Trustco Bank Remote jobs

* Work Arrangement/Location: This is a hybrid position requiring in-office work three days every week. Ideally the position will be based in Buffalo, NY but may be in an M&T office in Buffalo, NY, Baltimore, MD, Wilmington, DE, or Washington, DC. There is potential for a remote work arrangement if the final candidate is not near one of the above locations. Overview: The credit model development team is looking for a senior model developer that can serve as a lead to independently develop and maintain quantitative models used for credit risk, capital planning or underwriting. The lead may supervise the work of model development analysts and provide direction to less experienced personnel on a project-by-project basis. This is a great opportunity to be part of a highly dedicated quantitative team of model developers. Primary Responsibilities: Develop and/or lead the development of quantitative models used for credit risk, capital planning or underwriting. This includes CCAR and CECL models and underwriting scorecards. Lead less experienced model developers and analysts as required to meet project objectives. Use Python, SAS and SQL to manipulate customer loan or financial data for statistical analysis and model development. Employ common model methodologies such as logistic regression, time series, survival analysis, boosted trees and similar machine learning methods to create robust and flexible solutions to complex business problems. Work with multiple model stakeholders across different areas of the bank to create solutions that meet their business needs. Use a full array of communication skills and visual analytics to obtain business partner requirements, present analyses, explain complex models to non-technical partners, and respond to enquiries from stakeholders. Write comprehensive and easily readable model documentation to enable Model Risk Management and stakeholders to review all aspects of model development, including justification of model methodologies chosen, candidate models, model performance. Conduct business in compliance with regulatory guidance including SR (Supervision and Regulation Letters) 10-1, SR 10-6, SR 11-7, Enhanced Prudential Standards, etc. Adhere to applicable compliance/operational/model risk controls and other standards, policies and procedures. Complete other related duties as assigned. Scope of Responsibilities: The position is focused on data science, data wrangling, model development and associated analyses. This includes supporting production models with performance monitoring and analyses to address stakeholder queries. As a team lead, there is an emphasis on leading projects and supervising less experienced analysts/developers on a project-by-project basis. Communication is also emphasized due to the collaborative nature of the work, including engaging multiple stakeholders from across many departments to understand their requirements, the relevant business background, and to obtain buy-in for key decision points throughout the development process and the final model. Education and Experience Required: Proven experience managing and analyzing large data sets and explaining results of analysis through concise written and verbal communication as well as charts/graphs Bachelor's degree and a minimum of 4 years' proven quantitative behavioral modeling experience, or in lieu of a degree, a combined minimum of 8 years' higher education and/or work experience, including a minimum of 4 years' proven quantitative behavioral modeling experience Minimum of 4 years' on-the-job experience with pertinent statistical software packages; experience in SAS required. Minimum of 4 years' on-the-job experience with data management environment, such as SQL Server Management Studio Proven experience managing and analyzing large data sets and explaining results of analysis through concise written and verbal communication as well as charts/graphs. Model development experience. Financial services/banking industry experience required. Education and Experience Preferred: Masters' of Science or Doctorate degree in statistics, computer science, engineering, economics, finance or related fields. Expertise in Python, SAS and SQL; experience rewriting SAS into Python is ideal. Model development experience in financial services, notably for common methodologies such as logistic regression, time series, survival analysis, boosted trees and similar machine learning methods. Experience with the development of underwriting scorecards and/or CCAR/CECL models is greatly valued. Logistical regression is highly preferred. PD & LGD models experience Knowledge and familiarity with key aspects of model risk management and model validation, including SR-11-7 guidance on model risk management Proven track record for being able to work autonomously and within a team environment Strong desire to learn and contribute to a group Previous experience leading and directing the work of less experienced personnel M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,000.00 - $171,600.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of America

Contact Center Sales Representative (Safe-Act)📍 Location: Williamsville, NY🕒 Start Date: February 2026📅 Schedule: Full-time | Must have open availability Monday- Friday from 8am to 8pm and Saturdays from 9am to 3pm. 🏢 Work Arrangement: First 6 months: 100% on-site After 6 months: Hybrid (2 days in-office / 3 days remote, based on successful performance) Location: Must report Hours: Full-time. Must have open availability M-F 8am to 8pm/Sat 9am to 3pm Overview: Serves as voice of the Bank by providing an outstanding experience for inbound and outbound customer interactions. Responds to incoming requests for information on Bank products and/or services and provides solutions for common customer requests across business lines. Offers basic sales solutions for customer needs on inbound and/or outbound calls and refers complex customer needs to the appropriate specialist. Primary Responsibilities: Identify and/or address customer needs by using appropriate needs identification methods, providing information or completing an appropriate application and/or service solution during the call. Identify opportunities to suggest and fulfill Bank products or services to suit the needs of customers while contributing to customer retention and expanding their overall relationship with the Bank. Research customer complaints or problems related to their accounts or Bank services and resolve them in a timely and accurate manner; escalate complex problems as appropriate to ensure their resolution. Take ownership of the customer's needs until resolution or escalation and follow-up with the customer once servicing is complete to ensure their expectations have been met. Conduct scheduled appointments with current and potential clients, across all hours of business, leveraging phone and/or video capabilities to best meet client needs. Complete inbound and outbound call activities in multiple queues as required. Set-up prospect and customer appointments based on inbound referrals or through outbound sales contacts. 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. Responsible for meeting and maintaining registration requirements under the Federal SAFE Act. Complete other related duties, including related special assignments and projects as assigned. Scope of Responsibilities: The jobholder interacts with external customers and internal teams. Managerial/Supervisory Responsibilities: Not Applicable Education and Experience Required: High school diploma or equivalent (GED) and a minimum of 6 months' proven sales, customer service, and/or other related work experience Good communication skills Strong telephone skills Good organizational skills Good time management skills Basic familiarity with personal computers Proven problem-solving skills Knowledge of the customer service concept and its importance in developing and expanding relationships SAFE Act certified within 30 days of job start Education and Experience Preferred: Minimum of 1 year's sales, customer service and/or other related work experience Familiarity with Contact Center systems Experience functioning in a fast-paced environment M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $18.68 - $31.14 (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationWilliamsville, New York, United States of America

