Senior Risk Analyst - Interest Rate Risk

M&T Bank Corporation; United States; Remote; USD 86,000 - 143,000; Full time

Job summary

M&T Bank Corporation is seeking a Senior Risk Analyst I to join the second line of defense, supporting TRMO or FRRO oversight initiatives in a dynamic banking environment.

The role partners with first-line teams to assess risk controls, interpret regulatory expectations, and deliver independent assessments, with emphasis on data-driven analysis and clear reporting.

Qualifications

• Bachelor’s degree in quantitative/analytical field and 4+ years of relevant experience or equivalent.
• Advanced knowledge of financial principles and regulatory/compliance issues in banking.
• Advanced proficiency with Microsoft Office; strong written and verbal communication.
• Superior attention to detail and process orientation; delivery under tight deadlines.
• Ability to apply critical thinking to risk assessments.

Responsibilities

• Lead second-line reviews of complex topics within TRMO or FRRO.
• Develop independent assessments based on data, policies, and regulatory expectations.
• Draft formal documentation of review conclusions and present findings to management.
• Support thematic reviews and policy interpretation efforts.
• Identify opportunities to enhance oversight methodologies and tools.
• Adhere to compliance and risk controls per regulatory standards and policies.
• Maintain internal control standards and address audit points with regulators as applicable.
• Promote the M&T Bank brand and a culture of belonging.
• Complete other related duties as assigned.

Skills

Financial principles

Regulatory compliance

Microsoft Office

Attention to detail

Analytical thinking

Communication skills

Education

Bachelor's degree in quantitative field

Tools

SAS

VBA

SQL

Job description

Overview

The Senior Risk Analyst I within the second line of defense, contributes to the design and execution of oversight activities support to either the: - Treasury Risk Management Oversight ("TRMO") team, responsible for interest rate, market, or liquidity risk) OR; - Finance & Regulatory Reporting Oversight ("FRRO") team, responsible for oversight activities primarily related to capital management, planning and forecasting, capital interpretations, capital calculations, Resolution Planning and FED and FDIC regulatory reporting. Position partners directly with first-line teams to assess adequacy of risk controls and compliance with regulatory standards.

Primary Responsibilities

• Lead second-line reviews of complex or high-impact topics within TRMO or FRRO.
• Develop independent assessments and recommendations based on data, policies, and regulatory expectations.
• Draft formal documentation of review conclusions and present findings to team leads and management.
• Support thematic reviews and policy interpretation efforts.
• Identify opportunities to enhance oversight methodologies and tools.
• 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.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Complete other related duties as assigned.

Scope

• Supports oversight of either TRMO subjects (market risk, interest rate risk, liquidity risk) or FRRO subjects (capital planning, capital calculations, resolution planning, regulatory reporting).
• Serves as subject matter contributor in key oversight areas.
• May lead cross-functional initiatives or serve as point of contact for risk domain topics.

Supervisory Managerial

• May guide the work of junior analysts on specific projects.

Education and Experience Required

Bachelor’s degree in quantitative or analytical field such as Finance, Accounting, or Economics and a minimum of four years of relevant professional experience OR an equivalent combination of education and at least eight years of relevant professional experience. Advanced knowledge of financial principles and regulatory and compliance issues related to the banking industry. Advanced proficiency with Microsoft Office suite of products. Strong written and verbal communication skills. Superior attention to detail and process orientation. Results-oriented/delivery focused; ability to deliver high-quality results under tight deadlines. Ability to apply critical thinking skills.

Education and Experience Preferred

• Experience in financial reporting, audit, or similar field preferred.
• Experience with advanced analytical tools such as SAS, VBA, SQL, etc.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $85,800.00 - $143,000.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location.

Location

Clanton, Alabama, United States of America

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve.

M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities- combining the capabilities of a large bank with the care of a locally focused institution.

As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members.

View M&T’s Human Capital Report to learn more.

M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws.

M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.