mobile, transactional, marketing platforms)
• Support and enhance Customer 360 data models, enabling segmentation and personalization use cases for users of the platform
• Collaborate with stakeholders to translate business requirements into efficient, scalable data solutions
• Monitor and improve data quality, integrity, and consistency across the CDP ecosystem
• Implement and maintain ETL/ELT pipelines to support data ingestion and transformation
• Troubleshoot and resolve data discrepancies and performance issues
• Document data models, schemas, and lineage for governance and transparency
• 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.

Customer Data Engineer

• Responsible for managing a portfolio of loan and deposit relationships with small business clients
• Solicit new business and service existing clients through the bank’s relationship management program
• Work with branch partners to sell to business customers and cross-sell other bank products
• Evaluate credit information and recommend appropriate loan structures to manage risk
• Negotiate with underwriters and clients to maximize revenue and minimize risk

Business Banking Relationship Manager

Data Scientist

• Manage and participate in working with large data sets to solve unstructured problems using different analytical and statistical approaches for a single domain.
• Manage and participate in sourcing, ingesting, and cleaning of data sets in preparation for analysis, work with data teams to productionize and scale data cleanup process.
• Ensure data is stable, accounting for complex data drift in development and production.
• Manage and participate in the building of econometric, statistical and machine learning models for various problems inclusive of classification, clustering, pattern analysis, sampling, and simulations.
• Manage committing of complex coding into model repository to serve as a source for others and promote complex models into production system.
• Manage and develop champion/challenger models and adjust models accordingly.
• Manage, develop and implement framework for building self-healing models.
• Lead the selection and refinement of models taking into account performance, reliability and stability metrics and business feedback.
• Develop model refinement educational materials and deliver related training for data users.
• Guide less experienced data scientists on model development, selection, refinement, measurements, and visualizations and creating consumable model outputs.
• Create outputs from multiple models for business discussions to display model outcomes, impact and business value.
• Lead stakeholder meetings to discuss concerns, opportunities and production challenges.
• Work with more experienced data scientists to develop new research approaches, provide recommendations on how techniques will be adapted based on client needs, and attend meetings with data clients to understand their research questions.
• Review own and assigned team’s code to ensure it is efficient, accurate, and using best practices.
• 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.

Lead Data Scientist – Compliance Analytics

• Completes research and analysis to resolve consumer payments and payoff processing exceptions and out-of-balance conditions.
• Serves as escalation point on complex servicing issues within the unit.
• Responsible for multiple systems and product lines for consumer and mortgage products on the system.
• Participates in offshore vendor oversight.
• Complete complex data entry and system updates, analysis, interpretation and validation for consumer payments and payoff processing, consumer and mortgage maintenance, consumer exception payment processing, and dealer payoffs.
• Complete non-standardized document review and validation as well as intermediate document preparation related to consumer and mortgage maintenance, consumer exception payment processing and dealer payoffs.
• Respond to or initiate non-standardized requests related to consumer and mortgage maintenance, consumer exception payment processing and dealer payoffs.
• Complete high-complexity level non-standardized research related to maintenance, processing and payoffs for these products.
• Complete intermediate level analysis and reconciliation related to escalated maintenance, processing and payoff issues.
• Complete non-standardized exception processing for these products.
• Contact internal business partners, external customers and vendors as required to complete assigned responsibilities.
• Complete daily quality review and provide feedback for processing and tasks completed by the offshore team.
• Ensure activities comply with applicable laws and regulations.