**Who We Are: Enterprise Platforms** The Enterprise Platforms team builds, matures, and operates capabilities that drive scale and resilience, growth and performance, and value for customers and employees. They are on a mission to build enduring enterprise capabilities that drive scale, business growth, and value for our employees and customers. The shared capabilities that make up the Enterprise Platforms team enable businesses across our organization to respond faster and more consistently to a complex and rapidly changing world, showing up better for our customers in the market and enabling our teams to work better together and more consistently across business lines and hierarchies. **Enterprise Platforms Key Capabilities** + Office of the Customer and Transformation + Growth Marketing + Brand & Sponsorships + Voice of the Customer and Employee + Transformation Enablement + Transformation Delivery + Enterprise Analytics + Digital Banking and Innovation + Digital Assets + Communications **Our Team & Structure: First Line Risk - Enterprise Platforms** + **Risk Operations:** Focuses on executing tactical, planned risk activities including RCSA and ongoing control review. + **Program & Governance** : Responsible for the development and implementation of first line programs and policies, training and communications, compliance, and exam management. + **Strategic Risk** : Serves as the point of contact and liaison to the EP Business Leaders. The Business Risk Leads are embedded in the business routines to provide oversight, advice, challenge, and support of teams in their day-to-day work. + **Enterprise Platforms Operations** : Supports the division and leadership team by managing daily business processes, supporting communications and employee engagement routines and contributing to strategic and operational planning to ensure alignment with enterprise priorities. **Position Overview** We're seeking a strategic and hands-on Program & Governance Manager to join our Enterprise Platforms First Line Risk team. This role is central to building and managing the risk governance framework that supports our business units in identifying, assessing, and mitigating operational risks. You'll lead efforts to develop policies, implement monitoring programs, and manage issue remediation - all while helping shape a growing team and a newly evolving risk function. **What You'll Do** + **Lead Program Development & Governance** : Build and maintain first line risk programs, policies, and procedures. Partner with business units to ensure risks are identified, documented in Archer, and mitigated through effective controls. + **Drive Monitoring & Reporting** : Develop and manage Key Risk Indicators (KRIs) and KPIs. Monitor performance and trigger issue escalation and remediation planning when thresholds are breached. + **Issue & Exam Management** : Facilitate monthly Issues Management Working Group meetings. Support remediation plan owners, track progress, escalate blockers, and ensure timely resolution. + **Collaborate Across Lines of Defense** : Serve as a key liaison with Internal Audit, Compliance, Operational Risk, and Legal. Ensure alignment and transparency across first, second, and third lines of defense. + **Support Strategic Initiatives** : Partner with teams like Privacy to build and launch new risk programs. Lead documentation efforts and ensure stability before transitioning ownership. + **Policy & Regulatory Oversight** : Manage updates to policies in response to regulatory changes. Provide training and communications to ensure adoption and compliance. + **Leadership & Influence** : Represent the team in executive-level discussions. Present risk stories and program updates with clarity and confidence. **Supervisory/Managerial Responsibilities** This is a program leadership role with no direct reports, but it requires strong influence and coordination across teams. You'll lead initiatives, manage cross-functional working groups, and collaborate with stakeholders at all levels to drive risk governance and program success. **Education and Experience Required** + Bachelor's degree, or equivalent work experience. + 7+ years' relevant work experience. **Education and Experience Preferred** + MBA or advanced degree in a related field. + Proven experience in risk management, governance, or compliance within financial services or other regulated industries. + Strong understanding of first line risk frameworks, issue management processes, and operational risk/compliance principles. + Experience with Archer or similar GRC platforms. + Familiarity with Agile tools, frameworks, and delivery cycles. + Excellent communication and presentation skills, with the ability to influence and engage stakeholders at all levels. + Strong collaboration skills and ability to work effectively across cross-functional teams. + Comfortable working with all levels of management, including executive leadership. + Self-motivated, highly organized, and adaptable in a dynamic, evolving environment. + Continuous improvement mindset with the ability to respond to change, iterate quickly, and embrace feedback. **Work Model & Office Locations** This is a hybrid role requiring in-office presence three days per week at one of M&T Bank's four primary corporate hubs. Eligible candidates must reside within a reasonable commuting distance to one of the following locations: + 345 Main Street, **Buffalo, NY** + 1 Light Street, **Baltimore, MD** + 850 Main Street, **Bridgeport, CT** + 1100 North Market Street, **Wilmington, DE** **Anticipated Travel Requirements** + Employees in this position should be prepared to travel at least once per quarter. + Travel may occur more often than this and is based upon the needs of the business and projects assigned. + Employees residing outside of the Buffalo market are anticipated to travel more often than those already located here. **Why Join Us?** This is a unique opportunity to be part of a team that's still being built - where your voice matters and your impact is visible. You'll work closely with leadership, shape foundational programs, and help drive a culture of proactive risk management across the enterprise. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $107,500.00 - $179,100.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Join a newly formed, high-impact team focused on driving strategic insights and operational excellence across M&T Bank's retail banking network. This role sits at the intersection of data, strategy, and customer experience - supporting front-line teams with actionable insights, improving reporting and processes, and ensuring regulatory compliance. You'll be a key player in shaping how we understand our product portfolio, customer profitability, and banker performance across markets. What You'll Do: Lead Strategic Reporting & Insights: Own the development and evolution of executive-level dashboards and reporting tools that provide visibility into sales performance, product accuracy, and customer outcomes. Drive Data-Backed Decision Making: Analyze large datasets to uncover customer and business insights, identify trends, and support strategic initiatives across pricing, forecasting, and competitive positioning. Enhance Processes & Automation: Streamline existing reporting processes, implement automation solutions, and continuously improve operational workflows to increase efficiency and reduce error rates. Support Front-Line Success: Partner with regional and market managers to deliver insights that help bankers understand their goals, performance, and coaching opportunities - ensuring alignment with regulatory standards and customer service excellence. Lead Cross-Functional Projects: Collaborate with business partners, technology teams, and vendors to implement new systems, resolve issues, and support audits and compliance testing. Be a Strategic Partner: Go beyond order-taking - engage stakeholders to understand the “why” behind requests, challenge assumptions, and deliver solutions that drive real business value. Supervisory/Managerial Responsibilities: Serves as a mentor and trusted advisor to junior team members. May provide leadership and direction to support skill development, performance growth, and team collaboration. Education and Experience Required: Bachelor's degree or equivalent work experience 4+ years of experience in business analytics, reporting, or strategic operations Education and Experience Preferred: Proficiency in SQL and understanding of relational databases Strong business acumen and ability to translate data into actionable insights Experience with Tableau or Power BI Experience with Alteryx Proven ability to create executive-level dashboards and tell compelling stories with data Background in customer insights, product performance, and process improvement Experience working with stakeholders across departments and resolving conflicting viewpoints Relationship-building and stakeholder management Strategic problem-solving and curiosity-driven mindset Strong communication and collaboration skills Ability to navigate ambiguity and drive clarity Working Model & Office Location: This is a hybrid position requiring three days in-office per week (Tuesdays, Wednesdays, and Thursdays). Eligible candidates must live within commuting distance to one of our two offices below: 345 Main Street, Buffalo, NY 14203 850 Main Street, Bridgeport, CT 06604 Why Join Us? This is a unique opportunity to be part of a growing team that's shaping the future of retail banking at M&T. You'll work on meaningful projects, collaborate with passionate professionals, and have the autonomy to make a real impact. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $74,600.00 - $124,400.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of America

