Senior Risk Analyst - Interest Rate Risk

M&T Bank; United States; On-site; USD 86,000 - 143,000; Full time

Job summary

M&T Bank in Clanton, Alabama, is seeking a Senior Risk Analyst I to support second‑line oversight in TRMO or FRRO, partnering with first‑line teams to assess risk controls and regulatory compliance.

The role leads second‑line reviews on complex topics, drafts formal conclusions, and supports policy interpretation and oversight improvements. Requires strong analytical skills, advanced financial knowledge, and excellent communication.

Qualifications

• Bachelor’s degree in quantitative or analytical field and relevant experience.
• Advanced knowledge of financial principles and regulatory issues in banking.
• Advanced proficiency with Microsoft Office suite.
• Strong written and verbal communication skills.
• Superior attention to detail and process orientation.
• Results-oriented with ability to deliver under deadlines.
• Ability to apply critical thinking skills.

Responsibilities

• Lead second-line reviews of complex or high-impact topics within TRMO or FRRO.
• Develop independent assessments and recommendations based on data 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 standards and policies.
• Maintain internal controls and address audit points with regulators.

Skills

Strong written and verbalCommunication

Critical thinking skills

Analytical mindset

Regulatory knowledge

Education

Bachelor’s degree in quantitative or analytical field (Finance, Accounting, or Economics)

4+ years of relevant professional experience

Equivalent combination of education and at least 8 years of relevant experience

Tools

Microsoft Office

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.

Pay Range

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