Reconciliation of assigned GL accounts and DDAs timely and accurately. Identify out of balance conditions and unusual or aged items in assigned accounts. Research of complex issues. Lead projects. Primary Responsibilities: * Timely and accurate reconciliation / reporting of assigned portfolio activity to Finance / Audit / SOX to ensure accurate Financial Statements in accordance with GAAP. * Gather and research data to prepare routine accounting reports including daily, weekly and/or monthly departmental reporting assignments. * Perform problem resolution around more complex issues and assist in formulating solutions. * Perform research to resolve aged items and system outages on reconciliations escalate as necessary. * Communicate with internal cross-functional areas, business partners and investors to assist in resolution of routine inquiries/issues. * Provide input regarding updates to procedures due to changes in process or accounting requirements. * Participate in responsibilities associated with new business initiatives under Manager's direction. * Mentors and trains less experienced staff on routine task and questions * Adhere to established policies, procedures and limits focusing on observable breaches in Corporate Risk policies. * Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. * 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. Education and Experience Required: Bachelor's Degree in financial field, OR in lieu of a higher education degree, 4 years of relevant work experience M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, United States of America

* Work Arrangement/Location: This is a hybrid position requiring in-office work three days a week and will be based at M&T Plaza, Buffalo, NY, Long Island, NY or NYC, NY. This position operates in the 2nd line of defense and is embedded in the Credit Risk Department which is part of the Risk Division. Acting primarily as an oversite of the 1st LOD Continuous Monitoring activities. The primary responsibility is to analyze and monitor the credit quality and loan exposure for assigned commercial loan portfolio with a focus on problem credits. Additionally monitor/oversee the credit quality of higher risk transactions Ensure that appropriate recommendations for risk rating changes including non-accrual and charge-off through the department hierarchy follow established 1st line processes. Escalate credit problems and make appropriate recommendations for action to management. Primary Responsibilities: * Independently review and evaluate accuracy of individual risk ratings on assigned problem loan portfolios from a 2nd line perspective * Communicate regularly with business line management and/or relationship managers, Portfolio Managers, Co's, SCO's, Special Assets, etc. regarding high risk and/or problem loans in their portfolio with emphasis on delinquencies, overdrafts, identification of criticized loans, potential non-accruals, loss exposure and/or charge-offs. * Assist in developing near term forecasts for movements into and out of non-accrual status and potential charge-offs and recoveries. * Participate in and/or observe the quarterly problem loan meetings and confirm processes are completed completely and accurately. * Collaborate with Credit Accounting team to confirm impairment reserves for the problem portfolios. * Assist with and or act as a lead in special projects as assigned and perform additional duties and responsibilities as required. * 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. * Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. * 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. Scope of Responsibilities: Strong interpersonal skills necessary for business partner relationships within and outside the organization. Provides appropriate documentation and support when assessing the commercial problem loan portfolio. Escalate credit problems and make recommendations for action to management to ensure timely recognition of the appropriate risk ratings with proper accrual designation, reserve and/or charge-off as warranted. Supervisory/Managerial Responsibilities: Possesses expert credit knowledge and will actively coach/mentor junior staff. Provide direct assistance/support to the Department Manager and/or Team Leaders which could include assuming Team Leader responsibilities on occasion. Act as backup to the Team's Manager. Work with CRM Program Director in Developing and delivering 2LOD training as well as ongoing credit related training. May have some supervisory responsibilities. Education and Experience Required: Minimum seven (7) years previous experience in commercial credit, lending, finance, accounting and/or audit. Bachelor's degree in a business-related curriculum, or in lieu of degree, 8years' experience required. Education and Experience Preferred: Microsoft software including Outlook, Excel, Word, PowerPoint, Access, etc. Communicate effectively both in writing and verbally. Ability to multi-task and prioritize to complete work within established timeframes. Ability to analyze and understand financial data, collateral documentation, and other credit issues. Ability to work independently with minimal oversight from management. Strong understanding of credit policies and guidelines. MBA preferred. Physical Requirements: Not applicable M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $107,500.00 - $179,100.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, United States of America

**** Work Arrangement/Location: This is a hybrid position requiring in-office work three (3) days every week and it will be based in an M&T Office in either Buffalo, NY, Iseline, NJ, NYC, NY, or Bridgeport, CT.** **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. Provides guidance and direction to less experienced personnel as needed.** **Primary Responsibilities:** + With experienced skillset, assist in researching and developing quantitative behavioral models used for credit risk, interest rate risk and liquidity risk management, as well as balance sheet and capital planning, including but not limited to, loan delinquency, default and loss models, loan prepayment and utilization models, deposit attrition models and financial instrument valuation methods. + 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. Understand the context of the Bank's data and businesses to ensure properly developed models. + 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. Identify risk and/or opportunities. + Develop and maintain satisfactory model documentation, including process narratives and performance monitoring guidelines to serve as reference source. + Provide financial analysis and data support to other groups/departments across the Bank as required. 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. + Conduct business in compliance with regulatory guidance including SR (Supervision and Regulation Letters) 10-1, SR 10-6, SR 11-7, Enhanced Prudential Standards, etc. Adhere to applicable compliance/operational/model risk controls and other second line of defense and regulatory standards, policies and procedures. + 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. **Scope of Responsibilities:** The position serves as an experienced analyst in the use of statistical programming languages to analyze Bank datasets and development, implementation and maintenance of behavioral models. It is important for the position to communicate with clear narratives, compelling data visualization and technical precision, both in-person and in writing, to enable audiences to understand the analyses and forecasts. The position partners and collaborates with colleagues in related functions, including Credit Risk Management, Asset Liability and Liquidity Management, Model Risk Management and business lines to implement and understand models for Bank use. This role is highly technical in nature and requires demonstrated attention to detail, execution and follow-up on multiple initiatives with Treasury and across the Bank. The ability to identify, analyze, rationalize and communicate complex business, data and statistical problems and recommend corresponding solutions is a key factor of success in this role. **Supervisory/Managerial Responsibilities:** Not Applicable **Education and Experience Required:** + Bachelor's degree and a minimum of 1 years' proven quantitative behavioral modeling experience, or in lieu of a degree, a combined minimum of 5 years' higher education and/or work experience, including a minimum of 1 years' proven quantitative behavior modeling experience + Minimum of 1 years' on-the-job experience with pertinent statistical software packages (SAS, Python, Stata, R), especially SAS & Python. + Credit Risk Modeling experience + Logistic regression in credit risk modeling experience + Time Series Analysis & Monte Carlo simulation experience. + Minimum of 1 years' on-the-job experience with data management environment, such as SQL Server Management Studio + Minimum of 1 years' experience in managing and analyzing large data sets and explaining results of analysis through concise written and verbal communication as well as charts/graphs **Education and Experience Preferred:** + Masters' of Science or Doctorate degree in Statistics, Economics, Finance or related field in the quantitative social, physical, or engineering sciences, with proven coursework proficiency in statistics, econometrics, economics, computer science, finance or risk management + Minimum of 2 years' statistical analysis programming experience + Financial Risk Manager (FRM) or Chartered Financial Analyst (CFA) designation + Fluency and high proficiency in econometric/statistical techniques, especially time-series analysis, panel data methods and logistic regression + Experience in balance sheet management and mathematical modeling of financial instruments offered by banks + Knowledge and familiarity with key aspects of model risk management and model validation, including SR-11-7 guidance on model risk management + Proven track record for being able to work autonomously and within a team environment + Demonstrated leadership skills + Strong desire to learn and contribute to a group **Physical Requirements:** M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $71,600.00 - $119,300.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

** Work Arrangement/Location: This is a hybrid position requiring in-office work three days every week. Ideally the position will be based in Buffalo, NY but may be in an M&T office in Buffalo, NY, Baltimore, MD, NYC, NY, Iselin, NJ, Wilmington, DE, or Washington, DC. There is potential for a remote work arrangement, within the United States, if the final candidate is not near one of the above locations. Overview: The credit model development team is looking for a senior model developer that will manage a team of quantitative analysts and modelers to develop, implement, maintain, analyze and manage quantitative/econometric behavioral models used for credit risk, capital planning and/or underwriting. Assists with directing daily and long-range strategic direction of the group to support business initiatives and regulatory compliance. This is a great opportunity to be part of a highly dedicated quantitative team of model developers. Primary Responsibilities: Lead teams in research and end-to-end development of quantitative models used for credit risk, including but not limited to, loss forecasting (loan delinquency, default and loss, loan prepayment, utilization, etc), capital planning (CCAR) CECL and/or underwriting Utilize next gen quantitative approaches (AI/ML), programming routines and other econometric analyses to facilitate the model development effective challenge process communicate results, including graphic and tabular forms, to fellow team members, stakeholders, including the business lines and Risk Management colleagues to demonstrate key risk drivers and dynamics of model output. 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. 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. Serve as subject matter expert for on all facets of quantitative risk management and guide junior analysts and data scientists during the model development process. 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. 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. Scope of Responsibilities: This role is highly technical in nature and requires strong attention to detail, execution and follow-up on multiple initiatives within Finance. The ability to identify, analyze, rationalize and communicate complex business problems and recommend solutions is a key factor of success in this role. Success in this role requires the ability to use analytics in a collaborative effort across multiple functions and products to derive optimum solutions to business problems. This position interacts with most business and functional areas of the Bank, as well as with vendors, risk management consultants and supervisory bodies. The position also has occasional informational/educational meetings with internal and external customers. The position supervises the work and leads/manages teams of individual contributors, providing objective-setting, developmental opportunities and performance feedback as appropriate. Education and Experience Required: Bachelor's degree in statistics, economics, finance or related field in the quantitative social, natural, physical or engineering sciences, with proven coursework proficiency in statistics, econometrics, economics, computer science, finance or risk management and a minimum of 6 years' proven quantitative behavioral modeling experience (inclusive of a minimum of 2 years' supervisory, management and/or work leadership experience), or in lieu of a degree, a combined minimum of 10 years' higher education and/or work experience, including a minimum of 6 years' proven quantitative behavioral modeling experience (inclusive of a minimum of 2 years' supervisory, management and/or work leadership experience) Proven experience managing and analyzing large data sets and explaining results of analysis through concise written and verbal communication as well as charts/graphs Strong leadership skills; manager of people & project management Education and Experience Preferred: Knowledge and familiarity with key aspects of model development for behavioral/quantitative models, including time series, scorecard, logistic regression, financial valuation or panel data models for credit risk, interest rate risk or liquidity risk management Knowledge and familiarity with key aspects of model risk management and model validation, including SR-11-7 guidance on model risk management Proven track record for being able to work autonomously and within a team environment Strong desire to learn and contribute to a group Experience with pertinent statistical software packages (e.g. SAS, Python, Stata, R) Experience with data management environment, such as SQL Server Management Studio CCAR and/or CECL experience #LI-RS1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $123,600.00 - $206,000.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of America

* Work Arrangement/Location: This is a hybrid position requiring in-office work three days every week and will be based at M&T Center, Buffalo, NY, Bridgeport, CT, NYC, NY, Rochester, NY, Boston, MA, NJ, Wilmington, DE, or Baltimore, MD. Perform advanced data and statistical analysis in support of monitoring, evaluating, and interpreting the Bank's Commercial Loan portfolio, including preparation of trend analysis and various risk identification reports. Develop tools, potentially statistical and/or model-based, to monitor movements in the portfolio, identify emerging risks and make recommendations to management. Leverage risk experience, debt capital markets knowledge and understanding of links between bank performance and macroeconomic environment to plan initiatives to accomplish enterprise-wide goals around the Commercial Portfolio. Primary Responsibilities: * Assist in establishing, monitoring, evaluating, and interpreting data with a risk management focus and an understanding of business strategy. * Demonstrate working knowledge of Credit Risk databases to provide data and analytical support to Senior Management. * Perform data manipulation and analysis of financial, demographic, behavioral, market and economic data as appropriate using Microsoft Office Products (Excel, Power BI) and/or Tableau and present results and recommendations to Credit Risk Management. * Monitor performance of loan portfolio credit quality; communicate issues to management; quantify business ramifications; investigate incidents that may result in losses and compile findings for management review. * Demonstrate working knowledge of credit risk metrics including Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD). * Track portfolio performance and risk strategy results. Incorporate observations and data in existing models to improve predictive results. * Identify deviations from forecast/expectations and explain variances in complex situations. Identify risk and/or opportunities. * Develop and enhance financial analysis and data support tools that will be used both in and outside the Credit Division. * Leverage market intelligence, including macroeconomic data, capital and equity market trends and other industry information to supplement portfolio analysis and to identify market trends that could be detrimental to the portfolio. * Assist with special projects as requested by management. * Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. * 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. Scope of Responsibilities: This role is highly technical in nature and requires demonstrated attention to detail, execution, and follow up on multiple initiatives within the Credit Division. The ability to identify, analyze, rationalize, and communicate business problems and recommend solutions (especially via written reports), and to work independently are key factors of success in this role. Education and Experience Required: Bachelor's degree in Finance, Economics, Mathematics, Statistics, Quantitative Analysis, or another technical discipline with minimum of 2 years relevant experience or in lieu of degree, a combined minimum of 6 years higher education and/or work experience to include a minimum of 2 years relevant experience. * OR- Master's degree in Finance, Economics, Mathematics, Statistics, Quantitative Analysis, or another technical discipline. Education and Experience Preferred: Banking or Financial Services experience; Previous Financial Analysis experience preferred. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $62,200.00 - $103,600.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, United States of America

Join our Enterprise Platforms Risk team as a key player in managing risk and strengthening controls across all digital channels - web, mobile app, and beyond. In this role, you'll serve as a trusted business partner, helping identify, assess, and mitigate risks while enabling innovation and customer experience. As a collaborative problem solver, you'll lead risk initiatives, influence senior stakeholders, and ensure compliance with enterprise standards. What You'll Do: Lead Risk Initiatives: Implement first-line-of-defense risk management programs within Digital Banking, aligned with the Enterprise Risk Framework. Assess & Document Processes: Map key business processes, identify risks, and evaluate internal controls. Control Testing & Reporting: Conduct and review risk-based testing, analyze results, and communicate findings to leadership. Remediation & Issue Management: Partner with business leaders to develop and oversee remediation plans for audit or compliance findings. Monitor & Improve: Track key risk indicators (KRIs), complete Risk Control Self-Assessments (RCSAs), and recommend enhancements. Emerging Risk Analysis: Identify risks tied to new products, services, or channels and design controls to mitigate them. Policy & Procedure Oversight: Ensure adherence to risk policies and update procedures as processes evolve. Influence & Collaborate: Work closely with senior leaders (including SVPs) to drive risk awareness and solutions without direct authority. Coaching & Guidance: Provide informal coaching and input on team development related to risk initiatives. Education and Experience Required: Bachelor's degree, or equivalent work experience 5+ years' relevant work experience Education and Experience Preferred: 2+ years in risk identification, mitigation, RCSA, controls, remediation plans, and issue management Banking experience is a plus but not required Strong understanding of risk management principles Ability to influence and build relationships across all levels of the organization Excellent problem-solving and communication skills Collaborative, solution-oriented approach Working Model/Office Location: This is a hybrid position requiring three days in-office per week. Eligible candidates must live within commuting distance to one of our five offices below. 345 Main Street, Buffalo, NY 14203 1 Light Street, Baltimore, MD 21202 1100 North Market Street, Wilmington, DE 19801 850 Main Street, Bridgeport, CT 06604 277 Park Avenue, New York, NY 10172 Anticipated Travel Requirements: Employees in this position should be prepared to travel at least once per quarter within the M&T Bank east coast footprint. Travel may occur more often than this and is based upon the needs of the business and work assigned. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $89,600.00 - $149,300.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of America

Supports off-shore program initiatives related to procurement activities with keen focus on governance, risk management, performance reporting and issue monitoring. Manages planning, development and implementation of various projects and initiatives related to this. May be responsible for complex, critical and highly visible projects at the Division level. Primary Responsibilities: * Lead calls, own projects and deliver results for off-shore initiatives with Bank process owners, subject matter experts (SMEs) and off-shore vendors from concept through approval, transition and performance reporting . * Coordinate new reviews and onsite assessments with vendors and the business for potential off-shore opportunities. * Coordinate due diligence reviews with business, Compliance, privacy, Risk, and Audit. Assist with drafting contract items, including MSA schedules. * Maintain project lists across vendors and prepare monthly program dashboards and vendor summaries, and quarterly program accomplishments. * Follow program performance across vendors and track against SLAs (Service Level Agreements). Coordinate action plans or business continuity plans. * 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. Scope of Responsibilities: The position requires substantial interaction with internal contacts at middle and senior management levels, as well as external contacts to obtain pertinent information. The position serves as liaison between department and other Bank personnel on various projects and is responsible for overall coordination and management of projects at a division and department level to include day-to-day supervision of project participants. The position prepares data and presents as required to senior level managers. The position works independently and provides coverage for management as required by absence. Education and Experience Required: Bachelor's degree and minimum of 3 years' related experience, or in lieu of a degree, a combined minimum of 7 years' higher education and/or work experience, including a minimum of 3 years' related experience Knowledge of pertinent spreadsheet, word processing and presentation software Excellent verbal and written communication skills Strong analytical skills Creative problem-solving skills Experience interacting effectively with all levels of personnel Excellent project management skills Education and Experience Preferred: Advanced degree Minimum of 5 years' related experience Proficient in the use of pertinent spreadsheet, database, graphing, presentation, and department-specific software Working knowledge of financial models M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $74,600.00 - $124,400.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location Amherst, New York, United States of America

Corporate Development works closely with M&T's business units and senior management to ensure a coordinated and consistent approach to the merger and acquisition (M&A) process. This role primarily focuses on financial analysis in support of potential internal and external capital investment opportunities through valuation, risk assessment, and deal structuring; as well as, peer analysis regarding performance, merger-related activities, and capital actions, to assist senior management in implementing the bank's strategy. In addition, the person in this role may be asked to conduct highly technical research and analysis of projects to provide senior management with definitive financial data and advice for their use in setting and realizing strategic objectives. Primary Responsibilities: * Assisting with the evaluation of potential M&A opportunities, including financial analysis, valuation, structuring, and coordination of due diligence efforts, which involve extensive interaction with various groups throughout the bank. * Conducting financial and valuation analysis regarding acquisition, investment and divestiture opportunities using discounted cash flow analysis, market multiples, and other financial and analytical tools. * 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 diversity 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. Scope of Responsibilities: Supervisory/ Managerial Responsibilities: May train junior staff Education and Experience Required: Bachelor's degree and a minimum of 2 years of experience OR Associate's degree and a minimum of 4 years of experience in accounting, auditing, operations or financial institutions Good knowledge of finance and accounting concepts + basic knowledge of banking industry High level of PC competencies (Excel, PowerPoint, Word, Access. Data visualization or data querying applications are a plus.) Education and Experience Preferred: Bachelor's degree in Finance or Accounting or related field M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $62,200.00 - $103,600.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, United States of America

*** Work Arrangement/Location: This is a hybrid position requiring in-office work three days every week. Ideally the position will be based in Buffalo, NY but may be in an M&T office in Buffalo, NY, Baltimore, MD, Wilmington, DE, or Washington, DC.** **_There is potential for a remote work arrangement if the final candidate is not near one of the above locations._** **Overview:** The credit model development team is looking for a senior model developer that can serve as a lead to independently develop and maintain quantitative models used for credit risk, capital planning or underwriting. The lead may supervise the work of model development analysts and provide direction to less experienced personnel on a project-by-project basis. This is a great opportunity to be part of a highly dedicated quantitative team of model developers. **Primary Responsibilities:** + Develop and/or lead the development of quantitative models used for credit risk, capital planning or underwriting. This includes CCAR and CECL models and underwriting scorecards. + Lead less experienced model developers and analysts as required to meet project objectives. + Use Python, SAS and SQL to manipulate customer loan or financial data for statistical analysis and model development. + Employ common model methodologies such as logistic regression, time series, survival analysis, boosted trees and similar machine learning methods to create robust and flexible solutions to complex business problems. + Work with multiple model stakeholders across different areas of the bank to create solutions that meet their business needs. Use a full array of communication skills and visual analytics to obtain business partner requirements, present analyses, explain complex models to non-technical partners, and respond to enquiries from stakeholders. + Write comprehensive and easily readable model documentation to enable Model Risk Management and stakeholders to review all aspects of model development, including justification of model methodologies chosen, candidate models, model performance. + Conduct business in compliance with regulatory guidance including SR (Supervision and Regulation Letters) 10-1, SR 10-6, SR 11-7, Enhanced Prudential Standards, etc. Adhere to applicable compliance/operational/model risk controls and other standards, policies and procedures. + Complete other related duties as assigned. **Scope of Responsibilities:** The position is focused on data science, data wrangling, model development and associated analyses. This includes supporting production models with performance monitoring and analyses to address stakeholder queries. As a team lead, there is an emphasis on leading projects and supervising less experienced analysts/developers on a project-by-project basis. Communication is also emphasized due to the collaborative nature of the work, including engaging multiple stakeholders from across many departments to understand their requirements, the relevant business background, and to obtain buy-in for key decision points throughout the development process and the final model. **Education and Experience Required:** + Proven experience managing and analyzing large data sets and explaining results of analysis through concise written and verbal communication as well as charts/graphs + Bachelor's degree and a minimum of 4 years' proven quantitative behavioral modeling experience, or in lieu of a degree, a combined minimum of 8 years' higher education and/or work experience, including a minimum of 4 years' proven quantitative behavioral modeling experience + Minimum of 4 years' on-the-job experience with pertinent statistical software packages; experience in SAS required. + Minimum of 4 years' on-the-job experience with data management environment, such as SQL Server Management Studio + Proven experience managing and analyzing large data sets and explaining results of analysis through concise written and verbal communication as well as charts/graphs. + Model development experience. + Financial services/banking industry experience required. **Education and Experience Preferred:** + Masters' of Science or Doctorate degree in statistics, computer science, engineering, economics, finance or related fields. + Expertise in Python, SAS and SQL; experience rewriting SAS into Python is ideal. + Model development experience in financial services, notably for common methodologies such as logistic regression, time series, survival analysis, boosted trees and similar machine learning methods. + Experience with the development of underwriting scorecards and/or CCAR/CECL models is greatly valued. + Logistical regression is highly preferred. + PD & LGD models experience + Knowledge and familiarity with key aspects of model risk management and model validation, including SR-11-7 guidance on model risk management + Proven track record for being able to work autonomously and within a team environment + Strong desire to learn and contribute to a group + Previous experience leading and directing the work of less experienced personnel M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,000.00 - $171,600.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

**Contact Center Sales Representative (Safe-Act)** **** **Schedule:** **Full-time | Must have open availability Monday- Friday from 8am to 8pm and Saturdays from 9am to 3pm.** **Work Arrangement:** + **First 6 months:** 100% on-site + **After 6 months:** Hybrid ( **2 days in-office** / 3 days remote, based on successful performance) **Location: Must report** **Hours: Full-time. Must have open availability M-F 8am to 8pm/Sat 9am to 3pm** **Overview:** Serves as voice of the Bank by providing an outstanding experience for inbound and outbound customer interactions. Responds to incoming requests for information on Bank products and/or services and provides solutions for common customer requests across business lines. Offers basic sales solutions for customer needs on inbound and/or outbound calls and refers complex customer needs to the appropriate specialist. **Primary Responsibilities:** + Identify and/or address customer needs by using appropriate needs identification methods, providing information or completing an appropriate application and/or service solution during the call. + Identify opportunities to suggest and fulfill Bank products or services to suit the needs of customers while contributing to customer retention and expanding their overall relationship with the Bank. + Research customer complaints or problems related to their accounts or Bank services and resolve them in a timely and accurate manner; escalate complex problems as appropriate to ensure their resolution. + Take ownership of the customer's needs until resolution or escalation and follow-up with the customer once servicing is complete to ensure their expectations have been met. + Conduct scheduled appointments with current and potential clients, across all hours of business, leveraging phone and/or video capabilities to best meet client needs. + Complete inbound and outbound call activities in multiple queues as required. + Set-up prospect and customer appointments based on inbound referrals or through outbound sales contacts. + 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. Responsible for meeting and maintaining registration requirements under the Federal SAFE Act. + Complete other related duties, including related special assignments and projects as assigned. **Scope of Responsibilities:** The jobholder interacts with external customers and internal teams. **Managerial/Supervisory Responsibilities:** Not Applicable **Education and Experience Required:** + High school diploma or equivalent (GED) and a minimum of 6 months' proven sales, customer service, and/or other related work experience + Good communication skills + Strong telephone skills + Good organizational skills + Good time management skills + Basic familiarity with personal computers + Proven problem-solving skills + Knowledge of the customer service concept and its importance in developing and expanding relationships + SAFE Act certified within 30 days of job start **Education and Experience Preferred:** + Minimum of 1 year's sales, customer service and/or other related work experience + Familiarity with Contact Center systems + Experience functioning in a fast-paced environment M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $18.68 - $31.14 (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Williamsville, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Reconciliation of assigned GL accounts and DDAs timely and accurately. Identify out of balance conditions and unusual or aged items in assigned accounts. Research of complex issues. Lead projects. **Primary Responsibilities:** + Timely and accurate reconciliation / reporting of assigned portfolio activity to Finance / Audit / SOX to ensure accurate Financial Statements in accordance with GAAP. + Gather and research data to prepare routine accounting reports including daily, weekly and/or monthly departmental reporting assignments. + Perform problem resolution around more complex issues and assist in formulating solutions. + Perform research to resolve aged items and system outages on reconciliations escalate as necessary. + Communicate with internal cross-functional areas, business partners and investors to assist in resolution of routine inquiries/issues. + Provide input regarding updates to procedures due to changes in process or accounting requirements. + Participate in responsibilities associated with new business initiatives under Manager's direction. + Mentors and trains less experienced staff on routine task and questions + Adhere to established policies, procedures and limits focusing on observable breaches in Corporate Risk policies. + Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. + 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. **Education and Experience Required:** Bachelor's Degree in financial field, OR in lieu of a higher education degree, 4 years of relevant work experience M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

**** Work Arrangement/Location: This is a hybrid position requiring in-office work three days every week. Ideally the position will be based in Buffalo, NY but may be in an M&T office in Buffalo, NY, Baltimore, MD, NYC, NY, Iselin, NJ, Wilmington, DE, or Washington, DC.** **_There is potential for a remote work arrangement, within the United States, if the final candidate is not near one of the above locations._** **Overview:** The credit model development team is looking for a senior model developer that will manage a team of quantitative analysts and modelers to develop, implement, maintain, analyze and manage quantitative/econometric behavioral models used for credit risk, capital planning and/or underwriting. Assists with directing daily and long-range strategic direction of the group to support business initiatives and regulatory compliance. This is a great opportunity to be part of a highly dedicated quantitative team of model developers. **Primary Responsibilities:** + Lead teams in research and end-to-end development of quantitative models used for credit risk, including but not limited to, loss forecasting (loan delinquency, default and loss, loan prepayment, utilization, etc), capital planning (CCAR) CECL and/or underwriting + Utilize next gen quantitative approaches (AI/ML), programming routines and other econometric analyses to facilitate the model development effective challenge process communicate results, including graphic and tabular forms, to fellow team members, stakeholders, including the business lines and Risk Management colleagues to demonstrate key risk drivers and dynamics of model output. + 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. + 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. + Serve as subject matter expert for on all facets of quantitative risk management and guide junior analysts and data scientists during the model development process. + 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. + 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. **Scope of Responsibilities:** This role is highly technical in nature and requires strong attention to detail, execution and follow-up on multiple initiatives within Finance. The ability to identify, analyze, rationalize and communicate complex business problems and recommend solutions is a key factor of success in this role. Success in this role requires the ability to use analytics in a collaborative effort across multiple functions and products to derive optimum solutions to business problems. This position interacts with most business and functional areas of the Bank, as well as with vendors, risk management consultants and supervisory bodies. The position also has occasional informational/educational meetings with internal and external customers. The position supervises the work and leads/manages teams of individual contributors, providing objective-setting, developmental opportunities and performance feedback as appropriate. **Education and Experience Required:** + Bachelor's degree in statistics, economics, finance or related field in the quantitative social, natural, physical or engineering sciences, with proven coursework proficiency in statistics, econometrics, economics, computer science, finance or risk management and a minimum of 6 years' proven quantitative behavioral modeling experience (inclusive of a minimum of 2 years' supervisory, management and/or work leadership experience), or in lieu of a degree, a combined minimum of 10 years' higher education and/or work experience, including a minimum of 6 years' proven quantitative behavioral modeling experience (inclusive of a minimum of 2 years' supervisory, management and/or work leadership experience) + Proven experience managing and analyzing large data sets and explaining results of analysis through concise written and verbal communication as well as charts/graphs + Strong leadership skills; manager of people & project management **Education and Experience Preferred:** + Knowledge and familiarity with key aspects of model development for behavioral/quantitative models, including time series, scorecard, logistic regression, financial valuation or panel data models for credit risk, interest rate risk or liquidity risk management + Knowledge and familiarity with key aspects of model risk management and model validation, including SR-11-7 guidance on model risk management + Proven track record for being able to work autonomously and within a team environment + Strong desire to learn and contribute to a group + Experience with pertinent statistical software packages (e.g. SAS, Python, Stata, R) + Experience with data management environment, such as SQL Server Management Studio + CCAR and/or CECL experience \#LI-RS1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $123,600.00 - $206,000.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Leads and/or participates in projects within one or more functional areas within Default Servicing (internally known as Customer Asset Management (CAM)) and represents these areas in cross-functional, visible projects involving business partners outside of CAM. Primary Responsibilities: 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, while also representing inclusive needs for all aspects of default servicing. Develop and produce non-routine departmental reports and spreadsheets, including project or product strategy analyses, historical reporting, workflow analyses and financial analyses for one or more functional areas of CAM. Conduct non-routine analysis and judgment-based work over a single or closely related disciplines 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 one or more functional areas of CAM to maintain their currency. 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 assigned CAM team(s). Assist with providing departmental system support, coordinating with internal business partners, external vendors and Technology to address issues for assigned CAM team(s). 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. Supervisory/Managerial Responsibilities: Not Applicable Education and Experience Required: Associate degree and a minimum of 3 years' related experience, or in lieu of a degree, a combined minimum of 5 years' higher education and/or work experience, including a minimum of 3 years' related experience Experience in collections and/or default servicing Proven analytical skills Strong organizational skills Proficiency with personal computers as well as pertinent word processing and spreadsheet software Proven verbal and written communication skills Education and Experience Preferred: Prior experience in functional areas supported M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $26.00 - $43.34 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationGetzville, New York, United States of America

***** Work Arrangement/Location: This is a hybrid position requiring in-office work three days a week and will be based at M&T Plaza, Buffalo, NY, Long Island, NY or NYC, NY.** This position operates in the 2nd line of defense and is embedded in the Credit Quality Assurance group within the Credit Risk Department, which is part of the Risk Division. The position acts as an oversight function of the 1st LOD and 2LOD Continuous Monitoring activities. The primary responsibility is to independently assess the accuracy and adequacy of PD grades and Risk Rating rationales, credit memo quality, and adherence to relevant underwriting guidelines and procedures. and loan exposure for assigned commercial loan portfolio with a focus problem credits. The analyst is also responsible for analysis of criticized credits within CQA's quarterly PLMR reviews. **Primary Responsibilities** **:** + Independently review and evaluate accuracy of individual risk ratings on assigned credit memos from a 2nd line perspective. + Communicate regularly with business line management and/or relationship managers, Portfolio Managers, Co's, SCO's, Special Assets, etc. + Assist with transaction testing Tableau scoping, reporting, and data pulls from nCino as needed. + Assist with and or act as a lead in special projects as assigned and perform additional duties and responsibilities as required. + Assist the Department Manager to develop and execute strategies to provide better insight into portfolio risk. + Prepare written line sheets and escalate material findings to the Department Manager and/or Team Leaders on an ongoing basis. + Assist with targeted Bank Examinations as required. + Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. + 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. **Scope of Responsibilities:** Strong interpersonal skills necessary for business partner relationships within and outside the organization. Provides appropriate documentation and support when assessing Commercial loans. Escalate credit problems and make recommendations for action to management to ensure timely recognition of the appropriate risk ratings with proper accrual designation, reserve and/or charge-off as warranted. **Supervisory/Managerial Responsibilities:** Provide direct assistance/support to the Department Manager which could include assuming Team Leader responsibilities on occasion. Assist in staff training. **Education and Experience Required:** Minimum seven (7) years previous experience in commercial credit, lending, (CRE/C&I/Specialty). Bachelor's degree in a business-related curriculum, or in lieu of degree, 8years' experience required. **Education and Experience Preferred:** Microsoft software including Outlook, Excel, Word, PowerPoint, Access, etc. Data analytics experience and/or licenses Credit skills: ability to analyze and interpret financial statements, as well as evaluate financial analyses for accuracy and completeness Communicate effectively both in writing and verbally. Ability to multi-task and prioritize to complete work within established timeframes. Ability to analyze and understand financial data, collateral documentation and other credit issues. Ability to work independently with minimal oversight from management. Strong understanding of credit policies and guidelines. MBA preferred. **Physical Requirements:** Not applicable M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $89,600.00 - $149,300.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Join our Enterprise Platforms Risk team as a key player in managing risk and strengthening controls across all digital channels - web, mobile app, and beyond. In this role, you'll serve as a trusted business partner, helping identify, assess, and mitigate risks while enabling innovation and customer experience. As a collaborative problem solver, you'll lead risk initiatives, influence senior stakeholders, and ensure compliance with enterprise standards. **What You'll Do:** + **Lead Risk Initiatives:** Implement first-line-of-defense risk management programs within Digital Banking, aligned with the Enterprise Risk Framework. + **Assess & Document Processes:** Map key business processes, identify risks, and evaluate internal controls. + **Control Testing & Reporting:** Conduct and review risk-based testing, analyze results, and communicate findings to leadership. + **Remediation & Issue Management:** Partner with business leaders to develop and oversee remediation plans for audit or compliance findings. + **Monitor & Improve:** Track key risk indicators (KRIs), complete Risk Control Self-Assessments (RCSAs), and recommend enhancements. + **Emerging Risk Analysis:** Identify risks tied to new products, services, or channels and design controls to mitigate them. + **Policy & Procedure Oversight:** Ensure adherence to risk policies and update procedures as processes evolve. + **Influence & Collaborate:** Work closely with senior leaders (including SVPs) to drive risk awareness and solutions without direct authority. + **Coaching & Guidance:** Provide informal coaching and input on team development related to risk initiatives. **Education and Experience Required:** + Bachelor's degree, or equivalent work experience + 5+ years' relevant work experience **Education and Experience Preferred:** + 2+ years in risk identification, mitigation, RCSA, controls, remediation plans, and issue management + Banking experience is a plus but not required + Strong understanding of risk management principles + Ability to influence and build relationships across all levels of the organization + Excellent problem-solving and communication skills + Collaborative, solution-oriented approach **Working Model/Office Location:** This is a hybrid position requiring three days in-office per week. Eligible candidates must live within commuting distance to one of our five offices below. + 345 Main Street, Buffalo, NY 14203 + 1 Light Street, Baltimore, MD 21202 + 1100 North Market Street, Wilmington, DE 19801 + 850 Main Street, Bridgeport, CT 06604 + 277 Park Avenue, New York, NY 10172 **Anticipated Travel Requirements:** Employees in this position should be prepared to travel at least once per quarter within the M&T Bank east coast footprint. Travel may occur more often than this and is based upon the needs of the business and work assigned. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $89,600.00 - $149,300.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.